COMPARE CREDIT CARDS
Mastercard Business Platinum®With a lower APR, this card is ideal for businesses that may need to carry a balance. *Exclusively for Ridgewood deposit customers |
Mastercard Business Platinum Rewards®Earn cash back rewards on your daily business purchases. *Exclusively for Ridgewood deposit customers |
Mastercard Business World Elite®Combines rewards with flexible controls for an enhanced business experience. *Exclusively for Ridgewood deposit customers |
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Special Introductory Offer |
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Rewards |
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Earn 1% cash back on all purchases** Easily redeem cash back for statement credit or direct deposit to a Ridgewood demand deposit account |
Earn 3% cash back for every $1 spent on travel and dining5 Earn 2% cash back for every $1 spent on gasoline and office supplies5 Earn 1% cash back for every $1 spent on all other purchases** Easily redeem cash back for statement credit or direct deposit to a Ridgewood demand deposit account |
Rate | Variable APR of 13.74% - 21.74% APR, based on creditworthiness | Variable APR of 17.74% - 23.74% APR, based on creditworthiness | Variable APR of 17.74% - 23.99% APR, based on creditworthiness |
Annual Fee | No Annual Fee Terms and Conditions |
No Annual Fee Terms and Conditions |
$95 - Fee waived for first year Terms and Conditions |
Over Limit Fee | $35 - Waived if less than $100 over limit Terms and Conditions |
$35 - Waived if less than $100 over limit Terms and Conditions |
$35 - Waived if less than $100 over limit Terms and Conditions |
Balance Transfers | Either $10 or 3%, whichever is greater | Either $10 or 3%, whichever is greater | Either $10 or 3%, whichever is greater |
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If you have any questions, please reach out to your Business Banking Relationship Manager to learn more.
(855) 401-4743, 24/7.
Subject to Credit Approval. Ask for Details. New Cardmembers Only. APR = Annual Percentage Rate. All offers and terms are subject to change at any time without notice.
1 Mastercard Business Platinum Intro APR Offer on Balance Transfers: The Introductory APR for balance transfers is 0% for 12 months, followed by a variable APR that is based on the WSJ Prime Rate and your creditworthiness. The rate as of 10/1/24 is 13.74% to 21.74%. The balance transfer must be completed within 60 days of account opening. You will be charged a balance transfer fee of either $10 or 3% of the amount of the transfer (whichever is greater) for each balance transfer.
2 Mastercard Business Platinum Intro APR Offer on Purchases: The Introductory APR for purchases is 0% for six months, followed by a variable APR that is based on the WSJ Prime Rate and your creditworthiness. The rate as of 10/1/24 is 13.74% to 21.74%.
3 Mastercard Business Platinum Rewards Intro APR Offer on Balance Transfers: The Introductory APR for balance transfers is 0% for 12 months, followed by a variable APR that is based on the WSJ Prime Rate and your creditworthiness. The rate as of 10/1/24 is 17.74% to 23.74%. The balance transfer must be completed within 60 days of account opening. You will be charged a balance transfer fee of either $10 or 3% of the amount of the transfer (whichever is greater) for each balance transfer.
4 Mastercard Business World Elite Bonus Offer: A cash back Bonus will be awarded as a $500 statement credit. To earn Bonus, you must complete $5,000 in purchases with your Mastercard World Elite during the first 90 days from account opening, which begins on the date of the new account letter and ends 90 days later. Purchases to meet the $5,000 spending requirements ("Qualifying Purchases") do NOT include fees or interest charges, balance transfers, cash advances, convenience checks, disputed or unauthorized purchases/fraudulent transactions, purchases of traveler's checks, purchases or reloading of prepaid cards, or purchases of any cash equivalents. Qualifying purchases also do not include any refunds or credit adjustments as shown on the monthly statement. Qualifying Purchases can be made by any cardholder(s) authorized to make purchases on the credit card account. For details on the Rewards Program, please visit https://ridgewoodbank.myapexcard.com/apply#p=application/rewardsTerms. Rewards options and offers are subject to change or termination without notice.
5 Cash Back Rewards Offer: Similar merchant category codes are grouped into purchase categories that are used to calculate the stated rewards. Every effort is made to include all relevant merchant category codes in the listed purchase categories. However, even though a merchant or the items that it sells may appear to fit within a purchase category, the merchant may not provide the merchant code that will fall within that purchase category. Because of this, it cannot be guaranteed that a purchase will qualify for more than the standard 1% cash back as any purchase where a merchant uses a category code outside of the eligible purchase category does not qualify for additional cash back.
Fees and Interest (Applies to the Mastercard Business Platinum, Mastercard Business Platinum Rewards, and Mastercard Business World Elite): There is no annual fee for the Mastercard Business Platinum and the Mastercard Business Platinum Rewards. There is a $95 annual fee for the Mastercard Business World Elite that is waived for the first year from account opening. For all cards, you will not be charged any interest if you pay your entire balance by the due date each month. The due date will be at least 25 days after the close of each billing cycle. If you are charged interest, the minimum interest charged will be no less than $1. The cash advance fee for all cards is either $10 or 4% of the amount of each cash advance (whichever is greater). The APR for cash advances is 23.99%. The Mastercard Business Platinum and the Mastercard Business Platinum Rewards fee for foreign transactions is 1.5% of each transaction in U.S. dollars. There is no foreign transaction fee for the Mastercard Business World Elite. For all cards, the fee for each late payment is up to $35; the fee for each returned payment is up to $35; the fee for over-the-credit limit is $35.
**For details on the Rewards Program, please visit https://ridgewoodbank.myapexcard.com/apply#p=application/rewardsTerms. Rewards options and offers are subject to change or termination without notice.
Ridgewood Savings Bank will not hold you responsible for unauthorized transactions if you used reasonable care in protecting your card from loss or theft and promptly reported the loss or theft to us. See your Mastercard® Guide to Benefits for more information.
Certain restrictions, limitations, and exclusions apply. Please consult your Mastercard® Guide to Benefits for specific benefit configuration.
Mastercard cardholders can save up to $20 on TurboTax federal products and save 40% on QuickBooks Online for 12 months. Please consult your Mastercard® Guide to Benefits for details.
"Mastercard" and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. QuickBooks and TurboTax are registered trademarks of Intuit Inc.
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