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Credit Cards & Rewards Credit Cards | Royal Credit Union in MN and WI

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 LOGIN

 

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
10.00% APR*

Benefits

 No-fee balance transfers

 No annual fee

 Fraud protection

 Local application, local approvals

 Apple Pay

compatible!***

TM 

 Google Pay

compatible!****

TM 

 Samsung Pay

compatible!*****

TM 

https://www.rcu.org/personal/loans-credit/credit-cards

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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 (https://www.rcu.org/open-account)

 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. (/node/14/)

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?

After hours, call:

ATM/Debit Cards: 

833-231-6514

Credit Cards: 

800-853-0872

https://www.rcu.org/personal/loans-credit/credit-cards

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Pay Online Quickly & Easily

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

Royal Credit Union • PO Box 970 • Eau Claire, WI 54702-0970 

Allow time for mail delivery

uChoose Rewards®

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?

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 (https://www.rcu.org/node/1124)

https://www.rcu.org/personal/loans-credit/credit-cards

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The 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 samsung.com/pay for complete  list and contact your bank or financial institution to verify

supported cards.

View our disclosures (https://www.rcu.org/sites/default/files/Disclosures.pdf) and service fees.

(https://www.rcu.org/webfiles/special.pdf)

Terms & Conditions
APR for Cash Advances: 10.00%

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.

Make a late payment;

Go over your credit limit; or

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

https://www.rcu.org/personal/loans-credit/credit-cards

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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. (https://www.consumerfinance.gov/)

FEES
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

https://www.rcu.org/personal/loans-credit/credit-cards

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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 5.50% Prime Rate as of 12/20/18.

APPLY FOR A NEW CARD OR CREDIT LIMIT INCREASE

(HTTPS://WWW.LOANLINER.COM/LOANREQUEST/CLPPRESENTER/GETTINGSTARTED.ASPX?

CUID=04809906&LOANFORMID=7380695910005124928&CHANNELID=3987423704049170222&LOCATIONID=61

(https://www.rcu.org/personal/loans-credit/emv-chip-credit-and-debit-cards)

Curious about EMV? Find out more. 

https://www.rcu.org/personal/loans-credit/credit-cards

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Credit Cards & Rewards Credit Cards | Royal Credit Union in MN and WI

(https://usa.visa.com/pay-with-visa/featured-technologies/verified-by-visa.html)

(https://usa.visa.com/pay-with-visa/visa-checkout.html?country=US )

Current Rates

https://www.rcu.org/personal/loans-credit/credit-cards

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Credit Cards & Rewards Credit Cards | Royal Credit Union in MN and WI

 MONEY MARKETS

 MORTGAGES

 CERTIFICATES

 CREDIT CARDS

As low as 10.00% APR

 AUTOMOTIVE LOANS

Great rates, no annual fee, and a low transfer rate.









view all news 

 (/royal-news-events-education)


Stillwater 1 year anniversary

EVENT
July 09, 2019

Date: Tuesday,July 9 

Northern Wisconsin State Fair

EVENT
July 10, 2019

Date: July 10 - July 14 

(/event/stillwater-1-year-

anniversary)

(/event/northern-

wisconsin-state-fair)

https://www.rcu.org/personal/loans-credit/credit-cards

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Credit Cards & Rewards Credit Cards | Royal Credit Union in MN and WI

River Falls Days

EVENT
July 11, 2019

Date: Thursday, July 11 - Sunday, July 14 

New Richmond Fun Fest

EVENT
July 11, 2019

Date: Thursday, July 11 – Sunday, July 14 

(/event/river-falls-

days)

(/event/new-richmond-

fun-fest)

ROUTING NUMBER:  291880411

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 CONTACT (/CONTACT)

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







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 800-341-9911 (tel:18003419911)



 Email a Member Service Representative (mailto:member_services@rcu.org?

subject=Web%20Contact%20Form)

Media Contact (/royal-news-events-education/media-contact)

Security and Fraud (/tools-resources/privacy-security) 

Privacy Notice (/privacy-policy) 

Terms of Use (/terms-of-use)

https://www.rcu.org/personal/loans-credit/credit-cards

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Credit Cards & Rewards Credit Cards | Royal Credit Union in MN and WI

Member Service Hours:

Weekdays 8:30 a.m. - 7 p.m. 
Saturdays 8:30 a.m. - 2 p.m.

Mail payments to:

PO Box 970, Eau Claire, WI 54702-0970

(/about-us/royal-gives-

back/community-
development-financial-

institution)

(/about-

us/royal-
gives-

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gives-

back/community-
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Copyright © 2019 Royal Credit Union

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