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Avidia Bank NEPGA Mastercard

For scratch golfers or mini golfers, the NEPGA Mastercard is a feel-good way to give back. A portion of every purchase made with this credit card is donated to PGA REACH New England, which connects kids, military members and diverse populations to golf and PGA professionals. So, when you shop, dine or play a round, you know you’re making a difference.

Rewards, bonuses and general goodness.

Rewards, bonuses and general goodness.

On your first purchase, you’ll receive 16,000 rewards points. After that, you earn three points for every dollar spent,* and there’s no cap on how many points you can earn. Redeem your points for merch, cash, gift cards and even PGA Tour offers and experiences.

Rates and Fees

World EliteMastercard Platinum Tier 1 Mastercard Platinum Tier 2 Mastercard Platinum Tier 3
Annual Percentage Rate (APR) for all advances**8.99%+3.90% introductory six-month rate then 9.15%10.15%17.90%
Annual FeeNone NoneNone$25
Overdraft Transfer Fee$10$10$10$10
Cash Advance Fee4% of cash advance amount with a minimum of $5 $5 or 4% of each cash advance (whichever is greater) $5 or 4% of each cash advance (whichever is greater)$5 or 4% of each cash advance (whichever is greater)
Balance Transfer FeeNoneNoneNoneNone
Over-limit Fee None NoneNoneNone
Foreign Transaction Fee NoneNoneNoneNone
Late Payment Fee$10 or 10% of the outstanding balance of your account (whichever is less)$10 or 10% of the outstanding balance of your account (whichever is less) $10 or 10% of the outstanding balance of your account (whichever is less) $10 or 10% of the outstanding balance of your account (whichever is less)
Returned Payment Fee $20$20$20$20

To get your own NEPGA Mastercard, visit one of our branches or click the button just below.

Apply Online

Avoid paying interest on purchases.

Avoid paying interest on purchases.

We won’t charge you interest on purchases 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.

Tips from the Consumer Financial Protection Bureau.

Tips from the Consumer Financial Protection Bureau.

Click here for more information on things to consider when applying for or using a credit card.

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

The above information is accurate as of 9/15/2021. 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.

*Transactions excluded from point calculation include cash advances, ATM withdrawals, convenience checks and balance transfers, any fees and card-related charges posted to a card account, tax payments or any unauthorized charges or transactions. Avidia Bank is not affiliated with any retailer participating in the bonus point program. Avidia Bank reserves the right to change the program at any time. For complete terms and conditions for Avidia Rewards, visit our rewards page.
**The type of Mastercard for which we approve you will be based on your creditworthiness and other factors.
^This includes purchases, cash advances and balance transfers.
+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.