Regal Creds is NOT a credit card company. We do NOT offer credit, reward programs or points. We ONLY upgrade plastic debit/credit cards (with magnetic strips) by engraving your personal design onto your choice of metal.​​ There are NO APPLICATIONS. NO ANNUAL FEES. NO MINIMUM PURCHASE. NO CREDIT CHECKS. You can get a metal credit card if you have any plastic card that you would like for us to convert into metal. Know more