SmartBank Mastercard® Reserve Rewards+ Card
The SmartBank Mastercard® Reserve Rewards+ Card from SmartBank 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.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $390
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the SmartBank Mastercard 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 29% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 29% of the 1,547 cards we track in that category.
| 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 SmartBank Mastercard Reserve Rewards+ Card?
The SmartBank Mastercard 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.
SmartBank Mastercard 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 29% 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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.
Does the SmartBank Mastercard Reserve Rewards+ Card have an annual fee, and what's the welcome bonus?
The SmartBank Mastercard Reserve Rewards+ Card has an annual fee of $390 and a foreign transaction fee of None. New applicants may see: Earn $500 bonus reward (50,000 points) after you spend $4,500 within first 90 days of account opening.. Confirm current issuer terms before applying.
- Annual fee
- $390
- Foreign transaction fee
- None
- Signup bonus
- Earn $500 bonus reward (50,000 points) after you spend $4,500 within first 90 days of account opening.
What travel perks does the SmartBank Mastercard Reserve Rewards+ Card include?
The SmartBank Mastercard Reserve Rewards+ Card includes Trusted traveler credit, Lounge access, Global emergency services, HealthLock and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Trusted traveler creditTSA PreCheck® or Global Entry® credit.
- Lounge accessComplimentary Priority Pass™ Select membership with access to more than 1,300 VIP lounges worldwide.
What benefits come with the SmartBank Mastercard Reserve Rewards+ Card?
- Global emergency servicesIncluded with World Elite Mastercard®
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- HealthLockIncluded with World Elite Mastercard®
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
- ID Navigator Powered by NortonLifeLock
Provides tools so you can act quickly if your identity is threatened.
- InstacartIncluded with World Elite Mastercard®
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
- Lounge Access
Complimentary Priority Pass™ Select membership with access to more than 1,300 VIP lounges worldwide.
- LyftIncluded with World Elite Mastercard®
More rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
- Mastercard GolfIncluded with World Elite Mastercard®
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
- Mastercard ID Theft ProtectionIncluded with World Elite Mastercard®
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Common questions about the SmartBank Mastercard Reserve Rewards+ Card
Does the SmartBank Mastercard Reserve Rewards+ Card have an annual fee?
The SmartBank Mastercard 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the SmartBank Mastercard Reserve Rewards+ Card?
Dining is the strongest Madeen category for the SmartBank Mastercard 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the SmartBank Mastercard Reserve Rewards+ Card charge foreign transaction fees?
The SmartBank Mastercard 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the SmartBank Mastercard Reserve Rewards+ Card welcome bonus?
The SmartBank Mastercard 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 SmartBank Mastercard 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. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the SmartBank Mastercard Reserve Rewards+ Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the SmartBank Mastercard Reserve Rewards+ Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the SmartBank Mastercard Reserve Rewards+ Card compare to similar cards?
Compare the SmartBank Mastercard Reserve Rewards+ Card against SmartBank Mastercard Everyday Rewards+ (4% on Dining, $0 fee); SmartBank Mastercard Business Cash Preferred (3% on Dining, $0 fee); SmartBank Mastercard Max Cash Preferred (5% on Other, $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 |
|---|---|---|---|
SmartBank Mastercard Reserve Rewards+ Card This card | Dining | 2% | $390 |
| Dining | 4% | $0 | |
| Dining | 3% | $0 | |
| Other | 5% | $0 |
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