Central Valley Community Bank Visa® Reserve Rewards+ Card
Central Valley Community Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Central Valley Community Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Central Valley Community Bank Visa® Reserve Rewards+ Card from Central Valley Community Bank earns up to 2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $390.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $390
Best for dining-heavy spend when the $390 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2% back. Travel perks may add value beyond the earn rate.
What does the Central Valley Community Bank Visa Reserve Rewards+ Card earn in each category?
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Central Valley Community Bank Visa Reserve Rewards+ Card compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Central Valley Community Bank Visa Reserve Rewards+ Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 2% Top category |
| Grocery Supermarkets and grocery stores | 2% back | 2% |
| Gas Gas stations and fuel | 2% back | 2% |
| Travel Flights, hotels, transit | 2% back | 2% |
| Other General everyday spend | 2% back | 2% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Central Valley Community Bank Visa Reserve Rewards+ Card?
The Central Valley Community Bank Visa Reserve Rewards+ Card fits spenders who put meaningful volume in dining and can earn 2% back. Best for spenders who put meaningful volume in dining and can earn 2% back. Travel perks may add value beyond the earn rate.
Central Valley Community Bank Visa Reserve Rewards+ Card fits spenders who put meaningful volume in dining and can earn 2% back. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2% back. Travel perks may add value beyond the earn rate.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $390 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 2% effective (2% back).
- No foreign transaction fee listed.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $390 annual fee requires enough spend in bonus categories to offset.
Does the Central Valley Community Bank Visa Reserve Rewards+ Card have an annual fee?
The Central Valley Community Bank Visa Reserve Rewards+ Card has an annual fee of $390 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $390
- Foreign transaction fee
- None
What travel perks does the Central Valley Community Bank Visa Reserve Rewards+ Card include?
The Central Valley Community Bank Visa Reserve Rewards+ Card includes Trusted traveler credit, Lounge access, ID Navigator Powered by NortonLifeLock, Lounge Access and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
TSA PreCheck® or Global Entry® credit.
Lounge access
Complimentary Priority Pass™ Select membership with access to more than 1,300 VIP lounges worldwide.
What benefits come with the Central Valley Community Bank Visa Reserve Rewards+ Card?
Statement Credit
$240/yrUp to $240 in statement credits for categories like sports and fitness, personal care, entertainment, streaming services and dining/restaurants.
Trusted Traveler Credit
$120/yrTSA PreCheck® or Global Entry® credit.
Travel Credit
$100/yr$100 travel credit when you book through the Rewards Center.
Lounge Access
$99/yrComplimentary Priority Pass™ Select membership with access to more than 1,300 VIP lounges worldwide.
Wine Credit
$60/yr$60 Priority Wine Pass credits.
ID Navigator Powered by NortonLifeLock
$10/yrProvides tools so you can act quickly if your identity is threatened.
Related encyclopedia topics
Common questions about the Central Valley Community Bank Visa Reserve Rewards+ Card
Does the Central Valley Community Bank Visa Reserve Rewards+ Card have an annual fee?
The Central Valley Community Bank Visa Reserve Rewards+ Card carries an annual fee of $390 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Central Valley Community Bank Visa Reserve Rewards+ Card?
Dining is the strongest Madeen category for the Central Valley Community Bank Visa Reserve Rewards+ Card at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Central Valley Community Bank Visa Reserve Rewards+ Card charge foreign transaction fees?
The Central Valley Community Bank Visa Reserve Rewards+ Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
Is the Central Valley Community Bank Visa Reserve Rewards+ Card annual fee worth it?
Whether the $390 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the Central Valley Community Bank Visa Reserve Rewards+ Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Central Valley Community Bank Visa Reserve Rewards+ Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Central Valley Community Bank Visa Reserve Rewards+ Card?
Rewards on the Central Valley Community Bank Visa Reserve Rewards+ Card post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Central Valley Community Bank Visa Reserve Rewards+ Card compare to similar cards?
Compare the Central Valley Community Bank Visa Reserve Rewards+ Card against Central Valley Community Bank Visa Everyday Rewards+ (4% on Dining, $0 fee); Central Valley Community Bank Visa Business Cash Preferred (3% on Dining, $0 fee); Central Valley Community Bank Visa Business Real Rewards (1.5% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Central Valley Community Bank Visa Reserve Rewards+ Card This card | Dining | 2% | $390 |
Central Valley Community Bank | Dining | 4% | $0 |
Central Valley Community Bank | Dining | 3% | $0 |
Central Valley Community Bank | Dining | 1.5% | $0 |
Central Valley Community Bank | Dining | 1.5% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Central Valley Community Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Central Valley Community Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure