The TRAVEL REWARDS+ is a personal credit card from TRAVEL REWARDS+. The annual fee is $0 introductory annual fee for the first 12 months. After that, $99. The ongoing APR is 17.99% to 27.99%. Signup bonus: Earn 25,000 points (worth up to $250) when you spend $2,000 within the first 120 days. Rewards: Earn 4X points on eligible travel and more.