Points · Visa · $99 annual fee
Last verified 2026-09-09. Review issuer source
Bank Five Nine Visa Travel Rewards+ is a $99-a-year points card from Bank Five Nine. Its best everyday rates are 4x on entertainment, 4x on fitness clubs, and 4x on gas stations; everything else earns 1.5x. Rewards are Elan Rewards points that only spend inside that program, so we value them at about 0.67¢ each.
On our reference budget of $24,600 a year it earns $356, which clears the $99 fee with $257 to spare before any credits or perks. The welcome bonus, 25,000 points after $2,000 in 120 days, adds to the first year's return. The annual fee is waived the first year.
Get it if you already fly or stay with Elan Rewards often enough to use the lounge access. A general travel card earns points that go more places.
4x unlimited points on travel, gas stations, electric vehicle charging stations, entertainment, and recreation purchases
4x unlimited points on travel, gas stations, electric vehicle charging stations, entertainment, and recreation purchases
4x unlimited points on travel, gas stations, electric vehicle charging stations, entertainment, and recreation purchases
4x unlimited points on travel, gas stations, electric vehicle charging stations, entertainment, and recreation purchases
4x unlimited points on travel, gas stations, electric vehicle charging stations, entertainment, and recreation purchases
Earn $250 bonus reward (25,000 points) after you spend $2000 within first 120 days of account opening.
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Complimentary Priority Pass™ Select membership with access to more than 1,300 VIP lounges worldwide.
These come from Visa, not from Bank Five Nine. Every card on the Visa Signature tier carries them, so they should not decide between two cards.
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.
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Eligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
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Get assistance with travel planning, entertainment tickets and more.
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Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
Complimentary Priority Pass™ Select membership with access to more than 1,300 VIP lounges worldwide.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Bank Five Nine Visa® Travel Rewards+This card · 4x on entertainment | $99 | $356 | +$257 | 557th of 1,291 |
| Bank Five Nine Visa® Max Cash PreferredBank Five Nine's most-held other card · 5% on cable TV | None | $552 | +$552 | 39th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
