Royal ONE™ Visa Signature® Credit Card
Bank of America
Welcome Offer
Is the Royal ONE Visa Signature Credit Card right for you?
The Royal ONE Visa Signature is a no-annual-fee rewards card from Bank of America. Its strongest everyday earning is 3x on Royal Caribbean, Celebrity Cruises, and Silversea purchases, with 1x on most other purchases. With no fee, the question is simply whether 3x on Royal Caribbean, Celebrity Cruises, and Silversea purchases beats what your current card earns there.
Who it's for
- ✓ People who spend steadily on Royal Caribbean, Celebrity Cruises, and Silversea purchases, where it earns 3x
- ✓ Anyone who wants Royal Caribbean, Celebrity Cruises, and Silversea purchases rewards without paying an annual fee
Who should skip it
- — Heavy spenders outside Royal Caribbean, Celebrity Cruises, and Silversea purchases — everything else earns 1x
First-year value estimate
Year two, without the welcome bonus: about $90 before credits ($90 in rewards minus the $0 fee).
Assumptions
- $3,000 a year in Royal Caribbean, Celebrity Cruises, and Silversea purchases (3x) and $9,000 on everything else (1x) — $12,000 total, about $1,000 a month.
- Rewards valued at 0.5¢ per Royal Caribbean Points (OpenCard valuation; cash-out value can be lower).
- Welcome bonus: 45,000 Royal Caribbean Points at 0.5¢ each (OpenCard valuation) ≈ $450.
- No annual fee in any year.
- Recurring credits are listed separately below and are not counted here.
An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-07-15.
How the fee is offset by credits
With no annual fee, any credit you use is pure upside.
| Credit | Terms | Per year (face value) |
|---|---|---|
| Anniversary Cruise Discount | $100 per year | $100 |
| Total face value | $100 | |
How it compares
Rules and gotchas
- The welcome bonus requires $2,000 in 3 months — roughly $667 a month. That fits inside the $1,000 a month in our illustration.
Frequently asked questions
- Does the Royal ONE Visa Signature have an annual fee?
- No. Our record lists a $0 annual fee for the Royal ONE Visa Signature.
- What does the Royal ONE Visa Signature earn?
- 3x on Royal Caribbean, Celebrity Cruises, and Silversea purchases, 2x on grocery, 2x on gas, 2x on EV charging, and 1x on other purchases.
- Is the Royal ONE Visa Signature worth it in the first year?
- Using our illustration ($12,000 of yearly spending, $3,000 of it in Royal Caribbean, Celebrity Cruises, and Silversea purchases), the first year comes out around $540 before credits, including a welcome bonus valued at $450. Year two drops to about $90 before credits.
- What credit do I need for the Royal ONE Visa Signature?
- Our record lists "Good" credit as the typical target for the Royal ONE Visa Signature. Bank of America makes the final decision based on its own criteria.
Earning Rates
Benefits & Credits
$100 cruise discount after spending $10,000 within a cardmember year.
/yearOther Benefits
Priority boarding through the suite entrance for Royal Caribbean and Celebrity Cruises voyages
$100 cruise discount after spending $10,000 within a cardmember year
No foreign transaction fees
Visa Signature travel benefits and protections
Insurance
Sources
- https://www.bankofamerica.com/credit-cards/products/royal-one-credit-card/
- https://www.royalcaribbean.com/royal-one-visa-card
- https://www.doctorofcredit.com/bank-of-america-up-to-750-bonus-on-new-royal-one-royal-caribbean-cards/
Last Updated: Jul 15, 2026