Middlesex Savings Bank Visa® Travel Rewards+
Middlesex Savings Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Middlesex Savings Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Middlesex Savings Bank Visa® Travel Rewards+ from Middlesex Savings Bank earns up to 4% effective value on gas in Madeen's catalog snapshot. Its annual fee is $99. New applicants may see: Earn $250 bonus reward (25,000 points) after you spend $2000 within first 120 days of account opening..
- Top category
- Gas
- Effective value
- 4%
- Annual fee
- $99
Best for gas-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in gas and can earn 4x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
What does the Middlesex Savings Bank Visa Travel Rewards+ earn in each category?
Gas is the strongest category at 4% effective value (4x points at about 1 cents each). That gas rate ranks higher than about 92% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Middlesex Savings Bank Visa Travel Rewards+ compares across dining, grocery, gas, travel, and other spend. Catalog spend signals.
Gas is the strongest category at 4% effective value (4x points at about 1 cents each). That gas rate ranks higher than about 92% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Middlesex Savings Bank Visa Travel Rewards+ compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5x points | 1.5% |
| Grocery Supermarkets and grocery stores | 1.5x points | 1.5% |
| Gas Gas stations and fuel | 4x points | 4% Top category |
| Travel Flights, hotels, transit | 1.5x points | 1.5% |
| Other General everyday spend | 1.5x points | 1.5% |
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.
What are the Middlesex Savings Bank Visa Travel Rewards+ reward caps and conditions?
The Middlesex Savings Bank Visa Travel Rewards+ has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 4x unlimited points on travel, gas stations, electric vehicle charging stations, entertainment, and recreation purchases
Who should get the Middlesex Savings Bank Visa Travel Rewards+?
The Middlesex Savings Bank Visa Travel Rewards+ fits spenders who put meaningful volume in gas and can earn 4x points. Best for spenders who put meaningful volume in gas and can earn 4x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Middlesex Savings Bank Visa Travel Rewards+ fits spenders who put meaningful volume in gas and can earn 4x points. Madeen ranks its gas effective rate higher than about 92% 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 gas and can earn 4x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for gas-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is gas at about 4% effective (4x points).
- That gas rate ranks higher than about 92% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $99 annual fee requires enough spend in bonus categories to offset.
- Elan Rewards value depends on how you redeem, not straight cash back.
What is the Middlesex Savings Bank Visa Travel Rewards+ welcome bonus?
In Madeen's catalog snapshot, the Middlesex Savings Bank Visa Travel Rewards+ welcome offer is Earn $250 bonus reward (25,000 points) after you spend $2000 within first 120 days of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 25k Elan Rewards (~$250 estimated)
- Terms (catalog snapshot)
- Earn $250 bonus reward (25,000 points) after you spend $2000 within first 120 days of account opening. First-year annual fee waived.
- Minimum spend
- $2,000
- Window
- 120Days
Does the Middlesex Savings Bank Visa Travel Rewards+ have an annual fee?
The Middlesex Savings Bank Visa Travel Rewards+ has an annual fee of $99 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $99
- Foreign transaction fee
- None
What travel perks does the Middlesex Savings Bank Visa Travel Rewards+ include?
The Middlesex Savings Bank Visa Travel Rewards+ includes Lounge access, Booking.com, Dovly Uplift™, Global Entry Statement Credit in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Lounge access
Complimentary Priority Pass™ Select membership with access to more than 1,300 VIP lounges worldwide.
What benefits come with the Middlesex Savings Bank Visa Travel Rewards+?
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Lounge Access
$99/yrComplimentary Priority Pass™ Select membership with access to more than 1,300 VIP lounges worldwide.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
ID Navigator Powered by NortonLifeLock
$10/yrProvides tools so you can act quickly if your identity is threatened.
Golf Benefits from Troon Rewards®
$10/yrEnjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Stay connected in over 175 countries
$10/yrEligible 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.
Travel and Emergency Assistance Services
$10/yrWhen 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.
Universal Destinations & Experiences
$10/yrGet exciting benefits at Universal Studios Hollywood and Universal Orlando Resort when you pay with your Visa Signature® or Visa Infinite® card.
Related encyclopedia topics
- Visa
- Shopping and dining network perks
- Credit score monitoring
- Global Entry / TSA PreCheck credit
- Golf Benefits from Troon Rewards
- ID Navigator Powered by NortonLifeLock
- Priority Pass lounge access
- Dining credit
- Roadside Dispatch
- Streaming or digital credit
- Stay connected in over 175 countries
- Travel and Emergency Assistance Services
Common questions about the Middlesex Savings Bank Visa Travel Rewards+
Where do cardholders spend most with the Middlesex Savings Bank Visa Travel Rewards+?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on other entertainment (4x), sporting events amusement parks and museums (4x), sporting goods (4x) for the Middlesex Savings Bank Visa Travel Rewards+. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Middlesex Savings Bank Visa Travel Rewards+ have an annual fee?
The Middlesex Savings Bank Visa Travel Rewards+ carries an annual fee of $99 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Middlesex Savings Bank Visa Travel Rewards+?
Gas is the strongest Madeen category for the Middlesex Savings Bank Visa Travel Rewards+ at about 4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Middlesex Savings Bank Visa Travel Rewards+ charge foreign transaction fees?
The Middlesex Savings Bank Visa Travel Rewards+ does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Middlesex Savings Bank Visa Travel Rewards+ welcome bonus?
The Middlesex Savings Bank Visa Travel Rewards+ welcome offer in our snapshot: Earn $250 bonus reward (25,000 points) after you spend $2000 within first 120 days of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Middlesex Savings Bank Visa Travel Rewards+ annual fee worth it?
Whether the $99 annual fee pays off depends on how much you spend in gas and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
How does the Middlesex Savings Bank Visa Travel Rewards+ compare to similar cards?
Compare the Middlesex Savings Bank Visa Travel Rewards+ against Middlesex Savings Bank Visa Max Cash Preferred (5% on Other, $0 fee); Middlesex Savings Bank Visa Everyday Rewards+ (4% on Dining, $0 fee); Middlesex Savings Bank Visa Business Cash Preferred (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Middlesex Savings Bank Visa Travel Rewards+ This card | Gas | 4% | $99 |
Middlesex Savings Bank | Other | 5% | $0 |
Middlesex Savings Bank | Dining | 4% | $0 |
Middlesex Savings Bank | Dining | 3% | $0 |
Middlesex Savings Bank | Dining | 2% | $390 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for gas spend to see which cards win at checkout.
Related Madeen guides
Related cards
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Middlesex Savings Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Middlesex Savings Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure