Royal ONE Plus Credit Card
Best for: Frequent Royal Caribbean, Celebrity or Silversea cruisers
Pros
- Cruise perks for Royal Caribbean Group fans
- No FX fee
Cons
- Points mostly useful for cruises
- Anniversary perk needs heavy spend
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
This card launched recently (March 31, 2026). A new Royal Caribbean Group co-brand pair (Royal ONE and Royal ONE Plus) from Bank of America, reported March 31, 2026.
Royal ONE Plus Credit Card at a glance
| Issuer | Bank of America |
| Card network | Visa |
| Annual fee | $99 |
| Rewards rate | 4x Royal Caribbean, Celebrity and Silversea; 2x grocery, gas, EV charging, air, hotel and dining; 1x other |
| Welcome bonus | 70,000 points after $3,000 spend in 90 days (reported) |
| Intro APR | None |
| Regular APR | See issuer |
| Foreign transaction fee | None |
| Credit needed | See issuer |
| Best for | Frequent Royal Caribbean, Celebrity or Silversea cruisers |
Key features
- Priority suite boarding and luggage handling
- $120 Global Entry/TSA PreCheck credit every 4 years
- $200 anniversary discount with $20,000 annual spend
- No-fee sibling card Royal ONE (3x cruise, 2x grocery/gas/EV, 45,000-point bonus)
Pros
- Cruise perks for Royal Caribbean Group fans
- No FX fee
Cons
- Points mostly useful for cruises
- Anniversary perk needs heavy spend
Before you apply: terms for new cards change quickly. Confirm the current annual fee, rates, rewards and welcome offer on the issuer's official site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
Sources: doctorofcredit.com · doctorofcredit.com
How it compares with similar USA cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Bank of AmericaRoyal ONE Plus 4113 1601 4822 7617 VALID THRU 04/31CASEY BROOKS Royal ONE Plus Credit CardFrequent Royal Caribbean, Celebrity or Silversea cruisers |
$99/yr | 4x Royal Caribbean, Celebrity and Silversea; 2x grocery, gas, EV charg… | None | None | See issuer | — |
ChaseSapphire Preferred 4574 7062 5717 3216 VALID THRU 11/31SAM RIVERA Chase Sapphire Preferred CardMid-tier travelers who want transfer partners without a premium fee |
$95/yr | 5x Chase Travel; 3x dining, gas and EV charging, streaming and online… | None | None | Good to Excellent (700+) | |
Chase Sapphire ReserveHeavy travelers who'll actually use the lounges and travel credit |
$795/yr | 8x Chase Travel; 4x flights and hotels booked direct; 3x dining; 1x ot… | None | None | Excellent (740+) | |
Capital OneVenture Rewards 4491 2049 3838 5912 VALID THRU 01/30TAYLOR REED Capital One Venture RewardsTravelers who want flat-rate miles with zero category tracking |
$95/yr | 5x hotels & cars via portal, 2x miles on all other purchases | None | None | Good to Excellent (700+) |
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