The Visa Infinite Reserve Rewards+ is a personal credit card from Visa Infinite Reserve Rewards+. Application typically pulls a hard report from Experian. The annual fee is $390. The ongoing APR is 19.74% to 29.74%. Signup bonus: $500 bonus reward (50,000 points) after you spend $4,500 within first 90 days of account opening. Rewards: up to 6 points for every dollar you spend on eligible purchases, 6X unlimited points and $100 annual credit on travel booked through the Rewards Center, 2X unlimited points on all other eligible purchases.