Spectra Credit Union Visa® Reserve Rewards+ Card
Spectra Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Spectra Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Spectra Credit Union Visa® Reserve Rewards+ Card from Spectra Credit Union earns up to 2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $390. New applicants may see: Earn $500 bonus reward (50,000 points) after you spend $4,500 within first 90 days of account opening..
- 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 2x 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 Spectra Credit Union Visa Reserve Rewards+ Card earn in each category?
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). 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 Spectra Credit Union Visa Reserve Rewards+ Card compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). 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 Spectra Credit Union Visa Reserve Rewards+ Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 2% 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 Elan Rewards 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 Spectra Credit Union Visa Reserve Rewards+ Card?
The Spectra Credit Union Visa Reserve Rewards+ Card fits spenders who put meaningful volume in dining and can earn 2x points. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Spectra Credit Union Visa Reserve Rewards+ Card fits spenders who put meaningful volume in dining and can earn 2x points. 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 2x points. The welcome bonus can help if you can meet the spend requirement. 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 (2x points).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $390 annual fee requires enough spend in bonus categories to offset.
- Elan Rewards value depends on how you redeem, not straight cash back.
What is the Spectra Credit Union Visa Reserve Rewards+ Card welcome bonus?
In Madeen's catalog snapshot, the Spectra Credit Union Visa Reserve Rewards+ Card welcome offer is Earn $500 bonus reward (50,000 points) after you spend $4,500 within first 90 days of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 50k Elan Rewards (~$500 estimated)
- Terms (catalog snapshot)
- Earn $500 bonus reward (50,000 points) after you spend $4,500 within first 90 days of account opening.
- Minimum spend
- $4,500
- Window
- 90Days
Does the Spectra Credit Union Visa Reserve Rewards+ Card have an annual fee?
The Spectra Credit Union 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 Spectra Credit Union Visa Reserve Rewards+ Card include?
The Spectra Credit Union Visa Reserve Rewards+ Card includes Trusted traveler credit, Lounge access, Auto Rental Collision Damage Waiver, Booking.com 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 Spectra Credit Union Visa Reserve Rewards+ Card?
Extended Warranty Protection
$10,000/yrWhen you use your covered Visa card for your eligible purchases Extended Warranty Protection will extend the term of your eligible manufacturer’s U.S. warranty by 1 additional year on eligible warranties of 3 years or less; for a manufacturer’s warranty of 3 months, the term is extended an additional 12 months for a combined total of 15 months of coverage; for warranties of one year or more an additional year of coverage is provided.
Lost Luggage Reimbursement
$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 by the airline or common carrier.
Travel Accident Insurance
$3,000/yrAdd peace of mind to your itinerary. Purchase your airline ticket with your covered Visa card and you can enjoy Travel Accident Insurance.
Return Protection
$1,000/yrWhen you use your covered Visa card to make an eligible purchase, you can get return protection if you are dissatisfied with your item within 90 days of purchase and the merchant will not accept the return.
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.
Trip Delay Reimbursement
$500/yrAnticipate delays when you purchase air travel with your covered Visa card. With Trip Delay coverage, you can receive up to $500.00 when you’re stuck for more than 6 hours due to a covered hazard such as equipment failure, inclement weather, strike and hijacking/skyjacking.
Statement Credits
$240/yrUp to $240 in statement credits for categories like sports and fitness, personal care, entertainment, streaming services and dining/restaurants.
Visa Infinite Concierge Services
$150/yrEnjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.
Trusted Traveler Credit
$120/yrTSA PreCheck® or Global Entry® credit.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Infinite card to pay the application fee (currently $120) to receive a $120 statement 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.
Related encyclopedia topics
Common questions about the Spectra Credit Union Visa Reserve Rewards+ Card
Does the Spectra Credit Union Visa Reserve Rewards+ Card have an annual fee?
The Spectra Credit Union 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 Spectra Credit Union Visa Reserve Rewards+ Card?
Dining is the strongest Madeen category for the Spectra Credit Union 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 Spectra Credit Union Visa Reserve Rewards+ Card charge foreign transaction fees?
The Spectra Credit Union 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.
What is the Spectra Credit Union Visa Reserve Rewards+ Card welcome bonus?
The Spectra Credit Union Visa Reserve Rewards+ Card welcome offer in our snapshot: Earn $500 bonus reward (50,000 points) after you spend $4,500 within first 90 days of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Spectra Credit Union 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 Spectra Credit Union Visa Reserve Rewards+ Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Spectra Credit Union Visa Reserve Rewards+ Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Spectra Credit Union Visa Reserve Rewards+ Card compare to similar cards?
Compare the Spectra Credit Union Visa Reserve Rewards+ Card against Spectra Credit Union Visa Everyday Rewards+ (4% on Dining, $0 fee); Spectra Credit Union Visa Business Cash Preferred (3% on Dining, $0 fee); Spectra Credit Union Visa Business Real Rewards (1.5% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Spectra Credit Union Visa Reserve Rewards+ Card This card | Dining | 2% | $390 |
Spectra Credit Union | Dining | 4% | $0 |
Spectra Credit Union | Dining | 3% | $0 |
Spectra Credit Union | Dining | 1.5% | $0 |
Spectra Credit Union | Dining | 1.5% | $0 |
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Spectra Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Spectra Credit Union. 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