| APR for purchases | — | no source read | |
| APR for balance transfers | — | no source read | |
| APR for cash advances | — | no source read | |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Minimum interest charge | $1Ridgewood Savings Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “There is no annual fee for the Mastercard Platinum and the Mastercard Platinum Rewards. There is a $95 annual fee for the Mastercard World 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 charg…”Ridgewood Savings Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Annual fee | No Annual FeeRidgewood Savings Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “No Annual Fee”Ridgewood Savings Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees |
| Cash advance | the greater of $10 or 4% of the amount, There is no annual fee for the Mastercard Platinum and the Mastercard Platinum Rewards. There is a $95 annual fee for the Mastercard World 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 Platinum and the Mastercard 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 World. 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 · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “There is no annual fee for the Mastercard Platinum and the Mastercard Platinum Rewards. There is a $95 annual fee for the Mastercard World 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 charg…”Ridgewood Savings Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Balance transfer | the greater of $10 or 3% of the amount, 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 9/25/26 is 16.74% - 22.74%. 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.Ridgewood Savings Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “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 9/25/26 is 16.74% - 22.74%. 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 bal…”Ridgewood Savings Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Foreign transaction | 1.50% of the amount, There is no annual fee for the Mastercard Platinum and the Mastercard Platinum Rewards. There is a $95 annual fee for the Mastercard World 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 Platinum and the Mastercard 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 World. 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 · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “There is no annual fee for the Mastercard Platinum and the Mastercard Platinum Rewards. There is a $95 annual fee for the Mastercard World 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 charg…”Ridgewood Savings Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Penalty fees |
| Late payment | up to $35 — There is no annual fee for the Mastercard Platinum and the Mastercard Platinum Rewards. There is a $95 annual fee for the Mastercard World 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 Platinum and the Mastercard 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 World. 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 · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “There is no annual fee for the Mastercard Platinum and the Mastercard Platinum Rewards. There is a $95 annual fee for the Mastercard World 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 charg…”Ridgewood Savings Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Returned payment | up to $35 — There is no annual fee for the Mastercard Platinum and the Mastercard Platinum Rewards. There is a $95 annual fee for the Mastercard World 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 Platinum and the Mastercard 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 World. 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 · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “There is no annual fee for the Mastercard Platinum and the Mastercard Platinum Rewards. There is a $95 annual fee for the Mastercard World 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 charg…”Ridgewood Savings Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Cash back | 1% cash back. Payment timing is not disclosed. Earn 1% cash back for every $1 spent****Ridgewood Savings Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Earn 1% cash back for every $1 spent****”Ridgewood Savings Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Cash signup bonus | $50 cash award. After $1,000 in qualifying purchases. Purchases must qualify within 90 days of account opening. Payment timing is not disclosed. Earn a $50 cash back bonus once you spend $1,000 on purchases within the first 90 days of account opening.Ridgewood Savings Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Earn a $50 cash back bonus once you spend $1,000 on purchases within the first 90 days of account opening.”Ridgewood Savings Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
