Whether you're looking for cash back promotions, low introductory APRs or travel benefits, Royal Heritage Commercial Bank offers a variety of credit cards to meet your needs.

View the Royal Heritage Commercial Bank Gold Mastercard® credit card Cardmember Agreement

View the Royal Heritage Commercial Bank Cash Rewards Mastercard® credit card Cardmember Agreement

View the Royal Heritage Commercial Bank Platinum Mastercard® with Rewards credit card Cardmember Agreement

View the Royal Heritage Commercial Bank Advance Mastercard® credit card Cardmember Agreement

View the Royal Heritage Commercial Bank Premier World Mastercard® credit card Cardmember Agreement

View the Royal Heritage Commercial Bank Premier World Elite Mastercard® credit card Cardmember Agreement

1.       The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 800.975.Royal Heritage Commercial Bank (4722). The 0% Introductory APR does not apply to cash advances and overdrafts. Balance transfers must be posted within the first 60 days following Account opening. After the Introductory Period, a variable Purchase APR of 14.24%, 20.24% or 25.24%, depending on your creditworthiness, will apply to credit card purchases; and a variable Balance Transfer APR of 14.24%, 20.24% or 25.24%, depending on your creditworthiness, will apply to balance transfers and credit card checks, for the Royal Heritage Commercial Bank Gold Mastercard® credit card. The variable Cash APR applies to cash advances and overdrafts, and is 27.24%. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount (“Spread”) to the Global Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month (“Prime Rate”). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. A Cash Advance Fee of either $10 or 4%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction Fee of either $10 or 4%, whichever is greater, will apply on the overdraft amount, if applicable. There is no Annual Fee or Foreign Transaction Fee. See Summary of Terms for details.

2.       For the first $10,000 in new purchases within the first twelve (12) months from Account opening, you will earn 3 Cash Rewards per dollar. After the first $10,000 in new purchases, or the first year, whichever comes first, you will earn 1.5 Cash Rewards per dollar on all new purchases. Cash Rewards can be redeemed as cash back. Cash Rewards do not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your Royal Heritage Commercial Bank Cash Rewards Mastercard® credit card must be open and in good standing in order to earn Cash Rewards.

3.       The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 800.975.Royal Heritage Commercial Bank (4722). The 0% Introductory APR does not apply to cash advances and overdrafts. Balance transfers must be posted within the first 60 days following Account opening. After the Introductory Period, a variable Purchase APR of 15.24%, 19.24% or 25.24%, depending on your creditworthiness, will apply to credit card purchase balances; and a variable Balance Transfer APR of 15.24%, 19.24% or 25.24%, depending on your creditworthiness, will apply to balance transfers and credit card checks, for the Royal Heritage Commercial Bank Cash Rewards Mastercard® credit card. The variable Cash APR of 27.24% will apply to cash advances and overdrafts. Your APRs may increase to the variable Penalty APR of 32.24% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount (“Spread”) to the Global Prime Rate published in the Money Rates table of The Wall Street Journalthat is in effect on the last day of the month (“Prime Rate”). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. A Cash Advance Fee of either $10 or 4%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction Fee of either $10 or 4%, whichever is greater, will apply on the overdraft amount, if applicable. There is no Annual Fee or Foreign Transaction Fee. See Summary of Terms for details.

4.       For the first $10,000 in new purchases within the first twelve (12) months from Account opening, you will earn three (3) Rewards Program points (“points”) per dollar. After the first $10,000 in new purchases, or the first year, whichever comes first, you will earn one (1) point per dollar on all new purchases. Points do not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your Royal Heritage Commercial Bank Platinum Mastercard® with Rewards credit card must be open and in good standing in order to earn points.

5.       The information about the costs and benefits of the cards described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 800.485.1794. The 0% Introductory APR does not apply to cash advances and overdrafts. Balance transfers must be posted within the first 60 days following Account opening. After the Introductory Period, a variable Purchase APR of 15.24%, 19.24% or 25.24%, depending on your creditworthiness, will apply to credit card purchase balances; and a variable Balance Transfer APR of 15.24%, 19.24% or 25.24%, depending on your creditworthiness, will apply to balance transfers and credit card checks, for the Royal Heritage Commercial Bank Platinum Mastercard® with Rewards credit card. The variable Cash APR of 27.24% will apply to cash advances and overdrafts. Your APRs may increase to the variable Penalty APR of 32.24% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount ("Spread") to the Global Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month ("Prime Rate"). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. A Cash Advance Fee of either $10 or 4%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction Fee of either $10 or 4%, whichever is greater, will apply on the overdraft amount, if applicable. There is no Annual Fee or Foreign Transaction Fee. See Summary of Terms for details.

6.       For the first $25,000 in new purchases within the first twelve (12) months from Account opening, you will earn three (3) Rewards Program points (“points”) per dollar on dining and select entertainment purchases, and two (2) points per dollar on all other purchases. After the first $25,000 in new purchases, or the first year, whichever comes first, you will earn two (2) points per dollar on dining and entertainment purchases, and one (1) point per dollar on all other purchases. Points do not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your Royal Heritage Commercial Bank Advance Mastercard® credit card must be open and in good standing in order to earn points.

7.       The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call info@royalheritagecommercial.com. The 0% Introductory APR does not apply to cash advances and overdrafts. Balance transfers must be posted within the first 60 days following Account opening. After the Introductory Period, a variable Purchase APR of 17.24% or 21.24%, depending on your creditworthiness, will apply to credit card purchases; and a variable Balance Transfer APR of 17.24% or 21.24%, depending on your creditworthiness, will apply to balance transfers and credit card checks, for the Royal Heritage Commercial Bank Advance Mastercard® credit card. The variable Cash APR applies to cash advances and overdrafts, and is 27.24%. Your APRs may increase to the variable Penalty APR of 32.24% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount (“Spread”) to the Global Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month (“Prime Rate”). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A Balance Transfer Fee of either $10 or 3%, whichever is greater, will apply on each balance transfer and credit card check. A Cash Advance Fee of either $10 or 3%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction Fee of either $10 or 3%, whichever is greater, will apply on the overdraft amount, if applicable. There is no Foreign Transaction Fee. A $0 Annual Fee will apply for Royal Heritage Commercial Bank Advance Mastercard® credit card Account customers who have a qualifying Global Royal Heritage Commercial Bank Advance¹³ or Global Royal Heritage Commercial Bank Premier¹⁴ checking account relationship. A $45 Annual Fee will apply for Royal Heritage Commercial Bank Advance Mastercard® credit card Account customers who no longer have a qualifying Global Royal Heritage Commercial Bank Advance¹³ or Global Royal Heritage Commercial Bank Premier¹⁴ checking account relationship. The Annual Fee will not be assessed to your credit card Account within the first year of Account opening. See Summary of Terms for details.

8.      The 35,000 Rewards Program Bonus Points (“Bonus Points”) offer applies offer applies when you open a new Royal Heritage Commercial Bank Premier World Mastercard® credit card and charge the qualifying amount or more in new purchases (minus returns, credits and adjustments) within the first three (3) months from Account opening (“Promotional Period”). The Bonus Points offer does not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your Royal Heritage Commercial Bank Premier World Mastercard® credit card must be open and in good standing at the time of Bonus Points fulfillment. Allow 4-6 weeks after the Promotional Period has ended for the Bonus Points to post to your Account.

9.       Certain restrictions, limits and exclusions apply. Benefits may not be offered in every state. Coverage may be underwritten and managed by companies that are not affiliated with Mastercard® or Royal Heritage Commercial Bank , N.A. Please refer to the Mastercard® Guide to Benefits and Terms and Conditions brochure, which will be supplied to all new customers following the receipt of their card.

