Who says you have to give up personal service to get a great rate on a credit card? With a NEPGA Mastercard® credit card from Avidia Bank, you can enjoy highly competitive rates with first class customer service. Plus, there are no balance transfer fees. So move those high rate balances from that “other” bank credit card at no additional cost.

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World Elite
Annual Percentage Rate
(APR) for All Advances
(Purchases, Cash Advances,
and Balance Transfers)


This rate will vary with the
market based on the Prime
Rate †

Introduction Rate


For 6 months, then


This rate will vary with the market based on the Prime Rate.


This rate will vary with the market based on the Prime Rate

How to avoid paying Interest on Purchases We will not charge you interest on purchases itemized on your monthly statement if the balance on your entire account at the beginning of the billing cycle was zero or if the payments and credits received during the billing cycle equal or exceed that balance.
For Credit Card Tips from the Consumer Financial Protection Bureau. To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at


World Elite
Annual Fee None None None $25
Transaction Fees
Overdraft Transfer
Cash Advance
Balance Transfer
Over-limit Fee
Foreign Transaction

$5 or 4% of each cash advance, whichever is greater
$5 or 4% of each cash advance, whichever is greater
1% of each transaction in U.S. dollars
Penalty Fees
Late Payment
Returned Payment

$10 or 10% of the outstanding balance of your account, whichever is less

All of our credit cards come with the following services:

Online Credit Card Management

With full online access to your Avidia Bank MasterCard information, you can:

  • Check balances

  • Check your account activity

  • See your available credit

  • Make a payment by transferring funds from any of your Avidia deposit accounts

  • Manage your rewards points account

To access these great credit card features sign up for Avidia Internet Banking. It's free, easy and convenient!

Avidia Rewards+

Earn rewards points with every purchase! Visit our Avidia Rewards+ page to learn more.

Overdraft Option

Avidia Bank customers can link their Avidia Bank MasterCard to their Avidia Checking account. In the event of an overdraft, a transfer will be made from your credit card to your checking account automatically.

To add the Overdraft Transfer option to your MasterCard account, please fill out the overdraft transfer form and mail to Avidia Bank or drop it off at any branch location.

Digital Wallet

All Avidia MasterCard Credit Cards are available for use with ApplePay ® as well as Samsung Pay ® & Android Pay ®. Add your Avidia MasterCard Credit Card to your smartphone’s wallet for easier and safer check out!

The current Prime Rate is 3.25%. The Prime Rate used to determine your APR is the rate published in the "Money Rates" section of the Wall Street Journal on the first day of each month and will take effect on the first day of the following month.

* The type of MasterCard for which we approve you will be based on your creditworthiness and other factors.

You can apply for an Avidia Bank Credit Card in one of three ways:

  • At any of our offices

  • Online

Apply Now

To report a lost or stolen credit card please call: (888) 347-6148

To inquire about a credit card alert you have received please call: 855-961-1602

Credit card fraud alerts FAQ

How we will calculate your balance:

We use a method called "average daily balance (including new purchases)."

The above information is accurate as of March 16, 2020. The information is subject to change at any time. You may call (800) 508-2265 for any changes to this information since the date of printing.

Please read our Credit Card Terms and Conditions as well as the MasterCard Guide to Benefits for Credit Cardholders