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Introductory Offer
- 0%†,1 Introductory APR on Purchases and Balance Transfers for the first 15 months from Account opening. Balance transfers must be posted within the first 60 days following Account opening.
After that, a competitive variable APR of 14.24%, 20.24% or 25.24%†,1, will apply.
Save on Fees
- No Annual Fee†,1
- No Foreign Transaction Fees
- Late Fee Waiver: in the event your payment is late, you will receive one Late Fee Waiver per year
- No Penalty APR
- No fee for additional cards for authorized users
Travel Benefits
- MasterAssist® provides pre-trip planning assistance, help with lost luggage and more2
- Master RoadAssist® Roadside Services provides help in the event your car breaks down while traveling in the U.S.2
- $1 Million Travel Accident Insurance2
Shopping Benefits
- Extended Warranty doubles your original warranty up to 1 additional year2
- Purchase Assurance® covers most items from damage or theft2
- Price protection refunds the difference if you see an item advertised for less within 60 days of purchase2
- Identity Theft Resolution Services provides one-on-one support in the event your identity is compromised2
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 Gold Mastercard® credit card
Existing Royal Heritage Commercial Bank Customer
Log on to Personal Internet Banking to apply for an Royal Heritage Commercial Bank Gold 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 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 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 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 Gold Mastercard® credit card Guide to Benefits and Terms & Conditions brochure for full details.
Royal Heritage Commercial Bank Gold 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.
