Avidia Bank Mastercard Platinum
Your Avidia Bank Mastercard Platinum will be in one of three tiers. In all three tiers, you’ll receive two rewards points for every dollar spent on eligible purchases.* You can then redeem those points for things like travel, merchandise, music downloads, gift cards and cash back.

Rates
Mastercard Platinum Tier 1 | Mastercard Platinum Tier 2 | Mastercard Platinum Tier 3 | |
---|---|---|---|
Annual Percentage Rate (APR) for all advances | 3.9% for 6 months and then 9.4% (This will vary with the market based on the Prime Rate) | 10.04%+ (This will vary with the market based on the Prime Rate) | 17.90% |
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.
Fees
Mastercard Platinum Tier 1 | Mastercard Platinum Tier 2 | Mastercard Platinum Tier 3 | |
---|---|---|---|
Annual Fee | None | None | $25 |
Overdraft Transfer | $10 | $10 | $10 |
Cash Advance | $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 | None | None | None |
Over-limit | None | None | None |
Foreign Transaction | None | None | None |
Late Payment | $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 | $20 | $20 | $20 |
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.
How we’ll calculate your balance.
We use a method called average daily balance (including new purchases).
The above information is accurate as of 09/15/2021. 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.