The Visa® Real Rewards Card is a personal credit card from Visa® Real Rewards Card. Application typically pulls a hard report from Experian. Rewards: 1.5 points monthly for every $1 spent on eligible purchases (equal to 1.5% cash back). Cash back: 2,500 bonus rewards points awarded after first purchase. Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus..