Royal ONE Plus™ Visa Signature® Credit Card
Bank of America · VISA
The Royal ONE Plus™ Visa Signature® Credit Card is a credit card from Bank of America on the VISA network. It has an annual fee of $99. It earns 2x on travel, 1x on everything else.
Key facts
- Annual fee
- $99
- Purchase APR
- 17.49% - 27.49% variable APR
- Network
- VISA
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Travel | 2x | 2x on eligible airline |
| Everything else | 1x | 1x on all other purchases |
Benefits and perks
- Earn points: 4 points per dollar spent on eligible Royal Caribbean® , Celebrity Cruises® and Silversea® purchases 2 points per dollar spent on eligible airline, hotel, dining, grocery, gas and EV charging station purchases 1 point per dollar spent on all other purchases
- Online Offer: 60,000 bonus points: 60,000 bonus points, redeemable for $600 in onboard credit or cruise discounts, after spending $2,500 on purchases within the first 90 days of account opening
- Anniversary Reward: $200 cruise discount aſter spending $20,000 on purchases every year
- Travel Benefits: Embark with priority suite boarding and luggage, plus Up to $120 Global Entry/TSA Precheck in statement credits every 4 years
- Enjoy Royal ONE Rewards SM: Redeem your points for cruise discounts or onboard credit to use toward cruise favorites like specialty dining, beverage packages, Wi-Fi, shore excursions and more.
Rates and fees
Annual membership fee: $99. Purchase APR: 17.49% - 27.49% variable APR, based on creditworthiness and the Prime Rate.
Rates and fees as published by the issuer and recorded on 7 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the Royal ONE Plus™ Visa Signature® Credit Card
What is the annual fee on the Royal ONE Plus™ Visa Signature® Credit Card?
The Royal ONE Plus™ Visa Signature® Credit Card has an annual fee of $99.
What rewards does the Royal ONE Plus™ Visa Signature® Credit Card earn?
The Royal ONE Plus™ Visa Signature® Credit Card earns 2x on travel, 1x on everything else.
Is the Royal ONE Plus™ Visa Signature® Credit Card worth it?
The Royal ONE Plus™ Visa Signature® Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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