The Personal Platinum Visa© Card is a personal credit card from Personal Platinum Visa© Card. The annual fee is null. The ongoing APR is variable APR based on the New York Prime Rate after a 0% intro APR on purchases and balance transfers introductory rate for 7 months. Approval typically requires a credit score of null or higher. Signup bonus: null. Rewards: 1% cash back. Cash back: cash back is earned on all purchases.