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 when the account is opened (terms accurate as of 10/2026). Signup bonus: $500 bonus (50,000 points) after $4,500 in eligible purchases within the first 90 days. Rewards: 2 points per dollar on eligible net purchases; 6 points per dollar on prepaid airfare, car rental and hotel reservations booked directly in the Travel Center.