Reserve Credit Card

Earn Rules?How much you earn back per dollar in each spending category. Cashback cards show these as percentages (2% back on groceries). Points/miles cards show them as multipliers (3x on dining). The math applies each rule to your spending in that category to compute total rewards for the year.

Statement Credits?Annual dollar credits the card issues automatically or via reimbursement, such as travel credits, Uber Cash, CLEAR, hotel night certificates, and similar. Counted at face value in the math; you decide which ones you'd actually use.

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

Why this differs from the issuer's headline number. Card marketing sums every credit at full value and assumes you use all of them. We count each credit at face value too, but only the ones shown above. A credit you won't use is worth $0 to you, so the honest number for most people is lower than the brochure. Decide which ones fit your life; the calculator counts what you tell it to.

Signup Bonus?A one-time reward for opening the card and meeting a spend requirement. The full bonus counts toward the card's Year 1 value (only when your spend qualifies) and is excluded from its ongoing value.

$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

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

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

Cards in the Same Fee Tier That Score Higher

A similar annual fee, ranked higher at the default profile.

• Citi Strata Elite℠ Card$1,583 (+$1,179)
• Hilton Honors American Express Aspire Card$1,448 (+$1,043)
• American Express® Gold Card$883 (+$479)