Provident Bank Mastercard® Reserve Rewards+ Card
Provident 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 Provident 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 Provident Bank Mastercard® Reserve Rewards+ Card from Provident Bank earns up to 2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $390. New applicants may see: Earn $500 bonus reward (50,000 points) after you spend $4,500 within first 90 days of account opening..
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $390
Best for dining-heavy spend when the $390 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2x 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 Provident Bank Mastercard Reserve Rewards+ Card earn in each category?
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Provident Bank Mastercard Reserve Rewards+ Card compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Provident Bank Mastercard Reserve Rewards+ Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 2% Top category |
| Grocery Supermarkets and grocery stores | 2x points | 2% |
| Gas Gas stations and fuel | 2x points | 2% |
| Travel Flights, hotels, transit | 2x points | 2% |
| Other General everyday spend | 2x points | 2% |
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.
Who should get the Provident Bank Mastercard Reserve Rewards+ Card?
The Provident Bank Mastercard Reserve Rewards+ Card fits spenders who put meaningful volume in dining and can earn 2x points. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Provident Bank Mastercard Reserve Rewards+ Card fits spenders who put meaningful volume in dining and can earn 2x points. Madeen ranks its dining effective rate higher than about 59% 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 dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $390 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 2% effective (2x points).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $390 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 Provident Bank Mastercard Reserve Rewards+ Card welcome bonus?
In Madeen's catalog snapshot, the Provident Bank Mastercard Reserve Rewards+ Card welcome offer is Earn $500 bonus reward (50,000 points) after you spend $4,500 within first 90 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
- 50k Elan Rewards (~$500 estimated)
- Terms (catalog snapshot)
- Earn $500 bonus reward (50,000 points) after you spend $4,500 within first 90 days of account opening.
- Minimum spend
- $4,500
- Window
- 90Days
Does the Provident Bank Mastercard Reserve Rewards+ Card have an annual fee?
The Provident Bank Mastercard Reserve Rewards+ Card has an annual fee of $390 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $390
- Foreign transaction fee
- None
What travel perks does the Provident Bank Mastercard Reserve Rewards+ Card include?
The Provident Bank Mastercard Reserve Rewards+ Card includes Trusted traveler credit, Lounge access, Global emergency services, HealthLock and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
TSA PreCheck® or Global Entry® credit.
Lounge access
Complimentary Priority Pass™ Select membership with access to more than 1,300 VIP lounges worldwide.
What benefits come with the Provident Bank Mastercard Reserve Rewards+ Card?
Lyft
$1,440/yrMore 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.
Statement Credits
$240/yrUp to $240 in statement credits for categories like sports and fitness, personal care, entertainment, streaming services and dining/restaurants.
Mastercard Transit Benefit
$200/yrSave 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.
World Elite Concierge
$150/yrComplimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Instacart
$140/yrGroceries 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.
Trusted Traveler Credit
$120/yrTSA PreCheck® or Global Entry® credit.
Travel Credit
$100/yr$100 travel credit when you book through the Rewards Center.
Lounge Access
$99/yrComplimentary Priority Pass™ Select membership with access to more than 1,300 VIP lounges worldwide.
Priority Pass
$99/yrGet access to 1,700+ airport lounges worldwide and special offers and discounts in the terminal on dining, retail and spa experiences.
Wine Credit
$60/yr$60 Priority Wine Pass credits.
Peacock
$36/yrGet $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 12/31/2027.1
ID Navigator Powered by NortonLifeLock
$10/yrProvides tools so you can act quickly if your identity is threatened.
Related encyclopedia topics
Common questions about the Provident Bank Mastercard Reserve Rewards+ Card
Does the Provident Bank Mastercard Reserve Rewards+ Card have an annual fee?
The Provident Bank Mastercard Reserve Rewards+ Card carries an annual fee of $390 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 Provident Bank Mastercard Reserve Rewards+ Card?
Dining is the strongest Madeen category for the Provident Bank Mastercard Reserve Rewards+ Card at about 2% 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 Provident Bank Mastercard Reserve Rewards+ Card charge foreign transaction fees?
The Provident Bank Mastercard Reserve Rewards+ Card 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 Provident Bank Mastercard Reserve Rewards+ Card welcome bonus?
The Provident Bank Mastercard Reserve Rewards+ Card welcome offer in our snapshot: Earn $500 bonus reward (50,000 points) after you spend $4,500 within first 90 days of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Provident Bank Mastercard Reserve Rewards+ Card annual fee worth it?
Whether the $390 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the Provident Bank Mastercard Reserve Rewards+ Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Provident Bank Mastercard Reserve Rewards+ Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Provident Bank Mastercard Reserve Rewards+ Card compare to similar cards?
Compare the Provident Bank Mastercard Reserve Rewards+ Card against Provident Bank Mastercard Everyday Rewards+ (4% on Dining, $0 fee); Provident Bank Mastercard Business Cash Preferred (3% on Dining, $0 fee); Provident Bank Mastercard Business Real Rewards (1.5% 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 |
|---|---|---|---|
Provident Bank Mastercard Reserve Rewards+ Card This card | Dining | 2% | $390 |
Provident Bank | Dining | 4% | $0 |
Provident Bank | Dining | 3% | $0 |
Provident Bank | Dining | 1.5% | $0 |
Provident Bank | Dining | 1.5% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Provident 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 Provident 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