Last Updated: 07/28/2025
Redwood Capital Bank Consumer World Mastercard®
Unaffiliated
in Credit Cards from Redwood Capital Bank
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
15.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
15.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Redwood Capital Bank Consumer World Mastercard® Review
This is a rewards card issued by Redwood Capital Bank. If you're wondering whether Redwood Capital Bank Consumer World Mastercard® is the right card for you, read on.
Key Takeaways
- APRs: Redwood Capital Bank Consumer World Mastercard® has a variable regular purchase APR of 15.49%
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. Redwood Capital Bank Consumer World Mastercard® charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2% every time you make a transaction outside the U.S.
- Accepts cosigners. Redwood Capital Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, price protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
Pros & Cons of Redwood Capital Bank Consumer World Mastercard®
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Redwood Capital Bank Consumer World Mastercard® FAQ
Does Redwood Capital Bank Consumer World Mastercard® have a cash back or rewards program?
Redwood Capital Bank Consumer World Mastercard® is a rewards card.
| Description |
Does Redwood Capital Bank Consumer World Mastercard® have a signup bonus?
This card doesn't offer a cash signup bonus.Does Redwood Capital Bank Consumer World Mastercard® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Redwood Capital Bank Consumer World Mastercard® benefits?
Redwood Capital Bank Consumer World Mastercard® provides the following benefits:
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Redwood Capital Bank Consumer World Mastercard®?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Redwood Capital Bank Consumer World Mastercard® has a variable purchase APR of 15.49%. The card has a variable balance transfer APR of 15.49% . It also has a variable cash advance APR of 15.49% .
Note that late payments are subject to an APR of 19.49% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Redwood Capital Bank Consumer World Mastercard® have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 2.9% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 15.49% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 2.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | Starting at 15.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Intro Period | 180 days | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Redwood Capital Bank Consumer World Mastercard® have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 2.90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 2.90% on qualified purchases for a period of 6 months.
What are the fees for Redwood Capital Bank Consumer World Mastercard®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
There is a late fee starting at $25. Does Redwood Capital Bank Consumer World Mastercard® have a foreign transaction fee?
Redwood Capital Bank Consumer World Mastercard® charges a foreign transaction fee of up to 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Redwood Capital Bank Consumer World Mastercard®?
The customer service number for Redwood Capital Bank Consumer World Mastercard® is (707) 444-9800.
What is the support contact email for Redwood Capital Bank Consumer World Mastercard®?
The support contact email for Redwood Capital Bank Consumer World Mastercard® is inquiries@redwoodcapitalbank.com.
What is the login page for Redwood Capital Bank Consumer World Mastercard®?
You can access the login page of Redwood Capital Bank Consumer World Mastercard® here.
How do people rate the customer service and user experience of Redwood Capital Bank Consumer World Mastercard®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Redwood Capital Bank Consumer World Mastercard® report your account activity to credit bureaus?
Yes, Redwood Capital Bank Consumer World Mastercard® reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Redwood Capital Bank perform a hard credit pull?
Yes, Redwood Capital Bank Consumer World Mastercard® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Redwood Capital Bank Consumer World Mastercard®
- Visit the website of Redwood Capital Bank Consumer World Mastercard®.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Hours of Operation
Sunday
12:00AM - 12:00AM
Monday
9:00AM - 5:00AM
Tuesday
9:00AM - 5:00AM
Wednesday
9:00AM - 5:00AM
Thursday
9:00AM - 5:00AM
Friday
9:00AM - 6:00AM
Saturday
12:00AM - 12:00AM