The Visa Max Cash Secured is a personal credit card from Visa Max Cash Secured. Application typically pulls a hard report from Experian. The annual fee is null. Signup bonus: $150 cash back after you spend $500 in the first 90 days. Rewards: 5% cash back on first $2,000 of combined quarterly purchases in two categories, 2% unlimited cash back on choice of one everyday category, 1% unlimited cash back on all other 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..