The Ent Lifestyle Visa Signature ® is a personal credit card from Ent Lifestyle Visa Signature ®. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 12.49% – 25.49% variable APR after a 0% introductory rate for 9 months. Signup bonus: Earn 5,000 bonus points with your first transaction, plus an additional 10,000 points when you spend $1,000 within the first 90 days of account opening.. Rewards: Up to 5x points on purchases. Cash back: Up to 5x points on purchases.