Nevada State Bank Reserve
Nevada State 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 Nevada State 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 Nevada State Bank Reserve from Nevada State Bank earns up to 3% effective value on dining in Madeen's catalog snapshot. Its annual fee is $450. New applicants may see: $500 bonus offer or 50,000 bonus points when you spend $5,000 in the first 90 days..
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $450
Best for dining-heavy spend when the $450 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
What does the Nevada State Bank Reserve earn in each category?
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Nevada State Bank Reserve compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee.
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Nevada State Bank Reserve compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 3% Top category |
| Grocery Supermarkets and grocery stores | 2x points | 2% |
| Gas Gas stations and fuel | 2x points | 2% |
| Travel Flights, hotels, transit | 2x points | 2% |
| Other General everyday spend | 2x points | 2% |
Madeen values Nevada State Bank Points 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 Nevada State Bank Reserve?
The Nevada State Bank Reserve fits spenders who put meaningful volume in dining and can earn 3x points. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Nevada State Bank Reserve fits spenders who put meaningful volume in dining and can earn 3x points. Madeen ranks its dining effective rate higher than about 81% 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 3x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $450 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 3% effective (3x points).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $450 annual fee requires enough spend in bonus categories to offset.
- Nevada State Bank Points value depends on how you redeem, not straight cash back.
What is the Nevada State Bank Reserve welcome bonus?
In Madeen's catalog snapshot, the Nevada State Bank Reserve welcome offer is $500 bonus offer or 50,000 bonus points when you spend $5,000 in the first 90 days.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 50k Nevada State Bank Points (~$500 estimated)
- Terms (catalog snapshot)
- $500 bonus offer or 50,000 bonus points when you spend $5,000 in the first 90 days.
- Minimum spend
- $5,000
- Window
- 90Days
Does the Nevada State Bank Reserve have an annual fee?
The Nevada State Bank Reserve has an annual fee of $450 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $450
- Foreign transaction fee
- None
What travel perks does the Nevada State Bank Reserve include?
The Nevada State Bank Reserve includes Lounge access, Annual Travel Credit, Auto Rental Collision Damage Waiver, Booking.com in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Lounge access
Complimentary Priority Pass Select Lounge Access.
What benefits come with the Nevada State Bank Reserve?
Cell Phone Protection
$7,200/yrmay provide reimbursement for your stolen or damaged cell phone when you pay your wireless phone bill with your card.
Lost Luggage Assistance
$3,000/yrWhen you use your covered Card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection up to $3,000 per trip ($2,000 maximum if resident of New York). This coverage applies to travel by air, ferry, cruise ship, train, or bus.
Travel Accident Insurance
$3,000/yrWhen you purchase an airline ticket with your Card, you can receive $500,000 of accidental death and dismemberment coverage. But this coverage doesn’t just apply to air travel, it can also be in place when you’ve used your covered Agility Cash Card to purchase a ticket for other means of travel like a ferry, cruise ship, train, or bus.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Annual Travel Credit
$250/yr$250 travel credit every year.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Visa Signature® Hotel Privileges
$25/yrThe Visa Signature Luxury Hotel Collection gives you access to a premium collection of benefits from over 900 of the world’s finest hotels, including brands like The Peninsula Hotels, Park Hyatt and Shangri-La.5 Enjoy an unparalleled experience with special amenities, discounts, room upgrades upon arrival and 3 p.m. checkout (when available)—plus, a $25 food or beverage credit and more.
Auto Rental Collision Damage Waiver
$10/yrCar Rental Collision Damage Waiver may protect you if your rental car is damaged from an accident or theft.
Related encyclopedia topics
Common questions about the Nevada State Bank Reserve
Where do cardholders spend most with the Nevada State Bank Reserve?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (3x), fast food (3x), other food and drink (3x) for the Nevada State Bank Reserve. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Nevada State Bank Reserve have an annual fee?
The Nevada State Bank Reserve carries an annual fee of $450 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 Nevada State Bank Reserve?
Dining is the strongest Madeen category for the Nevada State Bank Reserve at about 3% 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 Nevada State Bank Reserve charge foreign transaction fees?
The Nevada State Bank Reserve 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.
What is the Nevada State Bank Reserve welcome bonus?
The Nevada State Bank Reserve welcome offer in our snapshot: $500 bonus offer or 50,000 bonus points when you spend $5,000 in the first 90 days.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Nevada State Bank Reserve annual fee worth it?
Whether the $450 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.
How does the Nevada State Bank Reserve compare to similar cards?
Compare the Nevada State Bank Reserve against Nevada State Bank Elite (3% on Dining, $195 fee); Nevada State Bank Vivid Rewards (3% on Dining, $0 fee); Nevada State Bank Agility Cash (1.5% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Nevada State Bank Reserve This card | Dining | 3% | $450 |
Nevada State Bank | Dining | 3% | $195 |
Nevada State Bank | Dining | 3% | $0 |
Nevada State Bank | Dining | 1.5% | $0 |
Nevada State Bank | Dining | 1.5% | $95 |
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Nevada State 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 Nevada State 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