The Preferred Cash Back Visa Signature® Credit Card is a personal credit card from Preferred Cash Back Visa Signature® Credit Card. The annual fee is $0. The ongoing APR is 18.00% APR after the intro APR expires after a 0% introductory rate for 12 months. Approval typically requires a credit score of null or higher. Signup bonus: null. Rewards: 1.5% unlimited cash back on all of your purchases.. Cash back: null.