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 $0 introductory annual fee for the first 12 months. After that, $95 for account owners and $0 for authorized employees.. The ongoing APR is 19.99% to 26.99% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. after a 0% introductory APR for the first 6 billing cycles. introductory rate for 6 months. Signup bonus: 20,000 bonus rewards points (equal up to $200) rewarded when you spend $500 within the first 90 days of account opening. Rewards: 2X points per $1 spent in your top two spend categories each month – automatically.