Business Credit Cards

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

Enjoy the benefits of a Ridgewood Business Mastercard®.

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Fast, Secure Purchases

Accepted at millions of merchants worldwide.

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Receipt Management App

Streamline expense tracking and skip the extra paperwork.

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24/7 Support

And easy online account access.

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Convenient Ways to Pay

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

COMPARE CREDIT CARDS

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

Mastercard Business Platinum®

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

APPLY NOW*

*Exclusively for Ridgewood deposit customers

Mastercard Business Platinum Rewards®

Earn cash back rewards on your daily business purchases.

APPLY NOW*

*Exclusively for Ridgewood deposit customers

Mastercard Business World Elite®

Combines rewards with flexible controls for an enhanced business experience.  

APPLY NOW*

*Exclusively for Ridgewood deposit customers

Special Introductory Offer
  • 0% intro APR for 12 months on balance transfers within 60 days of account opening.1
  • 0% intro APR for 6 months on purchases.2
  • After the introductory periods, a variable APR of 8.99% - 16.99% will apply.
Terms and Conditions
  • 0% intro APR for 12 months on balance transfers within 60 days of account opening.3
  • After the introductory periods, a variable APR of 12.99% - 18.99% will apply.
Terms and Conditions
  • Get a one-time cash back bonus of $500 when you spend $5000 in the first 90 days.4
Terms and Conditions
Rewards

N/A

Earn 1% cash back on all purchases**

Easily redeem cash back for statement credit or direct deposit to a Ridgewood demand deposit account

Rewards Terms and Conditions

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

Rewards Terms and Conditions

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

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. Ask for Details. New Cardmembers Only. APR = Annual Percentage Rate. All offers and terms are subject to change at any time without notice.

1 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 3/17/21 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.

2 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 3/17/21 is 8.99% to 16.99%.

3 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 3/17/21 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.

4  Business World Elite Mastercard 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 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. 

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 Business Platinum Mastercard, Business Platinum Rewards Mastercard, and Business World Elite Mastercard): There is no annual fee for the Business Platinum Mastercard and the Business Platinum Rewards Mastercard. There is a $95 annual fee for the Business 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 Business Platinum Mastercard and the Business 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 Business 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; 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.