Points · Visa · $390 annual fee
Last verified 2026-09-09. Review issuer source
Dedham Savings Visa Reserve Rewards+ Card is a $390-a-year points card from Dedham Savings. It earns 2x on every purchase with no categories to track, plus 6x on travel booked through Elan Rewards. Rewards are Elan Rewards points that only spend inside that program, so we value them at about 0.5¢ each.
On our reference budget of $24,600 a year its rewards come to $306, $84 short of the annual fee. That is normal at this price; the card only works if the perks replace spending you already do, or your bonus-category spending is far above a typical household's. The welcome bonus, 50,000 points after $4,500 in 90 days, is the strongest reason to open it in a given year.
Get it if you already fly or stay with Elan Rewards often enough to use the lounge access. A general travel card earns points that go more places.
6x on prepaid travel booked directly in the Rewards Center when you use your card
Earn $500 bonus reward (50,000 points) after you spend $4,500 within first 90 days of account opening.
Provides tools so you can act quickly if your identity is threatened.
Complimentary Priority Pass™ Select membership with access to more than 1,300 VIP lounges worldwide.
Up to $240 in statement credits for categories like sports and fitness, personal care, entertainment, streaming services and dining/restaurants.
$100 travel credit when you book through the Rewards Center.
TSA PreCheck® or Global Entry® credit.
$60 Priority Wine Pass credits.
These come from Visa, not from Dedham Savings. Every card on the Visa Infinite tier carries them, so they should not decide between two cards.
When you use your covered Visa card to rent a vehicle, you’ll get built-in Auto Rental Coverage. You can be covered for physical damage, theft, reasonable and customary towing and loss-of-use charges. Decline the Collision Damage Waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract.
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
When you use your covered Visa card for your eligible purchases Extended Warranty Protection will extend the term of your eligible manufacturer’s U.S. warranty by 1 additional year on eligible warranties of 3 years or less; for a manufacturer’s warranty of 3 months, the term is extended an additional 12 months for a combined total of 15 months of coverage; for warranties of one year or more an additional year of coverage is provided.
Apply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Infinite card to pay the application fee (currently $120) to receive a $120 statement credit.
Your Visa Infinite card entitles you to automatic Platinum Status when you sign up for Troon Rewards®, for 20% saving on golf fees, merchandise and lessons at over 150 golf courses across the United States and world.
When you use your covered card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection by the airline or common carrier.
Visa Infinite cardholders receive special privileges from Relais & Châteaux, a highly prestigious association of approximately 500 luxury properties worldwide.
When you use your covered Visa card to make an eligible purchase, you can get return protection if you are dissatisfied with your item within 90 days of purchase and the merchant will not accept the return.
This 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.
Eligible 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.
Add peace of mind to your itinerary. Purchase your airline ticket with your covered Visa card and you can enjoy Travel Accident Insurance.
When 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. Keep in mind this program provides assistance only. Cardholders are responsible for the cost of any services received.
When you purchase your travel ticket with a covered Visa card and you must cancel or interrupt your trip, this benefit can help reimburse for the non-refundable cost of your passenger fare. This coverage applies to more than air travel. It also can be in place when a covered Visa card is used to purchase a ticket for travel via other forms of eligible transportation, such as a ferry, rail, bus or cruise ship.
Anticipate delays when you purchase air travel with your covered Visa card. With Trip Delay coverage, you can receive up to $500.00 when you’re stuck for more than 6 hours due to a covered hazard such as equipment failure, inclement weather, strike and hijacking/skyjacking.
Enjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.
The Visa Luxury Hotel Collection offers an unparalleled experience with an extraordinary collection of benefits like VIP status, complimentary breakfast daily, an upgrade when available and a special amenity unique to each property.
Book with your Visa Infinite card and get VIP amenities and discounts with Avis, Hertz, and National®.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
Complimentary Priority Pass™ Select membership with access to more than 1,300 VIP lounges worldwide.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Dedham Savings Visa® Reserve Rewards+ CardThis card · 2x on everything | $390 | $306 | −$84 | 1170th of 1,291 |
| Dedham Savings Visa® Max Cash PreferredDedham Savings's most-held other card · 5% on cable TV | None | $552 | +$552 | 101st of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
