The Visa College Real Rewards Card is a personal credit card from Visa College Real Rewards Card. Application typically pulls a hard report from Experian. The annual fee is null. The ongoing APR is 19.49% to 29.74% after a 0% introductory APR introductory rate for 6 months. Approval typically requires a credit score of null or higher. Signup bonus: null. Rewards: 1.5 points for every $1 you spend on eligible purchases (equal to 1.5% cash back). Cash back: null. 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..