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. Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus..