Consumer Credit Cards

Redwood Capital Bank makes it easy to choose the credit card that is right for you. You can choose from Mastercard® or Visa® - Low Rate or Preferred Points Rewards. It is the only card you need for everything you need to do. World Card is available to all applicants for Mastercard®.


Consumer Benefit Mastercard World Matercard Platnum Visa Platnum
Preferred Point Rewards Included Optional Optional
Mobile Payments
Airport Concierge  
Rental Car Insurance
Identity Theft Protection  
Global Service  
Cell Telephone Protection    
Travel & Lifestyle Services    
One Fine Stay    
Postmates    
ShopRunner    

Preferred Points Rewards – Earn one point for each dollar spent up to 10,000 points per month. Redeem anytime for a wide variety of options including cash back, travel, merchandise, retail gift cards and much more.

Mobile Payments – Use your compatible Apple or Samsung device to shop and check out wherever mobile payment logos are displayed. All Mastercard® and Visa® consumer cards can now be easily linked to an Apple or Samsung device to pay at retailers everywhere.

Airport Concierge – Enjoy savings on Airport Meet and Greet Services. Arrange for a dedicated Meet and Greet Agent at over 700 airport destinations worldwide. Certain airports include expedited security and immigration services.

Rental Car Insurance – Pays for covered damages (physical damage and theft) to a rental vehicle when your eligible card is used to initiate and pay for the entire rental transaction.

Identity Theft Protection – Be protected with ID Theft Resolution Services including online identity monitoring, resolution services, credit bureau monitoring and more.

Global Service – Provides 24-hour global assistance with lost or stolen card replacement and emergency cash. Toll-free numbers for assistance can be found at www.mastercard.com or by calling (636) 722-7111.

Cell Phone Protection – Cell phone coverage for your personal cell against damage or theft provided that you charge your monthly cellular wireless bill to your credit card.

Travel & Lifestyle Services – Access to a suite of benefits, amenities and upgrades, including premium travel offers from best-in-class travel companies. Whether you are planning a last minute vacation, or your dream getaway, a lifestyle manager will assist you at your convenience 24 hours a day. Plus, take advantage of Mastercard’s® lowest hotel rate guarantee and hotel stay guarantee.

One Fine Stay – Access to over 10,000 high-end rental homes around the world stocked with fine linens, towels and toiletries. Receive a discount on all stays, free WiFi and a complimentary cell phone to use during your stay with free data and local calls.

Postmates – Food, drinks and groceries available for delivery or pick-up in over 650 cities across the United States and Mexico. Save time and money shopping.

ShopRunner – Free 2-day online shipping and returns at over 140 stores.

Certain restrictions apply to each benefit listed. Benefits are detailed in the applicable benefits brochure provided with new and reissued credit cards – or call (800) 367-7576.

Account Options

Features

  • No annual fee
  • Competitive ongoing APR¹
  • 25-day interest-free grace period on all purchases – no grace period on cash advances
  • Introductory Rate of 2.9% for the first six months

Benefits

  • 24-hour, toll-free, live customer assistance available at (800) 367-7576
  • Online account information available 24/7 at www.cardaccount.net
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard® benefits
  • Unlike some card offers, the APR¹ for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees

  • Other fees may be charged – these fees are listed on the downloadable application

Features

  • No annual fee
  • Competitive ongoing APR¹
  • 25-day interest-free grace period on all purchases – no grace period on cash advances
  • Introductory Rate of 2.9% for the first six months

Benefits

  • Rental car collision damage waiver protection

Fees

  • Other fees may be charged – these fees are listed on the downloadable application

Features

  • Earn points that you can redeem for rewards – Earn one point for each dollar spent, up to 10,000 points per month.
  • Introductory Rate of 2.9% for the first six months
  • Competitive ongoing APR¹
  • No annual fee
  • 25-day interest-free grace period on all purchases – no grace period on cash advances
  • To view or redeem rewards points, visit www.mypreferredpoints.com or call (866) 678-5191.
  • Cash advances can be made for up to 50% of the credit line.

Benefits

  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • 24-hour, toll-free, live customer assistance available at (800) 367-7576
  • Online account information available 24/7 at www.cardaccount.net
  • Rental car collision damage waiver protection and a host of extraordinary benefits
  • Unlike some card offers, the APR¹ for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees

  • Other fees may be charged – these fees are listed on the downloadable application

Features

  • Earn points that you can redeem for rewards – Earn one point for each dollar spent, up to 10,000 points per month.
  • Introductory Rate of 2.9% for the first six months
  • Competitive ongoing APR¹
  • No annual fee
  •  25-day interest-free grace period on all purchases – no grace period on cash advances
  • To view or redeem rewards points, visit www.mypreferredpoints.com or call (866) 678-5191.
  • Cash advances can be made for up to 50% of the credit line.

Benefits

  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • 24-hour, toll-free, live customer assistance available at (800) 367-7576
  • Online account information available 24/7 at www.cardaccount.net
  • Rental car collision damage waiver protection and a host of extraordinary Mastercard® benefits
  • Unlike some card offers, the APR¹ for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees

  • Other fees may be charged – these fees are listed on the downloadable application

Available to all applicants for Mastercard®

Features
  • No annual fee
  • Competitive ongoing APR¹
  • 25-day interest-free grace period on all purchases – no grace period on cash advances
  • Introductory Rate of 2.9% for the first six months

Benefits

  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • 24-hour, toll-free, live customer assistance available at (800) 367-7576
  • Online account information available 24/7 at www.cardaccount.net
  • Rental car collision damage waiver protection and a host of extraordinary Mastercard® benefits
  • Unlike some card offers, the APR¹ for purchases and cash advances is the same. We do not charge a higher rate for cash advances.
  • Concierge services

Extraordinary Benefits with Mastercard® including:

  • Concierge Service²
  • Price Protection
  • Baggage Delay Insurance
  • Car Rental Collision Damage Waiver Insurance
  • Extended Warranty
  • Travel Assistance
  • Roadside Assistance
  • Purchase Assurance
  • Travel Accident Insurance (Certain restrictions apply detailed in the applicable benefits brochure received with new credit card.)

Fees

  • Other fees may be charged – these fees are listed on the downloadable application

To Apply Now

  • Download the PDF application
  • NOTE: Application is titled “Mastercard®”. If you want a Visa® card, you must check the box marked “Visa®” on the application.
  • Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a pen with blue or black ink.
  • Paper applications are also available at any of our four branch locations in Eureka, Fortuna, Arcata and Henderson Center.
  • Fax your completed application to the Card Service Center at (877) 809-9162 or mail completed application to:
    Card Service Center
    P.O. Box 569120
    Dallas, Texas 75356-9120

¹ Please see application for information about current APR’s and fees

After the introductory rate, the Annual percentage Rate (APR) will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted at least 70% of the ten largest U.S. banks) published in the wall Street Journal. The Index will be adjusted on the 25 th day of each month or the business day preceeding the 25 th day if that falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the account. The account will never have an APR over 21%.

Online account access and management available at www.cardaccount.net

To view or redeem rewards points, visit: www.mypreferredpoints.com or call (866) 678-5191.

Fees for all card products:

  • Late Fee - $25.00
  • NSF Fee $25.00
  • Cash Advance and Balance Transfer – 3% of the cash advance or balance transfer amount, subject to a minimum fee of $10.00.
  • International Transaction Fee – 2% of the U.S. dollar amount of the transaction converted from foreign currency.
  • Cardholder Customer Service – (800) 367-7576

For further information, or current interest rates, please call or visit any of our four convenient locations.