Introductory Offers
- Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases4
- 0%2 Introductory APR on Purchases and Balance Transfers for the first 12 months from Account Opening. Balance transfers must be posted within the first 60 days following Account opening. After that a competitive variable APR of 15.24%, 19.24% or 25.24% 2 will apply.
Cash Rewards
- After that, earn 1.5% Unlimited Cash Back on all purchases
- 10% Anniversary Bonus on all Cash Rewards earned each year. For example, if you earned $500 in Cash Rewards, you’ll receive an additional $50 Anniversary Bonus.
Save on Fees
- No Annual Fee†,2
- No Foreign Transaction Fees
- No fee for additional cards for authorized users
Travel benefits
- MasterAssist® provides pre-trip planning assistance, help with lost luggage and more3
- Master RoadAssist® Roadside Services provides help in the event your car breaks down while traveling in the U.S.3
- $1 Million Travel Accident Insurance3
Shopping Benefits
- Extended Warranty doubles your original warranty up to 1 additional year3
- Purchase Assurance® covers most items from damage or theft3
- Price protection refunds the difference if you see an item advertised for less within 60 days of purchase3
- Identity Theft Resolution Services provides one-on-one support in the event your identity is compromised3
Payment Technology
- Security chip offers enhanced protection when used at chip-enabled terminals
- Contactless payment feature provides fast, easy and safe checkouts
- Make mobile purchases with Google Pay™, Apple Pay® and Samsung Pay™
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person or entity that opens an Account.
What this means for you: If you open a personal account, we will ask for your name, address, taxpayer identification number, date of birth, and other information that will allow us to identify you. Additionally, we will take certain steps to verify your identity, such as asking for your driver's license or other identifying documents or checking other sources. Similar identification requirements apply to non-personal accounts such as corporations and partnerships. Be assured that we recognize the importance of protecting your privacy and safeguarding the confidentiality of the information you provide to us.
How to apply
New to Royal Heritage Commercial Bank
Apply for an Royal Heritage Commercial Bank Cash Rewards Mastercard®
credit card
Existing Royal Heritage Commercial Bank Customer
Log on to Personal Internet Banking to apply for an Royal Heritage Commercial Bank Cash Rewards Mastercard® credit card
Phone
Contact our Customer Relationship Center
Monday – Sunday 7:00am – 12:00am ET.
Toll-free from within the Global or Canada:
Collect from everywhere else: 716.841.7141
Related links
As an Royal Heritage Commercial Bank customer, you're automatically enrolled in our fraud alert program.
See your FICO® Score for free, along with key score factors, on your monthly statement.
All Royal Heritage Commercial Bank credit cards are available with Google Pay, Apple Pay, and Samsung Pay.
1 For the first $10,000 in new purchases within the first twelve (12) months from Account opening, you will earn three (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 $1 on all new purchases. Cash Rewards points 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.
2 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 800.975.Royal Heritage Commercial Bank (4722). The 0% Introductory APR does not apply to purchases, cash advances and overdrafts. Balance transfers must be posted within the first 60 days following Account opening. After the Introductory Period, 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. A variable Purchase APR of 15.24%, 19.24% or 25.24%, depending on your creditworthiness, will apply to credit card purchases, for the Royal Heritage Commercial Bank Cash Rewards 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 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.
3 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. See the Royal Heritage Commercial Bank Cash Rewards Mastercard® credit card Guide to Benefits and Terms & Conditions brochure for full 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).
Royal Heritage Commercial Bank Cash Rewards Mastercard® credit cards are issued by Royal Heritage Commercial Bank , N.A., subject to credit approval.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Google Pay is a trademark of Google LLC
Apple, the Apple logo, and Apple Pay are trademarks of Apple Inc., registered in the Global and other countries.
Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.
