The Visa College Real Rewards is a personal credit card from Visa College Real Rewards. Application typically pulls a hard report from Experian. The annual fee is null. The ongoing APR is 19.24% to 28.24% after a 0% introductory rate for 6 months. Signup bonus: 2,500 bonus rewards points awarded after first purchase, redeemable for $25 cash back, merchandise, gift cards, or travel savings. Rewards: Earn 1.5 points for every dollar you spend on eligible purchases.