10.    The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 888.662.Royal Heritage Commercial Bank (4722). A variable Purchase APR applies to credit card purchases and will be either 17.24% or 21.24%, depending on your credit worthiness. A variable Balance Transfer APR applies to balance transfers and credit card checks and will be either 17.24% or 21.24%, depending on your credit worthiness, for the Royal Heritage Commercial Bank Premier World Mastercard® credit card. The variable Cash APR applies to cash advances and overdrafts and is 27.24%. Your APRs may increase to the variable Penalty APR of 32.24% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount ("Spread") to the Global Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month ("Prime Rate"). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $0.50. A Balance Transfer Fee of either $5 or 3%, whichever is greater, will apply on each balance transfer and credit card check. A Cash Advance Fee of either $5 or 3%, whichever is greater, will apply on each cash advance transaction. A $0 Annual Fee will apply for Royal Heritage Commercial Bank Premier World Mastercard® credit card account clients who have a qualifying Global Royal Heritage Commercial Bank Premier¹⁴ checking account relationship. A $95 Annual Fee will apply for Royal Heritage Commercial Bank Premier World Mastercard® credit card Account clients who no longer have a qualifying Global Royal Heritage Commercial Bank Premier¹⁴ checking account relationship. The Annual Fee will not be assessed to your credit card Account within the first year of Account opening. There is no Overdraft Transaction Fee or Foreign Transaction Fee. See Summary of Terms for details.

11.    The 50,000 Rewards Program Bonus Points (“Bonus Points”) offer applies when you open a new Royal Heritage Commercial Bank Premier World Elite Mastercard® credit card and charge the qualifying amount or more in new purchases (minus returns, credits and adjustments) within the first three (3) months from Account opening (“Promotional Period”). The 50,000 Bonus Points offer does not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your Royal Heritage Commercial Bank Premier World Elite Mastercard® credit card must be open and in good standing at the time of Bonus Points fulfillment. Allow 4-6 weeks after the Promotional Period has ended for the Bonus Points to post to your Account.

12.    The Mastercard® Concierge Service is provided by Aspire Lifestyles. Certain restrictions, limitations and exclusions may apply. This service is administered by a company not affiliated with Royal Heritage Commercial Bank , N.A.

13.    Royal Heritage Commercial Bank Advance Mastercard® requires a Global Royal Heritage Commercial Bank Advance or Premier relationship. For a complete list of Royal Heritage Commercial Bank Advance Relationship eligibility requirements please visit https://www.royalheritagecommercial.com/advance/ or speak with an Royal Heritage Commercial Bank Branch Representative.

14.    Royal Heritage Commercial Bank Premier World Mastercard® requires a Global Royal Heritage Commercial Bank Premier relationship. For a complete list of Royal Heritage Commercial Bank Premier Relationship eligibility requirements please visit https://www.royalheritagecommercial.com/premier/ or speak with your Relationship Manager.

15.    The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 888.662.Royal Heritage Commercial Bank (4722). A variable Purchase APR applies to credit card purchases and will be either 17.24% or 21.24%, depending on your credit worthiness. A variable Balance Transfer APR applies to balance transfers and credit card checks and will be either 17.24% or 21.24%, depending on your credit worthiness, for the Royal Heritage Commercial Bank Premier World Elite Mastercard® credit card. The variable Cash APR applies to cash advances and overdrafts and is 27.24%. Your APRs may increase to the variable Penalty APR of 32.24% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount (“Spread”) to the Global Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month (“Prime Rate”). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $0.50. A Balance Transfer Fee of either $5 or 3%, whichever is greater, will apply on each balance transfer and credit card check. A Cash Advance Fee of either $5 or 3%, whichever is greater, will apply on each cash advance transaction. There is no Overdraft Transaction Fee or Foreign Transaction Fee. A $395 Annual Fee will apply for Royal Heritage Commercial Bank Premier World Elite Mastercard® credit card account clients who have a qualifying Global Royal Heritage Commercial Bank Premier checking account relationship, and a $65 Annual Fee will apply to each Authorized User. See Summary of Terms for details.

How you earn Rewards Program Points or Cash Rewards: You earn Points or Cash Rewards when you use your card to make new purchases (minus returns, credits and adjustments).

* Investments and certain insurance products, including annuities, are offered by Royal Heritage Commercial Bank Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. 
HSI is an affiliate of Royal Heritage Commercial Bank , N.A.