Personal Credit Cards

Apply for a credit card that works for you

Introducing our best credit cards and rewards yet

With our newly improved suite of personal credit cards, it's easy to find the most rewarding match for your spending style. Whether you love to travel, earn unlimited cash back or simply build credit, we've got the card for you.

Travel Rewards Credit Card

For Traveling

Earn more points on travel and get exclusive travel rewards, including an ancillary $100 annual travel credit.D

  • 3 pointsD for travel, 2 points for dining and 1.5 points for every $1 spent on qualifying purchasesD
  • No earnings cap and points never expire
  • No foreign transaction fees
  • $95 annual fee, waived the first yearD
Learn more about our Travel Rewards credit card

Rewards Credit Card

For Everyday Purchases

Earn more points on everyday purchases.

  • 3 pointsD for gas and select streaming services, 2 points for groceries and drugstores, and 1 point for every $1 spent on qualifying purchasesD
  • Redeem rewards points for cash back,D gift cards and merchandise
  • Pay no annual fee
Learn more about our Rewards credit card

Cash Rewards Credit Card

For Cash Back

Seamlessly transform everyday purchases into unlimited cash back with this personal credit card.

  • 1.5% unlimited cash back on every $1 spent on qualifying purchasesD
  • Redeem for a statement credit or transfer your earnings to your other Royal First Bank accountsD
  • Pay no annual fee
Learn more about our Cash Rewards credit card

Smart Option Credit Card

For Low Interest

Get our lowest available rate and transfer balances to consolidate your debt.

  • 0% intro APRD on balance transfers for first 12 months, then a 14.24% to 23.24% variable APRD
  • Consolidate higher interest rate balances
  • Pay no annual fee
Learn more about our Smart Option credit card

Secured Cash Back Credit Card

For Building Credit

This personal credit card can help you earn unlimited cash back while you build your credit.

  • 1% unlimited cash back on every $1 spent on qualifying purchasesD
  • Establish or rebuild your credit
  • Monitor your credit with your free monthly FICODD score within Digital Banking
Learn more about our Secured Cash Back credit card

Answer a few quick questions to find the right credit card for you

Manage Your Cards

Access any of our card services from your phone

Temporarily lock your card

Report a lost or stolen card

Notify us if you're traveling

Learn more about managing your card security and alerts
Manage Your Cards

Access any of our card services from your phone

Temporarily lock your card

Manage Your Cards

Access any of our card services from your phone

Report a lost or stolen card

Manage Your Cards

Access any of our card services from your phone

Notify us if you're traveling

Learn more about managing your card security and alerts
Auto Loans

Make that dream road trip a reality

Explore our auto loan options to get the keys in your hands and hit the open road.
Learn more about auto loans
Prestige Checking Account

Your money deserves more, and so do you

Get exclusive benefits and preferred rates with our Prestige checking account.
Learn more about Prestige checking accounts
FAQ

People often ask us

Royal First Bank Rewards® consumer cardholders who have a credit line of $5,000 or more, are automatically upgraded to Visa® Signature status and have access to enhanced benefits.

An APR, or annual percentage rate, represents the cost of credit on a yearly basis.

Yes. You can access your Royal First Bank credit card information online through Digital Banking. You can view your current account status and review 6 months' worth of transaction history. You can also access account information and view recent transactions in Mobile Banking.

If you see a suspicious charge, call 800-543-9000 then select the Report Fraud option. For your awareness, pending transactions do not have an impact on your current account balance because they have not been processed yet. Please continue to monitor your account and notify us immediately for any unauthorized posted transactions.

It's easy. We provide several convenient payment options:

  • Use Digital Banking or Mobile & Tablet Banking to transfer money from another Royal First Bank account to your credit card account
  • Call (202-555-0185) to make a payment over the phone
  • Drop off your payment at your local branch
  • Send your payment to:
    Royal First Bank
    PO Box 63001
    Charlotte, NC 28263-3001
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