The Ent Essential Visa ® Platinum is a personal credit card from Ent Essential Visa ® Platinum. The annual fee is $0. The ongoing APR is 13.49% – 26.49% variable APR after a 0% introductory rate for 9 months. Signup bonus: $150 bonus when you spend $1,000 within the first 90 days of account opening.. Rewards: 1.5% cash back. Cash back: 1.5% cash back.