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 Mastercard Platinum 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 1/2/25 is 13.24% to 21.24%. 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 Mastercard Platinum Intro APR Offer on Purchases: The Introductory APR for purchases is 0% for 6 months, followed by a variable APR that is based on the WSJ Prime Rate and your creditworthiness. The rate as of 1/2/25 is 13.24% to 21.24%. 

³ Mastercard Platinum Rewards 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 1/2/25 is 17.24% - 23.24%. 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 Mastercard Platinum Rewards Bonus Offer: A cash back Bonus will be awarded as a direct deposit or a statement credit. To earn Bonus, you must complete $1,000 in purchases with your Mastercard Platinum Rewards 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 $1,000 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 Mastercard World Bonus Offer: A cash back Bonus will be awarded as a direct deposit or a 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 and offers are subject to change or termination without notice. 

⁶ 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 Mastercard Platinum, Mastercard Platinum Rewards, and Mastercard World) 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.

† For World cardholders only.

†† 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.

****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.

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

Apple Store® is a service mark of Apple Inc.

Google Play and the Google Play logo are trademarks of Google LLC.