Reserve Credit Card

Name: Reserve Credit Card
Brand: Zions Bancorporation, N.A.
Price: 404.32 USD
Availability: InStock

A $450-annual-fee cashback-and-points card from Zions Bancorporation, N.A., with airport lounge access and a $500 signup bonus.

Cash or points

Zions Bancorporation, N.A. · VISA

Annual fee: $450
Purchase APR: 17.74–27.74%variable
Signup bonus: $500
Foreign transaction: None

Your NAV

Try your own numbers

Spending

Monthly spend$2,500

Enter what you spend per category each month. Anything left blank counts as $0.

GroceryDiningGasTravelEverything else

Lounge value / yrWhat airport lounge access is worth to you per year. Zero if you rarely fly. Rough anchors: • Never flies or never uses lounges: $0 • 1–3 visits/yr (occasional traveler): $100–$200 • 5–10 visits/yr (regular leisure + business): $300–$500 • 15+ visits/yr (frequent business traveler): $750–$1,500 • 25+ visits/yr (road warrior): $1,500+ A Priority Pass day pass costs $35–$50; premium third-party lounges run $50–$75. Pick a number that reflects what you'd actually pay if you had to buy each visit.$0 (not counted)

Revolving balance$0

Spending we calculated on

Monthly$2,500

Annual$30,000

What this card would give you

Cashback	$604
Statement credits	$250
Subtotal	$854

You'd earn $854 in value over the year.

What it would cost you

Annual fee	$450
Subtotal	$450

You'd pay $450 to hold the card.

Year 1 value$904

Ongoing / yr$404

Year 1 includes the $500 signup bonus.

Net Annual Value$404

Net: an estimated $404 ahead over the year at your profile.

Earn Rules

Travel	3.00%
All Other	2.00%

Statement Credits

Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.

$250 annual travel credit to use toward Global Entry/TSA PreCheck, baggage fees and more.yearSource ↗

$250/yr

Total credits / year we count

$250

The total counts each credit at face value, and only the ones reachable at this spending level.

Signup Bonus

$500 introductory bonus or 50,000 bonus points when you spend $5,000 in the first 90 days.

Value: $500 · Spend $5,000 in 3 months

This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.

Who This Card Makes Sense For

People who reliably pay their balance in full each month. The 27.74% APR would wipe out the card's other benefits within a single billing cycle of revolving.
Travelers who will actually use the lounge access. Set what a visit is worth to you in the calculator above. It is counted as $0 until you do, so the $450 fee currently has to be covered by everything else.

Where This Came From

Annual fee“Annual Fee $450”
Source ↗
APR range“17.74% – 27.74%”
Source ↗
Intro APR“0%”
Source ↗

Wondering if this card pays off for your situation? Is the Reserve Credit Card worth it? →

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