Reserve Rewards+ Card — Elan Financial Services

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. Signup bonus: 50,000 points after $4,500 in purchases within 90 days. Rewards: 6X points on prepaid travel booked in the Rewards Center; 2X on other purchases.

Other 21st Century Bank cards & products

• Business Cash Preferred Card — Business Credit Card
• Business Zero+ Card — Business Credit Card
• Zero+ Card — Personal Credit Card
• Unlimited Cash Card — Personal Credit Card
• Travel Rewards+ Card — Personal Credit Card
• Everyday Rewards+ Card — Personal Credit Card
• Business Real Rewards Card — Business Credit Card
• College Real Rewards Card — Personal Credit Card

Sources & citations

• Rewards, Annual fee, APR, Sign-up bonus: https://www.mycardapply.com/synindex?ecdma-lc=29942&ecid=OTHE_25940&offertype=0 (checked 2026-10-23)
• Credit bureau: https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/What-point-drop-should-I-expect-from-2-new-revolving-accounts/m-p/6871290#M208725 (checked 2026-10-20)
• Credit bureau by state: https://www.doctorofcredit.com/fidelity-visa-2-back-card-150-sign-up-bonus-publicly-available/#comment-2135809 (checked 2026-10-20)