Platinum Rewards Visa@ Credit CardRoyal Credit Union · state credit union, MN · NCUA 66834
CurrentLast observed Oct 14, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer website
Purchase APR
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Balance transfer
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Cash advance APR
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Foreign fee
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Grace period
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Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | — | no source read | |
| APR for balance transfers | — | no source read | |
| APR for cash advances | — | no source read | |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | No annual feeROYAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “No annual fee”ROYAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | |||
| Cash advance | 3% of the amount, minimum $10, maximum $75, There are no annual fees and no balance transfer fees. However, the cash advance fee is 3% of the transaction amount with a $10 minimum and $75 maximum, and the foreign transaction fee is up to 2%.ROYAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “There are no annual fees and no balance transfer fees. However, the cash advance fee is 3% of the transaction amount with a $10 minimum and $75 maximum, and the foreign transaction fee is up to 2%.”ROYAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Balance transfer | $0, The Royal Platinum Rewards Visa® credit card offers no-fee balance transfers at any time!ROYAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “The Royal Platinum Rewards Visa® credit card offers no-fee balance transfers at any time!”ROYAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Foreign transaction | — | no source read | |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |
| Purchase rewardsNot disclosed | 1 point per $1. See source conditions for eligible purchases.ROYAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “at no extra cost to cardholders. You earn one reward point for every dollar you spend on purchases, with no annual limit on the number of points you can earn. Points can be redeemed for travel, gift cards, statement credits, merchandise, and more. Balance transfers, cash advances, and card fees do not earn reward points.”ROYAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards conditionsPurchase rewards | Point posting timing is not disclosed. Point expiration is not disclosed. Redemption options: travel, gift cards, statement credits, merchandise. at no extra cost to cardholders. You earn one reward point for every dollar you spend on purchases, with no annual limit on the number of points you can earn. Points can be redeemed for travel, gift cards, statement credits, merchandise, and more. Balance transfers, cash advances, and card fees do not earn reward points.ROYAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “at no extra cost to cardholders. You earn one reward point for every dollar you spend on purchases, with no annual limit on the number of points you can earn. Points can be redeemed for travel, gift cards, statement credits, merchandise, and more. Balance transfers, cash advances, and card fees do not earn reward points.”ROYAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |