Credit Cards

Perfect plastic

Spend smart with some of the best rates around. Check out the Royal Credit Union Platinum Rewards Visa® Credit Card.

Ridiculously Good Rate
rate icon

9.50% APR*

plus icon
  • No-fee balance transfers
  • No annual fee
  • Fraud protection
  • Local application, local approvals
  • Apple PayTM compatible!***
  • Google PayTM compatible!****
  • Samsung PayTM compatible!*****
Applying for a No-fee Balance Transfer: How-Tos

Current Members

It's easy!

  • Log in to online banking via the home page.
  • Click on Additional Services, then Balance Transfer.

New to Royal?

  • Apply Here
  • Once you apply, a Royal Credit Union Team Member will contact you. 
  • Just let us know you'd like to transfer for your credit card balances to your new Royal Visa.
  • You're also welcome to contact us.
Other Freebies
  • Emergency card or cash disbursement
  • Auto rental collision damage waiver
  • Warranty manager
  • Purchase security
  • Travel and emergency assistance
  • Roadside dispatch service
  • Personal identity theft coverage
  • Online purchase protection with Verified by Visa
Lost or Stolen Card?
old phone icon

After hours, call:

ATM/Debit Cards:

Credit Cards:

Pay Online Quickly & Easily
computer screen icon

Need to make a payment sans the mail or office visit? No problem! We've got options:

  • Log on to personal or business online banking (or mobile app) and use the Transfer option to transfer from your Royal account.
  • If you need to pay from another financial, click on the Credit Card menu in personal online banking or the credit card in business online banking.
Pay by Mail
mail icon

Royal Credit Union • PO Box 970 • Eau Claire, WI 54702-0970
Allow time for mail delivery

uChoose Rewards®
star icon

Earn points redeemable for concert tickets, a new HDTV, a fun-filled cruise, Royal Credit Union Visa® Prepaid Card, and millions of other exciting options!

Redeem Points: 
Royal Credit Union Members can redeem points inside business, personal or mobile online banking by selecting Credit Card, uChoose Rewards. Or you can simply call 855-653-5044. 

Traveling Soon?
air travel icon

Are you traveling soon?  Please notify us of your travel plans at least one business day prior to leaving.  You can notify us by calling Member Service, visiting an office, or within Additional Services in Online Banking.

See More Details

The Fine Print
Fine Print

*APR is Annual Percentage Rate. APR is variable and may be adjusted quarterly based on Prime rate. Cash advance fee is 3% of transaction amount with $10 minimum, $75 maximum; foreign transaction fee is up to 2%. No annual fee. Funds federally insured by NCUA. 

***Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trade mark of Apple Inc.

****Google Pay is a trademark of Google LLC.

*****Available on Galaxy S6, Galaxy S7, Galaxy Note5 and other  select Samsung devices, most major carriers and supported cards. See for complete  list and contact your bank or financial institution to verify supported cards.

View our disclosures and service fees.

Terms & Conditions
Terms and Conditions

APR for Cash Advances: 9.50%

This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies: 18%

If your APRs are increased for this reason, the penalty APR will apply until you make six consecutive minimum payments when due.

  1. Make a late payment;
  2. Go over your credit limit; or
  3. Make a payment that is returned.

How long will the penalty APR apply?

This APR may be applied to your account if your account is not current for two months.

Paying Interest:

Your due date is at least 26 days after the close of each billing cycle. We will begin charging interest on credit purchases you obtain through the use of your card which have not been paid by the due date shown on the statement on which the transaction is detailed. Cash advance and balance transfer finance charges accrue on the outstanding daily balance from the date of the advance or transfer, through the date paid.

Minimum Interest Charge:

If you are charged interest, the charge will be no less than $0.50.

For Credit Card Tips from the Consumer Financial Protection Bureau

Learn more about factors to consider when applying for or using a credit card. Visit the website of the Consumer Financial Protection Bureau.


Annual Fees:


Transaction Fees:

Cash Advances - Either $10.00 or 3% of the amount of each advance, whichever is greater (maximum fee: $75.00)

Foreign Transactions - 2% of each transaction

Penalty Fees:

Late Payment - Up to 35.00

Returned Payment - Up to $35.00

Balance Calculation:

We use a method called “average daily balance (including new purchases).” See your account agreement for more details.

Billing Rights:

Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

How we will calculate your variable APRs:

We calculate variable APRs by adding a margin to the highest U.S. Prime Rate published in the Money Rates section of the Wall Street Journal two business days (not weekend or federal holidays) before the closing date shown on your billing statement. The APR may increase or decrease each month if the Prime Rate changes. Any new rate will be applied as of the first day of your billing cycle during which the Prime Rate has changed. If the APR increases, you will pay a higher interest charge and may pay a higher minimum payment. The Prime Rate is simply a reference index and is not the lowest interest rate available. If the Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate.

Prime Rate:

Variable APRs are based on the 5.00% Prime Rate as of 9/19/19.