Business Credit Card Special Offers

Get the purchasing power to help your business grow, from the local bank you know. 

Enjoy the benefits of a Ridgewood Business Mastercard®.

icon for Fast, Secure Purchases

Fast, Secure Purchases

Accepted at millions of merchants worldwide.

icon for Zero Liability Protection

Receipt Management App

Streamline expense tracking and skip the extra paperwork.

icon for Easy Online Account Access

24/7 Support

And easy online account access.

icon for Convenient Ways to Pay

Convenient Ways to Pay

Pay your bill via automatic debit, online bill pay, at a branch or by mail.

COMPARE CREDIT CARDS

  Business Platinum Rewards Mastercard image Business Platinum Mastercard image Business World Mastercard image
 

Business Platinum Rewards Mastercard®

Earn Rewards Points and redeem them for cash back, travel or popular gift cards.

APPLY NOW*

*Exclusively for Ridgewood deposit customers

Business Platinum Mastercard®

With a lower APR, This card is ideal for businesses that may need to carry a balance.

APPLY NOW*

*Exclusively for Ridgewood deposit customers

Business World Elite Mastercard®

Earn more Rewards Points on travel, dining and gas purchases.  

APPLY NOW*

*Exclusively for Ridgewood deposit customers

Special Introductory Offer
  • 0% intro APR1 for 12 months on balance transfers.
  • After the introductory period, a variable APR of 12.99% - 18.99% will apply.
Terms and Conditions
  • 0% intro APR for 12 months on balance transfers.
  • 0% intro APR for 6 months on purchases.
  • After the introductory periods, a variable APR of 8.99% - 16.99% will apply.
Terms and Conditions
  • Get $500 worth of Rewards Points2 when you spend $5,000 on purchases in the first 90 days from account opening.
  • No foreign transaction fee.
Terms and Conditions
Rewards

Earn 1 point for every $1 spent with no limit

Rewards Terms and Conditions

N/A

Earn 3 points for every $1 spent on travel and dining

Earn 2 points for every $1 spent on gasoline

Earn 1 point for every $1 spent on all other purchases

No limit on Rewards Points earned

Rewards Terms and Conditions

Rate Variable APR of 12.99 - 18.99% APR, based on creditworthiness Variable APR of 8.99% - 16.99% APR, based on creditworthiness Variable APR of 12.99% - 19.99% 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

 

Click here to learn more about our 

PERSONAL CREDIT CARDS

Online Security
 

 

Ridgewood Savings Bank Is Recognized as One of the Top Five Banks in Both New York City and on Long Island

Ridgewood Wins Two Banking Choice Awards for Overall Quality, Based on the Prestigious Rivel Bank Benchmarks Survey

Ridgewood, N.Y. (August 11, 2020) - Ridgewood Savings Bank (“Ridgewood”) has won two prestigious Banking Choice Awards for customer experience for its banking services in New York City and on Long Island, announced Leonard Stekol, Chairman, President & CEO, today. The awards are based on the results of the highly respected annual Rivel Banking Benchmarks survey. The company conducted 17,147 interviews in New York that asked respondents to evaluate more than 50 different metrics about each institution they use for banking services.

The Banking Choice Awards are based on customer assessments of a bank’s overall quality, customer service, tools and technology, among other metrics. The awards are presented annually by American Business Media, which publishes Banking New York, and Rivel Banking Benchmarks.

This is the second time this year that Ridgewood has been recognized for its outstanding customer experience. In June, the Bank was named to the prestigious Forbes annual list of Best-in-State Banks 2020, ranking #2 in New York State.

“I know I speak for all of our dedicated employees when I say that it is gratifying to be officially recognized for the outstanding customer experience that we deliver,” Mr. Stekol said. “Our two Banking Choice Awards confirm that we are meeting the needs of our customers by delivering modern solutions that remain rooted in traditional community bank principles.”

The Banking Choice Awards are broken down by region, with banks measured alongside other regional financial institutions. Ridgewood was ranked #4 for overall quality in New York City and #5 for overall quality on Long Island. The rankings can be viewed here and here, respectively.

Mr. Stekol noted that winning the awards shows that customers respond positively to the Bank’s core values of relationships, competitive rates, convenience, financial solutions, giving back, and strength and stability. “We know that our customers’ success is the key to our success, and their success depends on providing excellent products and services with our personal touch,” he said.

