Home / Browse Cards / Royal ONE™ Visa Signature®
Royal ONE™ Visa Signature®
Bank of America

Royal ONE™ Visa Signature®

A no-annual-fee travel rewards card from Bank of America.

Locked to Royal Caribbean
Annual fee
No annual fee
Welcome bonus
30,000 points ($300)
Min spend
$1,500 in 90 days
Recommended credit
Good (670+)
Network
Visa
Foreign transaction fee
None
Apply on Bank of America site7.0/10Our rating · review ›

Rates, fees, and full terms are set by Bank of America and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: Bank of America application and welcome-bonus rules →
Offer last verified August 21, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on groceries and gas and want travel rewards they can grow.

⚠ Think twice if

your spending is spread evenly, where a flat-rate card would likely earn you more.

Earning rates

3x points on Royal Caribbean, Celebrity Cruises, and Silversea purchases
2x points on grocery, gas, and EV charging
1x points on all other purchases
Welcome: 30,000 points (about $300) after $1,500 in purchases in the first 90 days
Points redeem for cruise discounts or onboard credit across the three brands

Best ways to earn & redeem

Put your groceries and gas spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its groceries rate is on the modest side for that category, so compare before you commit.

When you cash in, redeem the miles or points inside the single loyalty program this card is tied to. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

No annual fee and no foreign transaction fees

Alternatives to the Royal ONE™ Visa Signature®

Pairs well with

The Royal ONE™ Visa Signature® earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Royal ONE™ Visa Signature® lands.

Calculate My Card
Back to all cards