Platinum Rewards Visa® Credit Card
Our credit card has one low rate for everyone and no-fee balance transfers at any time
Call us at 800-341-9911 or visit an office
Why Choose Royal's Credit Card
- Pay anywhere with Visa® and earn uChoose Rewards® on every purchase.
- Add your card to digital wallets like Apple Pay™ and Google Pay™.
- No annual fees and no balance transfer fees.
- Responsible credit card use can help build your credit score.
The Royal Platinum Rewards Visa® credit card offers no-fee balance transfers at any time!
A Smarter Way To Spend
- Earn points on purchases with uChoose Rewards®
- No annual fee
- No balance transfer fee
- 2% or $25 minimum monthly payment
Credit Card Benefits
- Extended warranty protection** and purchase security**
- Travel and emergency assistance services^
- Roadside dispatch®^
- The Royal Credit Union Platinum Rewards Visa® card includes ID Navigator Powered by NortonLifeLock, providing tools so cardholders can act quickly if their identity is threatened
Free Tech Features
- Apple Pay®, Google Play™, and Samsung Pay™ compatible*
- Easier online ordering with Visa Secure Remote Commerce
- Free online banking and mobile app
Frequently Asked Questions
What is Royal’s Platinum Rewards Visa® Credit Card?
The Platinum Rewards Visa® Credit Card is a credit card designed for simplicity and value. The credit card has one low rate for everyone that qualifies! There are no confusing rate tiers and you earn rewards on every purchase. You can use it anywhere Visa is accepted.
Does Royal’s credit card offer rewards?
Yes! Royal’s Platinum Rewards Visa® Credit Card includes the uChoose Rewards® program at no extra cost to cardholders. You earn one reward point for every dollar you spend on purchases, with no annual limit on the number of points you can earn. Points can be redeemed for travel, gift cards, statement credits, merchandise, and more. Balance transfers, cash advances, and card fees do not earn reward points.
Are there any fees for Royal’s Platinum Rewards Visa® Credit Card?
There are no annual fees and no balance transfer fees. However, the cash advance fee is 3% of the transaction amount with a $10 minimum and $75 maximum, and the foreign transaction fee is up to 2%.
Can I transfer a balance from a different credit card to Royal’s Platinum Rewards Visa® Credit Card?
Yes! A balance transfer moves the amount you owe on another credit card to your Royal credit card so you can take advantage of Royal’s competitive interest rate. This can help you pay less interest over time, especially if:
- You have a store credit card with an outstanding balance (in-store credit cards can have the highest interest rates)
- You’re juggling multiple credit card payments each month (you can transfer both to Royal for one consolidated payment)
What protection and security benefits come with Royal’s Platinum Rewards Visa® Credit Card?
The card comes with several valuable protection features. Credit card benefits include extended warranty protection and purchase security**, travel and emergency assistance services^, and Roadside Dispatch^. It also includes ID Navigator Powered by NortonLifeLock, providing tools to help protect cardholders against identity theft.
How To Get Started
There are two easy ways to apply for a Royal Credit Union credit card!
Apply Online Now
Complete our easy online application and get a decision fast.
Visit An Office
Instead of applying online, schedule an appointment at an office to apply.
Need Help?
If you have questions or need help, call our lending team at 800-341-9911 or visit our contact page.
