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. Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus..