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®.

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.
  • Competitive annual percentage rate (APR) ˡ

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 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

  • 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

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



APPLY ON-LINE NOW 

Other ways to apply

  • 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

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

²Concierge Services available with World Mastercard only

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.