The Visa Privateer Platinum is a personal credit card from Visa Privateer Platinum. Application typically pulls a hard report from Experian. The annual fee is Free. The ongoing APR is 9.50% after a 0.00% introductory rate for 12 months. Rewards: ScoreCard Rewards Bonus Points. 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..