Fulton Bank Visa® Reserve Rewards+ Card
VisaIssued by Elan Financial Services
6X points on travel booked in the Rewards Center, 2X points on all other purchases.
ANNUAL FEE
$400.00
PURCHASE APR
21.24% – 29.24%
Rate based on creditworthiness and prime rate.
SIGN-UP BONUS
50000
Earn 50,000 bonus points (worth up to $500) when you spend $4,500 within the first 90 days.
TOP POINTS
6x points
Earn 6X points on prepaid travel booked directly in the Rewards Center.
Key Benefits
- No caps on the number of points you can earn
- Metal card construction
- Complimentary Priority Pass Select membership
- TSA PreCheck or Global Entry statement credit
- Prepaid travel booked in the Rewards Center earns 6X points
Important Limitations
- Small monthly spend that doesn't offset the annual fee
- Purchases where a simple cashback card would provide better net value
Rewards Structure
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| Prepaid Travel Center Purchases | 6x points | Unlimited (no annual cap) | Earn 6X points on prepaid travel booked directly in the Rewards Center. |
| All | 2x points | Unlimited (no annual cap) | Earn 2X points on all other eligible purchases. |
Fees & APR
ANNUAL FEE
$400.00
REGULAR PURCHASE APR
21.24% – 29.24%
CASH ADVANCE APR
31.24% – 31.24%
FOREIGN TRANSACTION FEE
0%
LATE PAYMENT FEE
$40
BALANCE TRANSFER FEE
$5 OR 3%
CASH ADVANCE FEE
$10 OR 5%
Card Protection & Benefits
Priority Pass Select Membership
- ✓Complimentary membership that gives access to more than 1,700 VIP lounges and experiences worldwide.
- ✓Must enroll in the Priority Pass program
- ✓Account must be in good standing
Annual Travel Credit
- ✓$100 annual statement credit for travel booked directly in the Rewards Center using your card.
- ✓Must book travel through the Rewards Center
- ✓Account must be in good standing
Security Features
- ✓Visa Zero Liability – Protection against unauthorized transactions.
Best Use Cases
IDEAL FOR
- High spenders seeking premium travel perks
- Luxury travelers using the Priority Pass network
- Booking travel through the bank's rewards center
NOT RECOMMENDED FOR
- Small monthly spend that doesn't offset the annual fee
- Purchases where a simple cashback card would provide better net value
Maximize Your Rewards Strategy
Months 1–3: Hit the Bonus
- Spend $4,500.00 to unlock $50,000.00 bonus
- Effective 1111% return on first $4,500.00
- Time large purchases strategically
- Track progress toward spending goal
- Don't overspend just for the bonus
Earn More Points
- 6x points on Prepaid Travel Center Purchases
- 2x points on All
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem points at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-800-558-3424
Last updated: Feb 27, 2026
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