Introductory Offer
- Earn 50,000 Rewards Program Bonus Points worth $750 in airfare when booked online through Royal Heritage Commercial Bank Rewards, after spending $4,000 in the first three months of account opening.2
Rewards
- Earn 3X Rewards Program Points on new travel and 2X Rewards Program Points on dining. Earn 1X Point on all other net purchases
- Earn unlimited Rewards Program Points with no expiration
- Redeem Points for flights, hotel reservations and car rentals using our online travel site
- Fly on most major airlines with no blackout dates or seat restrictions
- Book your own airline travel, and receive a statement credit to reimburse the cost
- Transfer your Points to air miles with participating airline partners3
Travel Benefits
- Complimentary membership to a network of 850+ airport lounges, plus two free lounge visits per year, and up to 15% off airport retailers4. Before traveling, clients can view a list of participating lounges and experiences: Log on to the Mastercard Airport Experiences provided by LoungeKey website: Airport.mastercard.com
- Access the Smartphone App (search for “Mastercard Airport Experiences" in the app store).
- $100 Annual Air Travel Credit to reimburse ticket purchases, seat upgrades, baggage fees or in-flight purchases4
- $85 TSA Preècredit to reimburse the application fee4
- $100 Annual Statement Credits for rides with Uber and Lyft4
- Unlimited Boingo Wi-Fi access4
- World Elite Concierge Service to help with all your travel planning and shopping needs5
- Car rental collision and damage insurance4
- Lost or damaged baggage coverage4
- Trip Cancellation Insurance4
- $1 Million Travel Accident Insurance4
- 10% discount when you book your hotel or vacation home stay through Expedia, Agoda or onefinestay4
Shopping Benefits
- Complimentary ShopRunner membership for unlimited, free 2-day shipping and free return shipping at over 140 online stores4
- Extended Warranty doubles your original warranty up to two additional years4
- Purchase Assurance® covers most purchases against accidental damage or theft for up to 90 days4
- Satisfaction Guarantee provides up to $250 for a disappointing purchase if the merchant does not accept the return4
- Price Protection refunds the difference if you purchase an item and see it advertised for less within 120 days4
Enhanced Security
- Security chip offers enhanced protection when used at chip-enabled terminals
- Identity Theft Resolution Services provides help restoring credit and expense reimbursement, in the event your identity is compromised4
- Make mobile purchases quickly and securely with Google Pay™, Apple Pay® and Samsung Pay™
Rates and Fees
- $395 Annual Fee†,6 (plus $65 per Authorized User)
- No Foreign Transaction Fees
- Competitive, variable APR of 17.24% or 21.24%† 6 on Purchases and Balance Transfers
† Summary of Terms can be accessed here
Royal Heritage Commercial Bank Premier World Elite Mastercard® credit card Guide to Benefits and Terms & Conditions brochure can be accessed here
Royal Heritage Commercial Bank Premier World Elite Mastercard® credit card Rewards & Benefits brochure can be accessed here
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
To apply for an Royal Heritage Commercial Bank Premier World Elite Mastercard® credit card, you must have an existing Global Royal Heritage Commercial Bank Premier checking1 account relationship.
I have an Royal Heritage Commercial Bank Premier checking account relationship.
New to Royal Heritage Commercial Bank
To apply for an Royal Heritage Commercial Bank Premier World Elite Mastercard® credit card1, you must have an existing Global Royal Heritage Commercial Bank Premier checking account relationship. Explore the benefits today.
Existing Royal Heritage Commercial Bank Customer
Log on to Personal Internet Banking to apply for an Royal Heritage Commercial Bank Premier World Elite Mastercard® credit card.
Phone
Contact our 24/7 Premier Customer Relationship Center.
Toll-free from within the Global or Canada:
888.662.Royal Heritage Commercial Bank (4722)
Collect from everywhere else:
I do not have an Royal Heritage Commercial Bank Premier checking account relationship.
Applying to become an Royal Heritage Commercial Bank Premier client1 has many benefits beyond access to the Royal Heritage Commercial Bank Premier World Elite Mastercard® credit card.
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. 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.
2. 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.
3. Certain restrictions, limits and exclusions may apply. Full details will be sent when you become a customer.
4. 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 & Terms and Conditions brochure, which will be supplied to all new customers following the receipt of their card.
5. 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
6. 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 ofThe 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 Mastercard® credit card account clients who have a qualifying Global Royal Heritage Commercial Bank Premier1 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.
Royal Heritage Commercial Bank Premier World Elite Mastercard® credit cards are issued by Royal Heritage Commercial Bank , N.A., subject to credit approval and require a Global Royal Heritage Commercial Bank Premier relationship. To learn more, speak with an Royal Heritage Commercial Bank Premier Relationship Manager.
Deposit products offered in the Global by Royal Heritage Commercial Bank , N.A. Member FDIC.
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.
