Visa Infinite® Reserve Rewards+ Card
A $390-annual-fee points card from Columbia Bank, with a $500 signup bonus.
Columbia Bank · VISA
- Annual fee
- $390
- Purchase APR
- 18.99–27.99%variable
- Signup bonus
- $500
- Foreign transaction
- None
Earn Rules
| Travel | 6.00%booked directly in the Travel Center |
| All Other | 2.00% |
Statement Credits
Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.
| Credit(s) matching the purchase amount(s) of up to $100 per 12-month period will be applied to your account within 2 statement billing cycles after the purchase(s) post to the account.yearSource ↗ | $100/yr |
| A credit of $60 per 12-month period will be applied to your account within 2 statement billing cycles after the purchase posts to the account.yearSource ↗ | $60/yr |
| Automatic statement credit(s) of up to $5 per month for Eligible Sports and Fitness purchases, such as sporting goods stores, golf courses, annual/monthly workout subscriptions, and fitness centers.monthlySource ↗ | $60/yr |
| Automatic statement credit(s) of up to $5 per month for Eligible Personal Care purchases, such as salons, barbers, spas, drug stores, and most merchants classified as pharmacies.monthlySource ↗ | $60/yr |
+ Show 2 more credits
| Automatic statement credit(s) of up to $5 per month for Eligible Entertainment and Streaming purchases, such as Netflix, Hulu, Apple Music, and tickets to movies, sporting events, and concerts purchased directly through the venue or from qualifying ticket sellers such as Ticketmaster® and StubHub®.monthlySource ↗ | $60/yr |
| Automatic statement credit(s) of up to $5 per month for Eligible Dining purchases, such as restaurants, restaurant delivery, fast food restaurants, and bars.monthlySource ↗ | $60/yr |
| Total credits / year we count | $400 |
Why this differs from the issuer's headline number. Card marketing sums every credit at full value and assumes you use all of them. We count each credit at face value too, but only the ones shown above. A credit you won't use is worth $0 to you, so the honest number for most people is lower than the brochure. Decide which ones fit your life; the calculator counts what you tell it to.
Signup Bonus
Earn 50,000 bonus points (worth up to $500) When you spend $4,500 within the first 90 days
Value: $500 · Spend $4,500 in 3 months
This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.
Who This Card Makes Sense For
- People who reliably pay their balance in full each month. The 27.99% APR would wipe out the card's other benefits within a single billing cycle of revolving.
Wondering if this card pays off for your situation? Is the Visa Infinite® Reserve Rewards+ Card worth it? →
Cards in the Same Fee Tier That Score Higher
A similar annual fee, ranked higher at the default profile.
- Citi Strata Elite℠ Card$1,583 (+$956)
- Hilton Honors American Express Aspire Card$1,448 (+$820)
- American Express® Gold Card$883 (+$256)