The Direct Visa Card is a personal credit card from Direct Visa Card. The annual fee is None the first year. Each year thereafter, $25 per year. Annual fee is waived for members who conduct a minimum of $1,000.00 in transactions over a 12-month period.. The ongoing APR is 12.25%–18.00% APR after a 0% APR for the first 12 months after card opening on purchases and balance transfers introductory rate for 12 months. Rewards: Smart choices at the pump or the checkout translate into real savings..