Choosing the right credit card is easier than ever with Middlesex Savings Bank's options.
Looking to pay down debt? Want to make more of everyday purchases with a fantastic rewards program? Need to build or rebuilt your credit history? We're right there with you, with a host of credit cards from Visa® and American Express®. No matter which card you choose, you’ll enjoy great features.
- Europay®, Mastercard® and Visa® (EMV) smart chip technology for added security
- Mobile purchasing capability for added convenience
- Plus much more!
Middlesex is a full-service bank serving individuals, families and business owners throughout Massachusetts.
Visa® Platinum Card
- Save on interest
- Non-Rewards
Cash Rewards American Express® Card
When you'd rather earn cash back on your everyday purchases, opt for the Cash Rewards American Express® Card. You'll love how your trips to the gas station, grocery store and other retailers quickly add up.
- 3% cash back1 on the first $6,000 in eligible net purchases made each year at gas stations2,4
- 2% cash back on eligible supermarket net purchases
- 1% cash back on all other eligible net purchases
- $25 cash back awarded after first purchase3
Visa® Secured Card
Whether you're just starting out or ready to start over, the Secured Visa® Card provides an excellent opportunity to build credit history.
- If you need to improve or re-establish your credit history8, here's a great way to begin that process
- Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account
Premier Rewards American Express® Card
Take your rewards to the next level. Your ability to earn points increases with the Premier Rewards American Express® Card.
- Earn 4 points for every $1 spent on eligible net restaurant purchases6
- Earn 3 points for every $1 spent on eligible net airline purchases
- Earn 2 points for every $1 spent on eligible net gas purchases
- Earn 1 point for every $1 spent on all other eligible net purchases
- Plus, earn 10,000 one-time bonus rewards after you spend $1,000 in the first 3 months3
- No cap or limit on the number of points you can earn, and you have five years to redeem for rewards4
- Reimbursement for either Global Entry or TSA Pre✔®7
Visa® College Real Rewards Card
As you're building your credit, take advantage of a great rewards program, too. You'll see how quickly you can earn points with responsible credit card use.
- Earn 1.5 points monthly for every dollar you spend on eligible net purchases5
- No cap or limit on the points you can earn, plus you have five years to redeem points for rewards4
- 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings
Visa® Real Rewards Card
Are you ready to make more of your regular purchases? This reward card puts the power in your hands to earn points redeemable for all kinds of fantastic rewards.
- Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)5
- No cap or limit on the number of points you can earn, and you have five years to redeem for rewards4
- 2,500 bonus rewards points awarded after first purchase3
- Extended introductory offer.
- Save on interest and pay down your other credit card balances faster.
- Earn up to 3% cash back at gas stations.
- Also earn up to 2% cash back at supermarkets and 1% on all other eligible net purchases.
- Reward bonus - $25 value awarded after first purchase, redeemable as a cash deposit or a statement credit.
- Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).
- Reward bonus - $25 value awarded after first purchase, redeemable as a cash deposit or a statement credit.
- Earn up to 4x on eligible net purchases, 4x on restaurant purchases, 3x on airline purchases, 2x on gas station purchases and 1x on all other eligible net purchases.
- $100 cash back after you spend $1,000 in the first 3 months.
- $0 introductory Annual Fee for the first year. After that, $99 Annual Fee
- Excellent opportunity for someone starting a credit history.
- Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).
- Reward bonus - $25 value awarded after first purchase, redeemable as a cash deposit or a statement credit.
- Excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card.
- $35 Annual Fee
- Remember, late payments and going over the credit limit may damage your credit history.
- Introductory 0.00% APR for the first 20 billing cycles on purchases. * and balance transfers.
- Introductory 0.00% APR for the first 6 billing cycles on purchases. * and balance transfers.
- Introductory 0.00% APR for the first 6 billing cycles on purchases. * and balance transfers.
- N/A
- Introductory 0.00% APR for the first 6 billing cycles on purchases. * and balance transfers.
- Receive up to a $5,000 credit limit.
- No annual fee
- No annual fee
- No annual fee
- First year free, then $99 Annual Fee
- No annual fee
- $35 annual fee
- Yes
- Yes
- Yes
- No
- Yes
- Yes
- After that, a variable APR, currently 11.99% to 20.99%.* See Terms and Conditions for complete details.
