Westamerica Bank Visa® Reserve Rewards+ Card

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.

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.

The Westamerica Bank 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.

Westamerica Bank 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 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.

The Westamerica Bank Visa 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.

The Westamerica Bank 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 creditTSA PreCheck® or Global Entry® credit.
• Lounge accessComplimentary Priority Pass™ Select membership with access to more than 1,300 VIP lounges worldwide.

• Auto Rental Collision Damage WaiverIncluded with Visa Infinite®

  When you use your covered Visa card to rent a vehicle, you’ll get built-in Auto Rental Coverage. You can be covered for physical damage, theft, reasonable and customary towing and loss-of-use charges. Decline the Collision Damage Waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract.

• Booking.comIncluded with Visa Infinite®

  Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.

• Dovly Uplift™Included with Visa Infinite®

  Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.

• Extended Warranty ProtectionIncluded with Visa Infinite®

  When 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.

• Global Entry Statement CreditIncluded with Visa Infinite®

  Apply 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.

• Golf Benefits from Troon Rewards®Included with Visa Infinite®

  Your Visa Infinite card entitles you to automatic Platinum Status when you sign up for Troon Rewards®, for 20% saving on golf fees, merchandise and lessons at over 150 golf courses across the United States and world.

• ID Navigator Powered by NortonLifeLock

  Provides tools so you can act quickly if your identity is threatened.

• Lost Luggage ReimbursementIncluded with Visa Infinite®

  When 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.

Compare the Westamerica Bank Visa Reserve Rewards+ Card against Westamerica Bank Visa Everyday Rewards+ (4% on Dining, $0 fee); Westamerica Bank Visa Business Cash Preferred (3% on Dining, $0 fee); Westamerica Bank Visa 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.

• Dining

• Westamerica Bank Visa® Everyday Rewards+Westamerica Bank · 4% on dining
• Westamerica Bank Visa® Business Cash PreferredWestamerica Bank · 3% on dining
• Westamerica Bank Visa® Max Cash PreferredWestamerica Bank · 5% on other

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