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As a member of the Palais Royal loyalty program, you are able to earn a $5 payback reward you are entitled to the following benefits: a $5 birthday reward, Exclusive savings offers and access to Club 40 discounts if you are over the age of 40. With the Palais Royal credit card, you will not be able to earn any additional payback rewards, you will still receive the same $5 rewards after spending $100. With the credit card, the only thing you receive is additional shopping benefits. If you are approved for the card in-store, you will earn 15% off your first day's purchase, better coupon discounts and a $10 birthday reward. If you spend at least $750 on your card in a calendar year, you will be upgraded to platinum membership status. As a platinum member the only additional benefits you will receive are free shipping and a $20 birthday reward.