Reserve Rewards+ Card — EverTrust Bank is a personal credit card from EverTrust Bank. The annual fee is $390. The ongoing APR is APR for Purchases and Balance Transfers: 19.24% to 28.24% based on your creditworthiness when you open your account.. Rewards: Enjoy premium rewards and benefits, plus receive 50,000 bonus points Earn 50,000 bonus points (worth up to $500 4 ) When you spend $4,500 within the first 90 days 11 6X points On prepaid travel booked directly in the Rewards Center when you.