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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…","recordId":"official-issuer:page:url:1beb213422315ea4a25a87b2b99265e9ca114ae74f4f6237e4d940740869065a","recordFields":[],"fieldKey":"fee:cash_advance:1"}],"feeType":"cash_advance","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":1000,"amountNullReason":null,"percentBps":400,"percentNullReason":null,"minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"greater_of","explanation":" 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."},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T06:22:40.422Z","sources":[{"snapshotId":"52235","sourceKind":"official_issuer","publisherName":"Ridgewood Savings Bank","capturedAt":"2026-10-14T06:22:40.422Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.ridgewoodbank.com/home/personal/cardpromotion","passageId":"c2299b4d14635345ffaa4a8194f3d46c","pageNumber":null,"quote":"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…","recordId":"official-issuer:page:url:1beb213422315ea4a25a87b2b99265e9ca114ae74f4f6237e4d940740869065a","recordFields":[],"fieldKey":"fee:foreign_transaction:1"}],"feeType":"foreign_transaction","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_applicable","percentBps":150,"percentNullReason":null,"minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"percent_only","explanation":" 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."},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T06:22:40.422Z","sources":[{"snapshotId":"52235","sourceKind":"official_issuer","publisherName":"Ridgewood Savings Bank","capturedAt":"2026-10-14T06:22:40.422Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.ridgewoodbank.com/home/personal/cardpromotion","passageId":"c2299b4d14635345ffaa4a8194f3d46c","pageNumber":null,"quote":"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…","recordId":"official-issuer:page:url:1beb213422315ea4a25a87b2b99265e9ca114ae74f4f6237e4d940740869065a","recordFields":[],"fieldKey":"fee:late_payment:1"}],"feeType":"late_payment","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_disclosed","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":3500,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":" 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."},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T06:22:40.422Z","sources":[{"snapshotId":"52235","sourceKind":"official_issuer","publisherName":"Ridgewood Savings Bank","capturedAt":"2026-10-14T06:22:40.422Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.ridgewoodbank.com/home/personal/cardpromotion","passageId":"c2299b4d14635345ffaa4a8194f3d46c","pageNumber":null,"quote":"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. 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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."}],"cardTerms":null,"partialCardMinimumFinanceCharge":{"minimumFinanceChargeCents":100,"currencyCode":"USD","sources":[{"snapshotId":"52235","sourceKind":"official_issuer","publisherName":"Ridgewood Savings Bank","capturedAt":"2026-10-14T06:22:40.422Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.ridgewoodbank.com/home/personal/cardpromotion","passageId":"c2299b4d14635345ffaa4a8194f3d46c","pageNumber":null,"quote":"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. 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