The Premium Rewards Credit Card is a personal credit card from Premium Rewards Credit Card. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is 15.24% – 18.00% after a 0% APR introductory rate for 12 months. Approval typically requires a credit score of null or higher. Signup bonus: 20,000 reward points after spending $1,000 on qualifying purchases within 60 days of account opening.. Rewards: uChoose® Rewards — redeem points for travel, gift cards, merchandise, Amazon purchases, and more!. Cash back: null.