The Platinum Visa ® Card is a personal credit card from Platinum Visa ® Card. Application typically pulls a hard report from Experian. The annual fee is $35. The ongoing APR is Variable, based on the Wall Street Prime Rate (currently 16.75% APR) after a 0% introductory rate for 7 months. Rewards: 1% on all qualifying purchases with no cap. Cash back: 1% on all qualifying purchases with no cap.