VISA® RESERVE REWARDS+ CREDIT CARD

The Elan Rewards Program is subject to change. Rewards are earned on eligible Net Purchases. Net Purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Account must be open and in good standing (not past due or overlimit) to earn and redeem rewards and benefits. Subject to applicable law, you may not redeem rewards, and you will immediately lose all of your rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Rewards expire 5 years from when they are earned, refer to your Program Rules for full details. (1288)

Reserve Rewards+ Card: You will earn 2 Points per dollar spent on eligible Net Purchases charged to your Account during each billing cycle. In addition, you will earn 6 Points (2 base Points and 4 bonus Points) per dollar spent on eligible Net Purchases for prepaid airfare, car rental, and hotel reservations booked directly in the Rewards Center using your rewards credit card instead of Points. Each merchant’s business is identified by a category code established by Visa and Mastercard. A Purchase will not earn additional Rewards if the category code applied to a merchant is in a category that is not eligible for additional Rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which purchases qualify for additional rewards. Points expire 5 years from when they are earned, refer to your Program Rules for full details. (1441)

In order to qualify for the travel credit, you must make travel purchases in the Rewards Center using your Reserve Rewards+ Card. 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. The account must be in good standing (not past due or overlimit) to qualify for annual credits. The 12-month period begins on the account opening date and restarts annually thereafter. We reserve the right to adjust or reverse any portion or all of any purchase for unauthorized purchases or transaction credits. You are not eligible for this annual credit if you change cards. (1443)

Automatic statement credit(s) of up to $20 per month (up to $240 annually) will be applied to your account within 2 statement billing cycles after purchases are made in the following four eligible categories. Categories qualify individually at a rate of $5 per category per month. Purchase categories include: (1) Eligible Sports and Fitness purchases, such as sporting goods stores, golf courses, annual/monthly workout subscriptions, and fitness centers. (2) Eligible Personal Care purchases, such as salons, barbers, spas, drug stores, and most merchants classified as pharmacies. (3) 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®. (4) Eligible Dining purchases, such as restaurants, restaurant delivery, fast food restaurants, and bars. A single purchase transaction of at least $5 per month at eligible merchant(s) must be made to receive the credit in each category. The account must be in good standing (not past due or overlimit) to qualify for any annual credits. The 12-month period begins on the account opening date and restarts annually thereafter. Purchases qualify based on how a merchant’s business is classified. A Purchase will not qualify for the annual credit if the merchant’s selected code is in a category that does not qualify. We do not determine the category codes that merchants choose and we reserve the right to determine which purchases qualify. We reserve the right to adjust or reverse any portion or all of any purchase for unauthorized purchases or transaction credits. You are not eligible for this annual credit if you change cards. (1444)

Certain terms, conditions and exclusions apply. Number of lounges and experiences is subject to change. Cardholders must enroll to receive a 12-month Priority Pass Select membership to access, with their accompanying guests, airport VIP lounges worldwide that participate in the Priority Pass Select program. Enrollment with no membership fee is limited to one account cardholder (including authorized users). Please view the Guide to Benefits (Reserve Rewards+: mycardgtb.com/reserverewardsvs; Travel Rewards+: mycardgtb.com/travelrewardsvs) for further card benefit details including full terms and conditions. (1440)

In order to qualify for the Priority Wine Pass credit, you must purchase a 1-year membership with your Reserve Rewards+ Card. 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. To purchase a membership or for membership questions, refer to https://prioritywinepass.com. The account must be in good standing (not past due or overlimit) to qualify for annual credits. The 12-month period begins on the account opening date and restarts annually thereafter. We reserve the right to adjust or reverse any portion or all of any purchase for unauthorized purchases or transaction credits. You are not eligible for this annual credit if you change cards. (1445)

Certain terms, conditions and exclusions apply. You must complete either the Global Entry® and/or TSA PreCheck® application(s) and pay the application fee(s) with your Reserve Rewards+ Card. For complete details on the TSA PreCheck® program, including full terms and conditions, go to https://www.tsa.gov/precheck. The TSA PreCheck® trademark is used with the permission of the U.S. Department of Homeland Security. Please see here for further details and full terms and conditions. (1446)

If you’re approved for a new Reserve Rewards+ Card, a one-time 50,000 bonus points will be awarded after eligible Net Purchases totaling $4,500 or more are made to your account within 90 days from account opening. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement. (1442)

Elan Financial Services provides Zero Fraud Liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. (1286)

No one can prevent all identity theft. (1334)