Ruth Cherner, who was long active in numerous philanthropic and social causes, died Saturday at George Washington University Hospital after suffering a heart attack. She was 75.

Mrs. Cherner was the widow of Joesph Cherne, founder of Cherner Chevrolet, Shirlington Shopping Center and a man long active in Washington financial circles and various civic and Jewish charities.

Mrs. Cherner, who was a native of Wilkes Barre, Pa., served a term as national chairman of the State of Israel Bonds drive, and was at one time Washington chairman of the Women's Division of the United Jewish Appeal.

The founder of the Ruth Cherner Kindergarten, in Arad, Israel, and the Joseph Cherner Youth Center, in Tel Aviv-Yaffo, Israel, Mrs. Cherner was honored by the National Jewish Fund on its 75th anniversary.

She was actively involved in many organizations, including Hadassah, the Organization for Rehabilitation through Training, the Weirman Institute, Hebrew, Brandeis and Yeshiva Universities and various Jewish fund-raising organizations.

She is survived by four daughters, Teddy Flocks, of Washington, Nadine C. Zamichow, of New York City, Rickey Shulman, of Chevy Chase, Md. and Margery C. Dignan, of East Hampton, N.Y.; and 12 grandchildren.

The family suggests that expressions of sympathy be in the form of contributions to the United Jewish Appeal's Israel Education Fund or the Ruth Cherner Kindergarten, in Israel.