Royal Heritage Commercial Bank Premier World Mastercard® credit card

† Summary of Terms can be accessed here

Royal Heritage Commercial Bank Premier World Mastercard® credit card Guide to Benefits and Terms & Conditions brochure can be accessed here

Royal Heritage Commercial Bank Premier World 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.

To apply for an Royal Heritage Commercial Bank Premier World Mastercard® credit card, you must have an existing Global Royal Heritage Commercial Bank Premier checking account relationship.

I have an Royal Heritage Commercial Bank Premier checking account relationship.

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 Mastercard® credit card.

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 35,000 Rewards Program Bonus Points (“Bonus Points”) 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.
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 and Terms & Conditions brochure, which will be supplied to all new customers following the receipt of their card.
5. 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, for the Royal Heritage Commercial Bank Premier World Mastercard® credit card. 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. 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 $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 Premier checking account relationship¹. 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 Premier checking account relationship¹. 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.

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 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.