The Visa® Zero+ Card is a personal credit card from Visa® Zero+ Card. Application typically pulls a hard report from Experian. The annual fee is $15. The ongoing APR is null after a lowest introductory rate introductory rate for 12 months. Approval typically requires a credit score of null or higher. Signup bonus: null. Rewards: 4% cash back on prepaid travel. Cash back: $15 annual statement credit after 11 months.