The Platinum Edition ® Visa ® Card is a personal credit card from Platinum Edition ® Visa ® Card. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is variable APR based on the Prime Rate, between 16.99% and 26.99% APR after a 0% introductory APR on purchases and balance transfers introductory rate for 18 months. Approval typically requires a credit score of null or higher. Signup bonus: null. Rewards: null. Cash back: null.