Credit union · NCUA insured
Royal Credit Union Credit Card Rates
Top CarrotRoyal Credit Union credit cards start at 11.50% APR on purchases, after any introductory rate. Rates checked October 23, 2026.
How Royal Credit Union’s credit card rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Royal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Royal Credit Union
11.50%APR
Platinum Rewards Visa® Credit Card
Lowest rate
NSP Credit Union
7.90%APR
2nd-lowest rate
Pipefitters Steamfitters Credit Union
8.75%APR
Royal Credit Union credit card score
75
Credit card score
Higher than 40% of U.S. banks and credit unions
- Purchase APRPurchase APR11.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Royal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Platinum Rewards Visa® Credit Card
Available to Wisconsin and Minnesota members; subject to credit approval and membership eligibility.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.50% | None | Variable APR based on Prime Rate as published in the Wall Street Journal, plus a margin. Subject to credit approval. Minimum monthly payment 2% of balance or $25.00. No annual fee and no balance transfer fee. Cash advance fee is 3% of transaction amount with $10 minimum, $75 maximum; foreign transaction fee is up to 2%. |
Sources (2)
All captured Oct 23, 2026
Who can join Royal Credit Union
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