Royal ONE™ Visa Signature Credit Card: No Annual Fee, Cruise Rewards & Benefits
Earn 3X points on Royal Caribbean®, Celebrity Cruises®, and Silversea® purchases, and 2X points on groceries, gas and EV charging stations, with no annual and no foreign transaction fees.
The Bottom Line
On Bank of America's Secure Website
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
17.49% - 27.49% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards Earn 3X points on Royal Caribbean®, Celebrity Cruises® and Silversea® purchases, 2X points on grocery, gas and EV charging stations, and 1X point on all other purchases.
1x - 3x Points
Welcome Offer Earn 30,000 bonus points after spending $1,500 in the first three months.
30,000 Points
Editor’s Note: The Royal ONE™ Visa Signature® Credit Card replaces the discontinued Royal Caribbean Visa Signature® Card from Bank of America®, which is no longer accepting new applications. Existing cardholders were migrated to the new card. The associated rewards program has also been renamed Royal ONE™ and now covers eligible rewards across Royal Caribbean Group’s cruise brands.
Pros and Cons
Pros:
- Sign-up bonus
- 3X points on Royal Caribbean Group cruise purchases
- 2X points on grocery, gas, and EV charging stations
- No annual fee
- No foreign transaction fee
- Priority boarding
Cons:
- Rewards and benefits are largely tied to Royal Caribbean®, Celebrity Cruises®, and Silversea® cruise lines
- Low base rewards rate
- No intro 0% APR
- The card won’t help you qualify for cruise loyalty program status
- Points can’t be transferred to airline or hotel loyalty programs
Welcome Offer
Earn 30,000 bonus points after spending $1,500 in the first three months.
Rewards
- 3X Points on Royal Caribbean®, Celebrity Cruises® and Silversea® purchases.
- 2X Points:
- Grocery
- Gas and EV charging stations
- 1X Points on all other purchases.
Big4credit Tip: If you cruise often, purchase your cruise fare on the Royal ONE™ Visa Signature Credit Card, then use those points on the fun stuff – shore excursions, drinks, specialty dining, Wi-Fi, spa visits, or souvenirs. This way, points don’t just sit unused, you cash them in faster and get more value out of each trip. For example, if you book a $3,000 cruise, you’d earn 9,000 points — that’s basically $90 of free stuff to spend onboard.
Redemption Options
- Redeem points across the Royal Caribbean Group brands for cruise discounts and onboard credits.
- Fixed Redemption Value: Points are worth 1 cent each, with a minimum redemption of 5,000 points ($50).
Fees and APR
- Annual Fee: $0.
- Regular APR: 17.49% - 27.49% Variable APR.
- Balance Transfer Fees: 5% of each transfer amount.
- Foreign Transaction Fee: None.
Annual Credits & Statement Credits
$100 Anniversary Cruise Discount: Receive a $100 discount on a qualifying cruise each year after spending $10,000 in purchases during your cardmember year.
Travel Benefits
Priority boarding on for Royal Caribbean and Celebrity cruises.
Convenience Features
Digital wallet compatible: Apple Pay®, Google Pay™, Samsung Pay.
Nice Extras
Access to exclusive cardholder events.
Buy Now, Pay Later Options
Custom Pay Plan: Break up eligible credit card purchases into equal monthly payments. No interest, just a fixed monthly fee.
Ratings
- Net Value & Cost Efficiency: 8.7/10
- Rewards & Earnings Power: 6.2/10
- Welcome Bonus Value: 8/10
- First-Year Earning Boost: 0/10
- APR & Interest Structure: 3.5/10
- Simplicity & Transparency: 8.2/10
- Perks, Benefits & Protections: 3/10
- Issuer Credibility & Stability: 7.1/10
- Installment & BNPL Features: 7/10
- Eligibility & Approval Accessibility: 7.5/10
Big4Credit ratings are based on our independent analysis of each card’s features, value, fees, rewards, and benefits. Card issuers do not influence our ratings.
Terms and Conditions
Click Apply Now to see the terms and conditions.
Big4credit Tip: The card offers solid value for frequent cruisers, but its rewards and perks are largely centered on Royal Caribbean Group brands. Travelers who prefer more flexibility may get greater long-term value from a general travel rewards card.
Alternative Cards
The biggest limitation of the Royal ONE™ Visa Signature® Credit Card that its rewards are largely tied to Royal Caribbean Group cruise brands. We picked the alternatives that provide strong travel rewards that can be used across any cruise line and other travel purchases:
- U.S. Bank Altitude® Connect: A great alternative for travelers who want elevated rewards on all eligible travel purchases, including cruise line bookings, along with rewards on gas and EV charging – all with no annual fee.
- Bank of America® Customized Cash Rewards: Earn 6% cashback in your chosen category during the first year (promotional offer), then 3% cashback thereafter, including the travel category. Travel is broadly defined and includes cruise purchases, flights, hotels, and car rentals, making this card a flexible alternative for travelers who aren’t loyal to a single cruise line.
- Wells Fargo Autograph®: Earn 3X points on travel purchases, including cruises, plus rewards on dining, gas, transit, and other everyday categories. It’s a strong choice for travelers who want to earn rewards both on vacation and at home.
» MORE: See Big4credit’s best travel credit cards
» MORE: Best general-purpose travel credit cards of 2026
The information about the Royal ONE™ Visa Signature Credit Card has been collected independently by big4credit.com. The card details have not been reviewed or approved by the card issuer.