A revolving line of credit, built into your RMO Bank relationship. Tap, swipe, or shop online — every purchase runs on the RMO network and posts straight to your RMO credit account.
Most banks issue credit cards on Visa, Mastercard, American Express, or Discover. We don't. RMO operates its own card network — so the card, the rails it rides on, and the bank extending the credit line are all part of the same company.
Every RMO Credit Card transaction is authorized, routed, and settled on the RMO network — operated by RMO Corporation. No third-party network sits between you and your lender.
Cards are issued by RMO Bank, the lending and deposit subsidiary of RMO Corporation, pursuant to a license from RMO Corporation to use the RMO card network and brand.
RMO is its own card network. We do not operate on Visa, Mastercard, American Express, or Discover. Look for the RMO network mark at participating merchants.
Everyday credit tools and member rewards, built into your RMO Bank credit account.
Earn points or cash back on eligible purchases. Redeem for statement credit, gift cards, or special member offers in MyRMO.
Variable purchase APRs benchmarked to U.S. Prime, with introductory offers available on select cards. Pay in full each cycle to avoid interest on new purchases.
Verified unauthorized transactions are covered when reported promptly. Real-time alerts and instant card lock in MyRMO stop fraud the moment it happens.
Lock and unlock the card, set spending limits, schedule payments, change your PIN, and order a replacement — all from MyRMO on web or mobile.
When the issuer and the network are the same company, the chain is shorter — and so are the surprises.
The lender and the network are both RMO. Charge disputes go directly through RMO Bank — no finger-pointing between an issuer and an external network.
Because RMO is its own network, the interchange and routing fees you'd normally fund through merchant prices stay inside the RMO family.
RMO Bank reports your credit card activity to the major U.S. credit bureaus, so responsible use helps you build a stronger credit profile over time.
The RMO Credit Card runs on the RMO network. It is not a Visa, Mastercard, American Express, or Discover card. RMO Corporation operates its own proprietary card network, and RMO Bank issues credit cards on that network pursuant to a license from RMO Corporation.
The RMO Credit Card is issued by RMO Bank, the banking subsidiary of RMO Corporation, pursuant to a license from RMO Corporation. RMO Bank is the lender of record on the credit account, and RMO Corporation is the operator of the RMO card network.
You can use your RMO Credit Card at every merchant, ATM, and online checkout that accepts the RMO network, including in-person tap-to-pay, magnetic stripe, chip, and online card-not-present transactions. Acceptance is expanding — check the merchant locator in MyRMO for nearby participating merchants.
RMO Bank offers a range of credit card tiers — including MyCashRewards, MyVelocity, MyTitan, and MyInfinity — with different reward structures, credit limits, annual fees, and benefits. Compare them on the Personal Credit Cards page or in MyRMO before applying.
Each RMO Credit Card carries a purchase APR, a cash-advance APR, and (where offered) a balance-transfer APR. APR is variable and based on the U.S. Prime Rate plus a margin tied to the card tier and your creditworthiness at the time of approval. Interest is not charged on new purchases when the statement balance is paid in full by the payment due date each cycle. See the Cardholder Agreement and rate disclosure for the rates that apply to your account.
Log in to MyRMO on the web or mobile app and go to Card Management under your credit card account. From there you can instantly lock or unlock your card, set travel notices, change your PIN, and order a replacement if the card is lost, stolen, or damaged. Zero-liability protection applies to verified unauthorized transactions reported promptly.
Have questions about your credit card? We've got you covered.
Find answers to common questions about card use, network acceptance, APR, rewards, and credit reporting.
Visit Help CenterSchedule a one-on-one appointment with an RMO representative to walk through card tiers, APR, and credit limits.
Schedule AppointmentFind your nearest RMO Retail Center for in-person account help, card pickup, or replacement.
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