The Banesco USA is a personal credit card from Banesco USA. The annual fee is Cash Back Rewards: $35 annual fee ($0 fee is the separate plain 'Platinum' card at 17.50%). The ongoing APR is 15.50% after a 0% APR* introductory rate for 7 months. Rewards: Unlimited 1% cash back on qualified purchases. Cash back: 1% cash back on qualified purchases. Typical credit limit: $5,000 and above.