The Royal Credit Union is a business credit card from Royal Credit Union. The annual fee is No annual fee. The ongoing APR is 11.50% (APR is variable and based on Prime Rate as published in the Wall Street Journal, plus a margin; rates current as of 10/02/26). Rewards: Earn uChoose Rewards® points that can be redeemed for travel, gift cards, merchandise, and more. Loan terms: greater of 3% of balance or $10.00.