What makes this credit card offer different
This credit card offer should be judged by net value after annual fees and required spend, not just the welcome-bonus headline.
Credit Card
Ridgewood Savings Bank World Mastercard Bonus — Up to $500
Sign up for Ridgewood Savings Bank World Mastercard Bonus and earn up to $500 in bonus rewards.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $500 |
Qualifying Period
90 days from account opening
Requirements
- ✓$5,000 in purchases within first 90 days
- ✓Spend $5,000 with World Mastercard in first 90 days
- ✓$5,000 spending within 90 days of account opening (World Mastercard)
- ✓$5,000 in purchases within first 90 days from account opening
- ✓$5,000 in purchases within 90 days of account opening
- ✓$5,000 in purchases within first 90 days of account opening
- ✓Spend $5,000 on purchases within first 90 days of account opening
- ✓$5,000 in qualifying purchases within 90 days of account opening
Restrictions
- ⚠NY & CT residents only
- ⚠New customers only
- ⚠Available in NY and CT only
- ⚠New account required
- ⚠New cardmembers only
- ⚠Available to NY & CT residents
- ⚠Available in NY & CT only
- ⚠Subject to Credit Approval
- ⚠Available to NY & CT residents only
- ⚠Available to NY and CT residents
Fees
- $95 annual fee (premium World card)
- $95 annual fee (waived first year)
- $95 annual fee (waived first year for World Mastercard)
- No foreign transaction fee for World Mastercard
- $0 annual fee first year, then $95
- $95 annual fee (World Mastercard)
- Purchases do NOT include fees, interest charges, balance transfers, cash advances, convenience checks, disputed or unauthorized transactions, traveler's checks, prepaid card purchases, or cash equivalents
- Refunds and credits are excluded from qualifying purchases
- Qualifying purchases exclude fees, interest, balance transfers, cash advances, and similar non-purchase transactions
- Bonus awarded as statement credit or direct deposit
- Annual fee of $95 (waived first year for World Mastercard)
- Qualifying purchases exclude fees, interest, balance transfers, cash advances, convenience checks, disputed/unauthorized transactions, traveler's checks, prepaid cards, and cash equivalents
- Qualifying purchases also exclude refunds and credit adjustments
- Purchases to meet spending requirements do NOT include fees, interest charges, balance transfers, cash advances, convenience checks, disputed/unauthorized transactions, traveler's checks, prepaid card purchases, or cash equivalents
- Qualifying purchases do not include refunds or credit adjustments
- Bonus awarded as statement credit
- Qualifying purchases do not include fees, interest charges, balance transfers, cash advances, convenience checks, disputed or unauthorized purchases, traveler's checks, prepaid card purchases/reloading, or cash equivalents
- Bonus awarded as 50,000 Rewards Points
- Points redeemable for $500 statement credit
- Purchases qualifying for spend requirement do NOT include fees, interest charges, balance transfers, cash advances, convenience checks, disputed/unauthorized purchases, traveler's checks, prepaid card reloading, or cash equivalents
- Qualifying purchases do not include fees, interest charges, balance transfers, cash advances, convenience checks, disputed or unauthorized purchases, purchases of traveler's checks, purchases or reloading of prepaid cards, or purchases of cash equivalents
- Bonus awarded as direct deposit or statement credit
- Qualifying purchases exclude: fees, interest charges, balance transfers, cash advances, convenience checks, disputed or unauthorized transactions, traveler's checks, prepaid card purchases/reloads, cash equivalents, and refunds/credits
- Purchases must exclude fees, interest charges, balance transfers, cash advances, convenience checks, disputed/unauthorized transactions, traveler's checks, prepaid card purchases/reloads, and cash equivalents
Last updated August 12, 2026
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Aug 12, 2026Change detected
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How to evaluate Ridgewood Savings Bank World Mastercard Bonus
Before applying, compare the welcome bonus against the annual fee, minimum spend, rewards currency, and issuer eligibility rules for repeat cardholders.
Qualification checklist
Timing
- Qualifying period
- 90 days from account opening
How to qualify
- $5,000 in purchases within first 90 days
- Spend $5,000 with World Mastercard in first 90 days
- $5,000 spending within 90 days of account opening (World Mastercard)
- $5,000 in purchases within first 90 days from account opening
Common pitfalls
- NY & CT residents only
- New customers only
- Available in NY and CT only
- New account required
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,750 median, so the requirements and any referral or portal stack matter more.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
How long do I have to qualify for Ridgewood Savings Bank World Mastercard Bonus?
The qualifying period listed for Ridgewood Savings Bank World Mastercard Bonus is 90 days from account opening.
