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The NEPGA MasterCard® from Avidia Bank

  • Earn 1.5 points per dollar spent for all purchases**
  • No cap on points earned
  • No annual fee
  • No balance transfer fee
  • Redeem for merchandise, cash and gift cards
  • % of each purchase is donated to the
    NEPGA foundation

For complete details, click for personal credit card and business credit card

Now you can get the card that's just right for you–right from Avidia Bank. You'll enjoy very competitive rates and personalized local service, all while supporting the NEPGA.
For more information, view our list of frequently asked questions.

Learn what the NEPGA MasterCard can do for you

**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.

Frequently Asked Questions

In 2015, Avidia Bank began working with the NEPGA section to bring you a menu of financial products to help you grow both personally and professionally. The MasterCard banking site dedicated to the NEPGA will allow you to access your account information, manage rewards points, make payments and do general maintenance.
We have included this Frequently Asked Questions (FAQs) page to address some of the questions we have received regarding our MasterCard and other products. If you have a question that does not appear on this page please send your question to [email protected] or call 978-567-3566.

There are no fees and no cap on points earned. All points accrued and unredeemed through 12/31/2017 will expire 12/31/2020 .Points accrued as of 1/1/2018 will have a 5 year expiration period.
Login to the NEPGA Section Website at, located on homepage and you’ll see an image of the MasterCard. Simply click on it and it will take you to a landing page which describes the card benefits in detail. On the bottom of the landing page, you'll either apply as a Business or a Consumer, which in turn will take you to an application. Please complete all required sections of the application and E-Sign (Electronic Signature) in the space provided. Once complete, it will be securely transmitted to Avidia Bank for processing.
Typically if it is a Consumer Card request you should have an answer within 72 hours, excluding weekends. Responses are delivered via email. The email will either state that you have been approved for the requested amount, approved for a different amount or that your request has been denied. In all cases, your request response will be spelled out as to how to proceed.

If you have applied for the Business Card, it may take additional time for us to verify information regarding your business in addition to requiring and vetting supporting documents to assist in the decision making process. It's important that we know the structure of your business, e.g., Sole Proprietorship, Partnership, LLC, S or C Corp.
Typically, 7-10 business days. When you receive it please call the activation number attached to your new NEPGA MasterCard.
Depending upon the circumstances surrounding the reason for the denial of your request we may reconsider a future request if you have addressed the reasons for your initial denial.

We are here to assist you, we may be able to make some recommendations to you to put yourself in a position to be reconsidered.
Provide for us the requested information, Name, SS# and DOB, this will transmit to Avidia secure and encrypted.

You may be asked a series of security questions such as a former address where you may have lived. This type of security is becoming more commonplace with the rise in identity theft and fraud and is intended to protect the integrity of the application process.
For both Business and Consumer card requests, your FICO credit score as determined by one of three (3) credit agencies will factor in the rate you are offered. Additionally, other factors are used in determining what rate you may qualify for such as Debt to Income Ratio, Length of Employment and /or factors surrounding your Business if you are a business owner. In all cases the FICO credit score is heavily weighted on the rate determined.

Please note that the rate determined on your request will also be the prevailing rate used for any balance transfers you wish to perform. Please refer to the current rates offered per your approved request.