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.

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.

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%.

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)

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.