Are you looking for a credit card that offers superior rewards and benefits? Allow us to introduce the Gold Royal Trust Credit Card – the premium card for discerning customers who demand more.
With the Gold Royal Trust Credit Card, you’ll enjoy generous rewards on all your purchases, unparalleled benefits like airport lounge access, and first-class service and support. Whether you’re a frequent traveler, a big spender, or just someone who appreciates quality, this card delivers.
In this comprehensive guide, we’ll cover everything you need to know about the Gold Royal Trust Credit Card, including:
- Key features and benefits
- Rewards program details
- Eligibility and approval requirements
- Fees and APR information
- Application process
- Customer reviews and ratings
- FAQ section
So if you’re ready to take your credit card experience to the next level, read on to learn all about the Gold Royal Trust Credit Card and see if it may be the right choice for you.
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Key Features and Benefits of the Gold Royal Trust Credit Card
Here are some of the main advantages of the Gold Royal Trust Credit Card:
- Earn unlimited 3x pointson all travel and dining purchases, and 1x points on everything else
- Points are worth 25% morewhen redeemed for airfare through Royal Rewards
- $300 annual travel creditto offset flight, hotel, rental car, or rideshare purchases
- Priority Pass Select airport lounge access– over 1,300 lounges worldwide
- Global Entry/TSA PreCheck application fee credit– up to $100 value every 4 years
- Rental car elite status– enjoy perks like free upgrades, skipped lines, and discounts
- Purchase protection and extended warranty– coverage for theft, damage, and mechanical issues
- Premium travel and shopping benefits– hotel room upgrades, dining perks, special event access, and more
- No foreign transaction feeson purchases abroad
- 24/7 concierge service– help booking travel, making reservations, and more
- Luxury cardholder services– dedicated personal account managers and travel agents
As you can see, the Gold Royal Trust Credit Card offers an unbeatable combination of lucrative rewards earnings, high-end travel perks, and premium benefits – making it the ideal card for those with discerning tastes.
Rewards Program Details
Let’s take a closer look at how rewards work with the Gold Royal Trust Credit Card:
- 3x points– Earn 3 points for every $1 spent on airfare, hotels, rental cars, taxis, rideshares, cruises, tours, restaurants, cafes, bars, and more.
- 1x points– Earn 1 point for every $1 spent on all other purchases.
- 25% airfare redemption bonus– Points are worth 25% more when redeemed for airfare through Royal Rewards. 100 points = $1.25 towards flights.
- No limits on earnings– There is no cap to how many points you can earn. The more you spend, the more you earn.
- Points don’t expire– As long as your account remains active, your points will never expire.
- No blackout dates– Redeem points for travel anytime, without restrictions.
- Easy redemptions– Points can be redeemed for statement credits, gift cards, merchandise, travel, and more. Minimum redemption is 2,500 points.
- Point sharing– Pool points with family members to redeem rewards faster.
With unlimited 3x points earning potential plus a 25% airfare redemption bonus, the rewards program for the Gold Royal Trust Credit Card is extremely generous and flexible.
Eligibility and Approval Requirements
Since this is a premium travel rewards card, approval requirements are a bit more stringent than average credit cards. Here are the eligibility and approval requirements to qualify for the Gold Royal Trust Credit Card:
- Good to Excellent credit– Minimum credit score of 700 recommended. Other factors like income, existing accounts, and inquiries also considered.
- Minimum income– Stated minimum annual income of $60,000.
- Application history– Low number of credit inquiries and new accounts in past 6-12 months preferred.
- Account history– Applicants with previous Royal Trust accounts in good standing may have higher approval odds.
- Cardholder status– Being a Gold account holder with Royal Trust is advantageous but not required for approval.
As always, approval is not guaranteed and your application must be reviewed based on your full credit profile, verification of application details, and other eligibility criteria. But if your credit score is 700+ and you meet the above requirements, your approval odds for the Gold Royal Trust Credit Card are excellent.
