Credit Card Special Offers

A BETTER CARD FROM A TRUSTED BANK

In stores or online, across town or around the world, a Ridgewood Mastercard® can make your day-to-day purchases a breeze.

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Fast, Secure Purchases

Accepted at millions of merchants worldwide.

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Easy Payments from Your Phone

Add your card to your Google Pay™, Apple Pay® or Samsung Pay® mobile wallet.***

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Zero Liability Protection*

Stay protected in case of unauthorized transactions.

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Easy Online Account Access

And 24/7 customer support.

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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

  Platinum Rewards Mastercard image Platinum Mastercard image World Mastercard image
 

Platinum Rewards Mastercard®

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

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Platinum Mastercard®

Simplify your finances and pay off credit card balances faster with a lower APR.

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World Mastercard®

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

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Special Introductory Offer
  • Get $200 worth of Rewards Points1 when you spend $2,000 on purchases in the first 90 days from account opening.
  • 0% intro APR2 for 12 months on balance transfers.
  • After the introductory period, a variable APR of 14.49% - 20.49% 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 10.49% - 18.49% will apply.
Terms and Conditions
  • Get $500 worth of Rewards Points3 when you spend $5,000 on purchases in the first 90 days from account opening.
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 14.49% - 20.49% APR, based on creditworthiness Variable APR of 10.49% - 18.49% APR, based on creditworthiness Variable APR of 14.49% - 21.49% 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 No Over Limit Fee
Terms and Conditions
No Over Limit Fee
Terms and Conditions
No Over Limit Fee
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

PERSONAL SERVICE, PLATINUM PERKS

No matter which card you choose, you'll enjoy Ridgewood's exceptional local service and these valuable Mastercard® benefits:**

Extended Warranty

For eligible items purchased with your Ridgewood Mastercard®.

Price Protection

You're covered if you find a lower price on an item you purchased with your card.

Mastercard Global Services

You can access 24-hour assistance for lost and stolen cards, emergency card replacement and more.

MasterRental® Coverage

Get insurance coverage for car rentals when you pay with your credit card.

Identity Theft Resolution Services

Available 24/7 from Mastercard®.

APPLY IN MINUTES

Or reach out to our friendly team 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. Offer ends 12/31/2019.

1 Platinum Rewards Mastercard Bonus Offer: A Bonus will be awarded as 20,000 Rewards Points, which can be redeemed for a $200 statement credit. To earn Bonus, you must complete $2,000 in purchases with your Platinum Rewards 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 $2,000 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 are subject to change or termination without notice. Offer ends 12/31/2019.

2 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 11/25/19 is 14.49% to 20.49%. 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.

3 World 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 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 are subject to change or termination without notice. Offer ends 12/31/2019.

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 11/25/19 is 10.49% to 18.49%. 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.

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 11/25/19 is 10.49% to 18.49%.

Fees and Interest (Applies to the Platinum Mastercard, Platinum Rewards Mastercard, and World Mastercard ): There is no annual fee for the Platinum Mastercard and the Platinum Rewards Mastercard. There is a $95 annual fee for the World 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 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.

***Apple Pay® is a registered trademark of Apple Inc. Samsung Pay® is a registered trademark of Samsung Electronics Co., Ltd. Google Pay™ is a trademark of Google LLC.

"Mastercard" and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

Subject to Credit Approval. New Cardmembers Only.