Reserve Rewards+ Card — R Bank is a personal credit card from R 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. 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 use your card 10 2X points On all other eligible purchases.