Royal Member holding a credit card

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

Get one of the best interest rates around with our Platinum Rewards Visa® Credit Card.

Our credit card has one low rate for everyone that qualifies! There are no confusing rate tiers and no need to jump through hoops to get this low rate!

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.
Monthly Payment

The Royal Platinum Rewards Visa® credit card offers no-fee balance transfers at any time!


Credit Card collage image

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

How To Get Started

There are two easy ways to apply for a Royal 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.