Reserve Rewards+ Card — Elan Financial Services is a personal credit card from Elan Financial Services. Application typically pulls a hard report from TransUnion. The annual fee is $390. The ongoing APR is 19.24% to 28.24% variable, based on creditworthiness (terms accurate as of 10/2026). Signup bonus: 50,000 bonus points after $4,500 in purchases within the first 90 days. Rewards: 6X points on prepaid travel booked directly in the Travel Center; 2X points on all other eligible purchases.