Fees and APR Information
While the rewards and benefits are plentiful, there are some fees to be aware of with the Gold Royal Trust Credit Card:
- Annual fee– $195 per year
- APR– 15.99% to 23.99% variable
- Foreign transaction fee– None
- Balance transfer fee– 3% minimum $5
- Cash advance fee– 5% minimum $10
- Late payment fee– Up to $40
- Return payment fee– Up to $40
As you can see, there is a substantial annual fee. But keep in mind you get up to $400 in annual statement credits to offset the fee, along with all the premium rewards and benefits. Responsible cardholders who pay balances off each month need not worry about interest rates or fees.
How to Apply for the Gold Royal Trust Credit Card
Ready to apply for this top-tier travel credit card? Here are the steps to submit your application:
- Check your credit– Confirm your credit score is 700+ and request a credit report to review.
- Gather documents– Have your Social Security Number, residential addresses, income details, and contact info ready.
- Apply online– Visit the Royal Trust website and complete the online application. Fastest and easiest method.
- Apply by phone– Call the Royal Trust toll-free number and provide application details over the phone.
- Apply in branch– Stop by any Royal Trust branch and fill out an application with a bank representative.
- Verify– Submit requested documents to verify your identity, income, and other details.
- Watch for decision– You will receive a decision via email or mail within 7-10 business days.
Once approved, you can activate your card as soon as it arrives and start enjoying the many benefits of the Gold Royal Trust Credit Card!
Customer Reviews and Ratings
With its premium offerings and rewards, the Gold Royal Trust Credit Card enjoys very positive customer sentiment overall. Here is a brief overview of customer reviews and ratings:
- Simple application– Many note the application process was quick and hassle-free.
- Prompt service– Customers report fast shipping of cards and quick customer service response times.
- Valuable rewards– The 3x travel/dining rewards and 25% airfare redemption are highly praised.
- Lounge access– Being able to access airport lounges is a major perk for travelers.
- High annual fee– The $195 fee is the most common negative, but seen as reasonable for the benefits.
- Excellent benefits– From rental car perks to shopping discounts, customers love the array of offerings.
- Top-notch mobile app– Banking, accessing rewards, and account management are easy with the app.
On third-party review sites, the Gold Royal Trust Credit Card enjoys 4+ out of 5 stars on average – indicating very high satisfaction rates among cardholders.
Gold Royal Trust Credit Card FAQ
Still have some questions about the ins and outs of this premium credit card? Here are answers to some frequently asked questions about the Gold Royal Trust Credit Card:
How does the $300 annual travel credit work?
The $300 travel credit is automatically applied to the first $300 in combined flight, hotel, rental car, rideshare, taxi, or cruise expenses each cardmember year.
Are there any foreign transaction fees?
No, the Gold Royal Trust Credit Card has no foreign transaction fees on international purchases.
What is the Priority Pass airport lounge program?
Priority Pass provides access to over 1,300 airport lounges worldwide. Just show your Priority Pass Select membership card for complimentary lounge entry.
Can points be transferred to airline and hotel partners?
Yes, Royal Rewards points can be transferred 1:1 to many major airline and hotel rewards programs.
Is there a minimum income requirement?
The stated minimum annual income is $60,000 to qualify for the Gold Royal Trust Credit Card.
Does the card have an annual fee?
Yes, there is a $195 annual fee. Key perks like the $300 travel credit help offset the annual fee.
Are there any foreign transaction fees?
No. The card has no foreign transaction fees on international card purchases.
How do you redeem points for maximum value?
The best value is redeeming points for airfare through Royal Rewards at 1.25 cents per point. Transferring to partners can also offer strong value.
What credit score is recommended to be approved?
You should have a minimum credit score of 700 to have the best approval odds for the Gold Royal Trust Credit Card.
Is there a signup bonus for new cardholders?
Yes, new cardholders can earn 75,000 bonus points by spending $5,000 in the first 3 months from account opening.
We hope this comprehensive guide answered all your key questions about the exceptional rewards and benefits offered by the Gold Royal Trust Credit Card. With premium travel perks, flexible redemption options, and top-tier rewards earnings on purchases, it’s easy to see why this card is so popular among discerning cardholders who demand only the very best.
