The Platinum Edition Visa® is a personal credit card from Platinum Edition Visa®. Application typically pulls a hard report from Experian. The annual fee is $0 annual fee.. The ongoing APR is 13.74% 23.74% variable APR after a 0% Intro APR for 12 months on purchases and balance transfers. introductory rate for 12 months. Approval typically requires a credit score of null or higher. Signup bonus: null. Rewards: null. Cash back: null.