The VISA Platinum Advantage Rewards Card is a personal credit card from VISA Platinum Advantage Rewards Card. Application typically pulls a hard report from Experian. The annual fee is no annual fee. The ongoing APR is Rates as low as 12.90% APR after a as low as 8.9% APR introductory rate for 90 months. Rewards: Earn 1 point for every $1 you spend on purchases..