TCF Bank Reserve Rewards+ Card
VisaIssued by Elan Financial Services
Earn 6X points on travel booked in the Rewards Center and unlimited 2X points on all other purchases, plus premium travel and lifestyle credits.
ANNUAL FEE
$390.00
PURCHASE APR
17.99% – 27.99%
Rate based on creditworthiness and prime rate.
SIGN-UP BONUS
50000
Earn 50,000 bonus points after you spend $4,500 on eligible purchases within the first 90 days of account opening.
TOP POINTS
6X Points
Earn 6X points (2 base points and 4 bonus points) per dollar spent on prepaid airfare, car rental, and hotel reservations booked directly in the Rewards Center.
Key Benefits
- Earn 6X points on prepaid travel booked in the Rewards Center
- Earn 2X points on all other eligible purchases with no caps
- Up to $240 in annual statement credits ($20 per month) for lifestyle categories
- $100 annual travel credit for travel booked through the Rewards Center
- Complimentary Priority Pass Select membership with 8 free airport lounge visits
- Up to $100 credit for Global Entry or TSA PreCheck application fee
- No foreign transaction fees
Important Limitations
- Carrying a month-to-month balance due to standard APRs
- Those looking for a no-annual-fee card
Rewards Structure
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| Rewards Center Travel | 6X Points | Unlimited (no annual cap) | Earn 6X points (2 base points and 4 bonus points) per dollar spent on prepaid airfare, car rental, and hotel reservations booked directly in the Rewards Center. |
| All | 2X Points | Unlimited (no annual cap) | Earn 2X points per dollar spent on all other eligible net purchases. |
Fees & APR
ANNUAL FEE
$390.00
REGULAR PURCHASE APR
17.99% – 27.99%
CASH ADVANCE APR
31.24% – 31.24%
FOREIGN TRANSACTION FEE
0%
LATE PAYMENT FEE
$41
BALANCE TRANSFER FEE
$5 OR 3%
CASH ADVANCE FEE
$10 OR 5%
Card Protection & Benefits
$100 Annual Travel Credit
- ✓Receive up to $100 in statement credits per 12-month period for travel purchases made in the Rewards Center.
- ✓Must book travel directly in the Rewards Center using your card
Up to $240 Annual Lifestyle Credits
- ✓Receive up to $20 per month (max $5 per category) in statement credits for purchases in Sports & Fitness, Personal Care, Entertainment & Streaming, and Dining.
- ✓A single purchase transaction of at least $5 per month in the category is required
Security Features
- ✓Zero Fraud Liability – Elan Financial Services provides zero fraud liability for unauthorized transactions.
Best Use Cases
IDEAL FOR
- Frequent travelers seeking lounge access and Global Entry credits
- Cardholders who can maximize the $240 lifestyle credits across dining, streaming, and fitness
- Maximizing rewards points on prepaid travel bookings
NOT RECOMMENDED FOR
- Carrying a month-to-month balance due to standard APRs
- Those looking for a no-annual-fee card
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 Rewards Center Travel
- 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 25, 2026
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