Points · Mastercard · $390 annual fee
Last verified 2026-09-09. Review issuer source
Capital Credit Union Mastercard Reserve Rewards+ Card is a $390-a-year points card from Capital Credit Union. It earns 2x on every purchase with no categories to track, plus 6x on travel booked through Elan Rewards. Rewards are Elan Rewards points that only spend inside that program, so we value them at about 0.5¢ each.
On our reference budget of $24,600 a year its rewards come to $306, $84 short of the annual fee. That is normal at this price; the card only works if the perks replace spending you already do, or your bonus-category spending is far above a typical household's. The welcome bonus, 50,000 points after $4,500 in 90 days, is the strongest reason to open it in a given 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.
6x on prepaid travel booked directly in the Rewards Center when you use your card
Earn $500 bonus reward (50,000 points) after you spend $4,500 within first 90 days of account opening.
Provides tools so you can act quickly if your identity is threatened.
Complimentary Priority Pass™ Select membership with access to more than 1,300 VIP lounges worldwide.
Up to $240 in statement credits for categories like sports and fitness, personal care, entertainment, streaming services and dining/restaurants.
$100 travel credit when you book through the Rewards Center.
TSA PreCheck® or Global Entry® credit.
$60 Priority Wine Pass credits.
These come from Mastercard, not from Capital Credit Union. Every card on the World Elite Mastercard tier carries them, so they should not decide between two cards.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
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.
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.
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard gives you exclusive access to premium preferred seats and ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Browse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Get $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2027.
Enjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Complimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
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 |
|---|---|---|---|---|
| Capital Credit Union Mastercard® Reserve Rewards+ CardThis card · 2x on everything | $390 | $306 | −$84 | Not ranked |
| 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. This card is not in the ranking because its issuer limits who can apply. Run it with your own spending.