- After that, a variable APR, currently 13.99% to 22.99%.* See the Terms and Conditions for complete details.
- After that, a variable APR, currently 13.99% to 22.99%.* See the Terms and Conditions for complete details.
- The APR on purchases is 13.99% to 22.99% based on your creditworthiness when you open your account. The APR on balance transfers is 13.99% to 22.99% based on your creditworthiness when you open your account. Purchase and Balance Transfer APRs will vary with the market based on the Prime Rate. Balance Transfer transaction fee of 3% of the amount of each transfer or $5 minimum, whichever is greater, will be applied. See the Terms and Conditions for complete details.
- After that, a variable APR, currently 13.99% to 22.99%.* See the Terms and Conditions for complete details.
- Variable APR currently 20.99%. * See Terms and Conditions for complete details.
- Applicant must be 18 years of age and have a U.S. address and Social Security number.
- Applicant must be 18 years of age and have a U.S. address and Social Security number.
- Applicant must be 18 years of age and have a U.S. address and Social Security number.
- Applicant must be 18 years of age and have a U.S. address and Social Security number.
- Applicant must be 18 years of age and have a U.S. address and Social Security number.
- Applicant must be 18 years of age, have a U.S. address and a Social Security number. A minimum security deposit of $300 is required ($5,000 maximum).
- N/A
- 3% cash back on the first $6,000 in eligible net purchases made each year at gas stations.1
- 2% cash back on supermarket net purchases.
- 1% cash back on other everyday net purchases.
- No limit on total cash back that you can earn, and you have five years to redeem cash back.2
- $25 cash back reward bonus after first purchase.3
- Zero Fraud Liability4
- Earn 1.5 points for every eligible net $1 you spend.1
- No cap or limit on the points you can earn, plus you have five years to redeem points for rewards.2
- 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings.
- Zero Fraud Liability4
- 4 points per $1 spent on eligible net restaurant purchases.1
- 3 points per $1 spent on eligible net airline purchases.
- 2 points for every $1 spent on eligible net gas station purchases.
- 1 point for every $1 spent on all other eligible net purchases.
- No caps or limits on the points you can earn, plus you have five years to redeem points for rewards.2
- 10,000 bonus rewards points after you spend $1,000 in the first 3 months (worth $100 Cash Back).3
- Zero Fraud Liability4
- No Foreign Transaction Fees
- Earn 1.5 points for every eligible net $1 you spend.1
- No caps or limits on the points you can earn, plus you have five years to redeem points for rewards.2
- 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings.
- Zero Fraud Liability4
- N/A
- Pay down your other credit card balances faster with a great low introductory rate for an extended time
- Save on interest
- Non-Rewards
- 3% cash back1 on the first $6,000 in eligible net purchases made each year at gas stations2,4
- 2% cash back on eligible supermarket net purchases
- 1% cash back on all other eligible net purchases
- $25 cash back awarded after first purchase3
- Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)5
- No cap or limit on the number of points you can earn, and you have five years to redeem for rewards
- 2,500 bonus rewards points awarded after first purchase3
- Earn 4 points for every $1 spent on eligible net restaurant purchases6
- Earn 3 points for every $1 spent on eligible net airline purchases
- Earn 2 points for every $1 spent on eligible net gas purchases
- Earn 1 point for every $1 spent on all other eligible net purchases
- Plus, earn 10,000 one-time bonus rewards after you spend $1,000 in the first 3 months3
- No cap or limit on the number of points you can earn, and you have five years to redeem for rewards4
- Reimbursement for either Global Entry or TSA Pre✔®7
- Earn 1.5 points monthly for every dollar you spend on eligible net purchases5
- No cap or limit on the points you can earn, plus you have five years to redeem points for rewards4
- 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings
- Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card. If you need to improve or re-establish your credit history8, here's a great way to begin that process
- Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured
Subject to approval.Carrier rates may apply.
1 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.
2 Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.
3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.
4 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember
Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including,
but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
5 Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to
1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are
earned.
6 Premier Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.
7 Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.
8 Late payments and going over the credit limit may damage your credit history. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.
