For people designing lives and careers that move across borders.
$5,000
In annual benefits
Careers are no longer tied to one country, one employer, or one currency. A new generation earns globally.
Creators
Freelancers
Builders
Founders
One membership that turns everyday spending and moving money into something that pays you back.
Cashback
Up to 10% cashback, plus 1% on every other purchase.
Fees
50% off transfers, and 50% off adding money to your account.
Reserve Credits
$600 a year across Pets, Wellness and Learning.
Travel
VIP lounges reimbursed in full, plus travel protection.
Future Fund
Preferred rates for Reserve members: 3.50%, 4.25% and 5.25% APY.
Paycheck Advance
Access part of your pay before payday.
1%
Up to 10% back on the categories you spend most on and 1% on absolutely everything else.
Every purchase on your Reserve card earns, matched automatically to a category.
10%
Travel
Any airline, any hotel, Airbnb and Booking too.
10%
Ride sharing
Uber, taxis, and every way you get around.
5%
Food
Restaurants, delivery, and groceries, all rewarded.
5%
Entertainment
Streaming, gaming, and the AI platforms you use every day.
5%
Fashion
Retail therapy that pays you back.
5%
Technology
Laptops, phones, and the gear you work on.
5%
Beauty
Skincare, salons, and everything after.
Eligibility is determined by the merchant category code (MCC) of each transaction.
Preferred rates on the balance you are not using, with rewards credited monthly.
Future Fund Flex
Move your money anytime.
Standard
3.00% APY
Future Fund +30
Lock for 30 days.
Standard
4.00% APY
Future Fund +90
Lock for 90 days.
Standard
5.00% APY
$100 in credits every six months for each category: Pets, Wellness, and Learning.
$100
Pets
Vet visits, food and care.
$100
Wellness
Gym, therapy and wellbeing.
$100
Learning
Courses, books and tools.
VIP lounges + travel protection
100% reimbursement on eligible lounge charges, up to USD 100 per month, per person. Plus travel protection on your trips.
50% off
Fees
Half off transfers, and half off adding money to your account.
Early
Paycheck Advance
Access part of your pay before payday, straight to your Global Account.
Benefit
Value
Cashback rewards
Up to $2,400
VIP airport lounges
Up to $1,200
Reserve Credits (Pets + Wellness + Learning)
Up to $600
Global transfer discounts
Up to $300
Account funding discounts
Up to $250
Travel protection
$250
Future Fund
Up to 5.25% APY. The more you grow, the more this adds.
Total value
$5,000
$14.9/month
$145/year
34× the value of the membership
But Reserve is more than benefits. It's a financial advantage designed for people earning across borders.
