Rewards Credit Card

A credit card that makes every day rewarding

Earn more on everyday essentials

Now here's a card you'll always want in your wallet. With our rewards credit card, points are easier to earn on regular everyday purchases.

Earn rewards everywhere

Get more points on groceries, gas and streaming services.D

Enjoy more benefits

Credit card benefits make purchasing safer, quicker and more convenient.

An introductory offer

Consolidate debt with 0% intro APRD on balance transfers for the first 12 months.D

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Earn Rewards Points

A competitive rate, a variety of rewards

Choose your credit card rewards from a range of redemption options including cash back,D gift cards and merchandise.

  • For every $1 you spend, earn 3 pointsD on gas and streaming services, 2 on groceries and drugstores, and 1 point on everyday purchasesD
  • Credit card rewards points are posted to your account daily
  • Use points to get reimbursed for travel you book on your own terms or a recent purchase with our exclusive Pay Me Back® redemption optionD
  • Enjoy no annual fee with this credit card
Rewards Card Information

Card details and transaction fees

Balance transfers

0% introductory APRD for first 12 monthsD on balance transfers, then variable purchase rate of 17.24% to 26.24% based on creditworthiness applies

Maximize your rewards

Automatically earn more points every day when you use your card for gas, groceries, drugstores and streaming services

No annual fee

Enjoy all this card has to offer with $0 annual fee

Tap your card to pay

Make quick and secure purchases with contactless payments.

Get alerts

Track your accounts and transactions with text and email alerts.

Pay your bills

Automate your bill payments with Digital Banking for extra peace of mind.

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
Credit Card Benefits

Get protection and more with Visa

Our credit cards offer a wealth of great benefits, from contactless payments to porch piracy protection.
Learn more about our credit card benefits
Royal First Bank Rewards

Manage and redeem your rewards online

What will you earn with credit card rewards? Choose cash back, travel perks, gift cards and more.
Learn more about our credit card rewards
FAQ

People often ask us

Whether you're a frequent flier, diner or shopper, credit cards can be rewarding. Based on your spending and the type of card in your wallet, you might earn cash back, travel rewards or points to redeem for your choice in rewards. You might decide to stick with cash back or points cards, based on your spending patterns, or you might go with cards that supply miles or travel rewards to help pay for airfare, hotel stays and more.

Rewards redemption options for this credit card include:

  • Cash back in the form of a statement credit or as a deposit into your Royal First Bank checking or savings account
  • Pay Me Back: Use points to pay for a recent purchase made on your credit card account
  • Pay My Loan: Use points to pay down your Royal First Bank loan or mortgage
  • Donate to Teen Cancer America
  • Gift cards
  • Merchandise

With the Rewards credit card, you can earn up to 10,000 points per month. Credit card rewards points expire 3 years from the original month earned. For example, points earned in March of 2023 will expire in March of 2026.

You can learn more about credit card rewards point values by visiting Credit Card Rewards and selecting See Examples.

Merchants who accept Visa® credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for the purposes of making reward offers to you.

We make every effort to include all relevant merchant codes in our bonus reward categories. However, although a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category.

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