Mastercard Business Platinum® — Ridgewood Savings Bank is a business credit card from Ridgewood Savings Bank. The annual fee is $0. The ongoing APR is 12.74% to 20.74% variable APR based on WSJ Prime Rate and creditworthiness (as of 9/25/26) after a 0% intro APR for 12 months on balance transfers (completed within 60 days of account opening); 0% intro APR for 6 months on purchases introductory rate. Rewards: No rewards listed (comparison table shows N/A for Platinum). Loan terms: Revolving business credit card; due date at least 25 days after the close of each billing cycle; no interest if the entire balance is paid by the due date. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).