The Visa Reserve Rewards+ is a personal credit card from Visa Reserve Rewards+. Application typically pulls a hard report from Experian. The annual fee is $390. Rewards: 6x unlimited points on travel (air, hotel, and car rental) booked directly through the Rewards Center, 2x unlimited points on all other eligible purchases. Cash back: $500 bonus reward (50,000 points) after you spend $4,500 within the first 90 days of account opening.