The Personal Platinum Visa Card is a personal credit card from Personal Platinum Visa Card. The annual fee is null. The ongoing APR is Wall Street Prime Rate + 10.00% after a 0% APR* introductory rate for 7 months. Approval typically requires a credit score of null or higher. Signup bonus: null. Rewards: null. Cash back: 1% cash back on all qualifying purchases – no spending tiers or minimums.