 

 

Ridgewood Ranks #2 in New York State Based on Customer Surveys

Customers Say They’re Highly Satisfied and Would Recommend Ridgewood’s Services

Ridgewood, N.Y. (July 1, 2020) - Ridgewood Savings Bank has been named to the prestigious Forbes annual list of Best-in-State Banks 2020, ranking #2 in New York State. The Forbes Best-in State ranking is based on an impartial national survey of checking account customers conducted by Statista Inc. The list of Best-in-State Banks 2020 can be found here.

“As a community bank, our first priority is to provide customers with the best possible service and banking experience,” says Leonard Stekol, CEO, President, and Chairman of Ridgewood Savings Bank. “We are extremely pleased that our hard work and commitment to our customers have been recognized by Forbes and Statista.”

Forbes Best-In-State Banks 2020 comprises the top banks based on the results of independent surveys involving approximately 25,000 U.S. consumers who were asked to rate the financial institutions at which they have or have had checking accounts. Participants made recommendations regarding overall satisfaction; they also assessed banks in the following areas: “Trust,” “Digital Services,” “Branch Services,” “Financial Advice," and “Terms & Conditions.” 

Ridgewood is proud to successfully pair personal with the digital banking services that consumers demand. Ridgewood’s online banking and highly rated mobile app enable customers to do their banking anytime, anywhere; Alexa voice banking helps busy families manage their accounts while they multitask; and Ridgewood’s Mobile Wallet lets customers pay for purchases by using their smartphones or smartwatches. Yet, Ridgewood does not use automated phone systems for customer service: call the bank, and a real person answers the phone.

Such personal service is important to customers like Rosa Pena, who lives in the Bronx, New York and switched her checking account to Ridgewood to save money on fees. “I deal with real people there. I recently needed to change the password on my Ridgewood mobile app. I called the customer service phone number, and I spoke to a live person! There are real people there to answer questions and give support,” she explains.

 

 

Business checking customers are equally enthusiastic about Ridgewood’s support, particularly during the current COVID-19 pandemic. “We heard numerous rumors about the Paycheck Protection Program rolled out by the SBA, but neither the internet nor my CPA could shed light on how the program worked,” says Paul DeMarinis, who with his wife Antonella DeMarinis owns GSCE Construction in Ridgewood, New York.

Mr. DeMarinis walked into his local Ridgewood branch and spoke to a business banking relationship manager. "I rapidly fired off 15 questions in two minutes, and he had answers for all of them. Within an hour, he had an email out to my office, citing exactly what was needed from my company to apply for the loan,” he says.

 

 

Among the other courtesies that Ridgewood customers enjoy are the Bank’s network of 55,000 no-fee ATMs and free access to EZShield ID Restoration for all checking customers. In addition, for a nominal fee, customers can add EZShield Identity Theft Protection® to their checking accounts.

 

About Ridgewood Savings Bank

Founded in 1921, Ridgewood Savings Bank continues to serve the community as a strong and stable mutual savings bank with over $6 billion in assets and 35 branches located throughout the New York metropolitan area. Since inception, Ridgewood Savings Bank has remained true to its community bank roots and mission to provide its customers the best possible service and banking experience. As it continues to refine and enhance its services and delivery channels, Ridgewood Savings Bank will continuously strive to be the bank that offers “Traditional Values with Modern Solutions.”

 

If you have any questions, please reach out to your Business Banking Relationship Manager to learn more.

 
To report a lost or stolen Ridgewood Credit Card immediately call
(855) 401-4743, 24/7.

Subject to Credit Approval. New Cardmembers Only. APR = Annual Percentage Rate. All offers and terms are subject to change at any time without notice.

1 Business Platinum Rewards Mastercard 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 3/25/20 is 12.99% to 18.99%. 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.

Business World Elite Mastercard Bonus Offer: A Bonus will be awarded as 50,000 Rewards Points, which can be redeemed for a $500 statement credit. To earn Bonus, you must complete $5,000 in purchases with your World Elite Mastercard 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. 

 Business Platinum Mastercard 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 3/25/20 is 8.99% to 16.99%. 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.

 Business Platinum Mastercard 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 3/25/20 is 8.99% to 16.99%.

Fees and Interest (Applies to the Platinum Mastercard, Platinum Rewards Mastercard, and World Elite Mastercard ): There is no annual fee for the Platinum Mastercard and the Platinum Rewards Mastercard. There is a $95 annual fee for the World Elite Mastercard 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 Platinum Mastercard and the Platinum Rewards Mastercard fee for foreign transactions is 1.5% of each transaction in U.S. dollars. There is no foreign transaction fee for the World Elite Mastercard. For all cards, the fee for each late payment is up to $35; the fee for each returned payment is up to $35; there is no over-the-credit limit fee.

* 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.