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Grand Reserve™ World Mastercard® review

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For a $149 annual fee and lackluster rewards, wine lovers may be disappointed.

  • Get this card if you love wine, live near a West Coast wine region and you don’t mind paying a high annual fee.
  • Pick something else if you want a better rewards card with no annual fee.
  • Apply with a good to an excellent credit score of 720 or higher.


Points as welcome offer

Up to 7x



Annual fee

14.99% to 22.99%

Purchase APR (variable)


Product NameGrand Reserve™ World Mastercard®
Annual fee$149
Purchase APR14.99% to 22.99% variable
Balance transfer APRN/A
Foreign transaction feeNone
Interest free periodUp to 23 days
Late payment feeUp to $25
Returned payment feeUp to $37

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

At first glance, the Grand Reserve™ World Mastercard® — serviced through Deserve, Inc. issued by Celtic Bank — sounds promising. After all, you get to earn a generous signup bonus and earn a high rewards rate at wineries. But once you dig deeper, you find that this card greatly disappoints.

For example, each point is worth around 0.6 cents — below the 1 cent most other reward programs offer. Plus, your redemption options are limited to a catalog full of glasses, openers, books, trays and more. You can’t redeem your points for wine, which kind of defeats the purpose of being a “wine card.” Granted, you can redeem points for a two-night weekend getaway, but there are only a few options and they cost more than 200,000 and 400,000 points.

How to apply for the Grand Reserve™ World Mastercard®

The application process is simple. Here’s how it works:

  1. Click Apply now.
  2. Fill out the application form.
  3. Review the application and submit.

What credit score do I need?

Increase your chances of approval with a good credit score of 720 or higher.

What to watch out for

  • Annual fee. You’ll pay a $149 annual fee for the card.
  • Can’t redeem points for wine. Despite being a wine card, you can only redeem your points for wine accessories, such as glasses, coolers, preservers and openers. You can also redeem points for wine-tasting experiences, but these often cost north of 200,000 points for a two-night weekend getaway.
  • No balance transfers or cash advances. You can’t get a cash advance with your card and you can’t use it to make balance transfers.
  • Reports to two credit bureaus. Unlike most credit cards that report to the three major credit bureaus, the Grand Reserve™ World Mastercard® reports to two — TransUnion and Experian.

Grand Reserve™ World Mastercard® benefits

  • Rewards. Earn 5x points at Grand Reserve Partners, 3x points at any winery, wine club, or wine shop and 2x everywhere else. Redeem points only for wine accessories and experiences starting from 750 points. Points are generally worth 0.6 cents each.
  • Signup bonus. Earn 50,000 bonus points after you spend $3,000 in your first 90 days of account opening. For 50,000 points you can get either a 36-Bottle Vino View, which typically costs around $350 or a 28-Bottle VinoView Wine Cellar, which also costs around $350.
  • Specialized benefits. As a cardmember, you get complimentary priority wine pass membership, wine magazine subscription of your choice and access to exclusive Grand Reserve member events. One year wine pass costs $59.99.

Compare rewards credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
$300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
20% at up to $200 back in the first 6 months, plus $100 after spending $1,000 in the same timeframe
20% at up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at up to $200 back in the first 6 months. Rates & fees
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.

Compare up to 4 providers

Bottom line

The Grand Reserve™ World Mastercard® is a niche card aimed at wine lovers. It comes with a high annual fee of $149 and with meager rewards that make this card a less rewarding option than a general rewards credit card like the Chase Freedom Unlimited®.

With the latter, you get to earn a flat 1.5% on all purchases, except some categories where you earn either 3% and 5% back. This beats the rewards earned with the Grand Reserve™ World Mastercard® by far, and it costs $0 annually.

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