Perfect plastic

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

Royal Credit Union | Benefits
  • Low, low 8.00% APR*!
  • No annual fee. Bupkus. (That means none. Zilch. $0.)
  • Fraud protection
  • Local application, local approvals
  • No-fee balance transfers. (Yup. Another $0.)
  • Android PayTM compatible!**
  • Apple PayTM compatible!***
  • Samsung PayTM compatible!****
Ridiculously Good Rate
Royal Credit Union | Rates

8.00% APR*

Current Prime Rate: 3.50%

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?
Royal Credit Union | Contact Us

After hours call:

ATM/Check Cards:

Credit Cards:

Pay Online Quickly & Easily
Royal Credit Union | Pay Online

Need to make a payment and don’t want to mail a check or stop in to an office? No problem! We offer a couple options based on which account you'd like to pay from:

  • Log on to personal or business online banking (or one of our cool mobile apps) 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
Royal Credit Union | Pay by Mail

RCU Cardholder Services • PO Box 31021 • Tampa FL 33631-3021
Allow time for mail delivery to Florida

Scorecard Rewards
Royal Credit Union | Scorecard Rewards

Reward yourself with travel, gifts, gadgets, Royal Credit Union Prepaid Visas, and more!

Get Started:
Setup up your username and password.

Browse ScoreCard™ rewards catalog.

Redeem Bonus Points:
Redeem points online.
Call 1-800-854-0790
Download and print Award Order Form to complete and mail. Get the form.

Book Travel:
Book travel online anytime.
Call the ScoreCard™ Travel Center: 1-800-842-3006

Traveling Soon?
Royal Credit Union | Travel

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
Royal Credit Union | Fine Print

Have a credit card dispute? Here's the form.

*APR is Annual Percentage Rate.

**Android and Android Pay are trademarks of Google Inc. The Android Robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.

***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.

****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
Royal Credit Union | Terms and Conditions

Annual Percentage Rate (APR) for Purchases: 8.00% APR

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

APR for Balance Transfers: 2.9%

Promotional 2.9% APR* rate good on qualified transfer balances until December 2017. After that, the standard variable rate will apply, currently at 8.00% APR.**

APR for Cash Advances: 8.00%

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: None

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 3.50% Prime Rate as 1/15/16.