Bank of America · Visa Signature · Personal
Royal Caribbean Group Royal ONE
A no-annual-fee card earning Royal Caribbean MyCruise: 3× on Cruises (Portal), 1× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- 30,000 ≈ $300 in travel (our estimate)*
- Top rate
- 3×Cruises (Portal)
- Point value
- 1¢ In travel · 1¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 30,000 points · spend $1,500 on purchases in the first 90 days of account opening | $300 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $300 | $0 |
The bonus needs $1,500 on purchases in the first 90 days of account opening.
Earning structure
4 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Cruises (Portal) NotesEligible purchases that bill as Royal Caribbean, Celebrity Cruises, or Silversea, including a ship name. Other cruise lines earn 1 point per dollar. | 3× | $3.00 | |
EV Charging NotesGas and EV bonus requires MCC 4468, 5541, 5542, 5552, or 5983. Purchases that do not transmit an eligible MCC earn 1 point per dollar. | 2× | $2.00 | |
Groceries NotesGrocery bonus requires MCC 5411, 5422, 5441, 5451, 5462, or 5499. Purchases that do not transmit an eligible MCC earn 1 point per dollar. | 2× | $2.00 | |
All Other NotesBase rate on purchases that do not qualify for a bonus category. No annual points cap. | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Visa Signature
- Bank
- Bank of America
- Point system
- Royal Caribbean MyCruise
- Travel value (our estimate)*
- 1¢ per point
- Cash value (our estimate)*
- 1¢ per point
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- Yes
- Cash to travel
- No
Benefits12 · 0 high value
- Anniversary Bonuses $100 Anniversary Cruise Discount
- Car Rental Insurance Auto Rental Collision Damage Waiver
- Instant Perks & Status Cardholder Events + 3 more instant perks & status benefits
- Travel Protections Extended Warranty Protection + 5 more travel protections benefits
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Royal Caribbean Group Royal ONE |  Royal Caribbean Group Royal ONE Plus |  Norwegian Cruise Line |  Carnival | |
|---|---|---|---|---|
| Annual fee | $0 | $99+$99 | $0Same | $0Same |
| Signup bonus | 30,000 pts | 60,000 pts | 20,000 pts | 30,000 pts |
| Top rate | 3×Cruises (Portal) | 4×Cruises (Portal) | 3×Cruises (Portal) | 2×Cruises (Portal) |
| Travel value * | 1¢Royal Caribbean MyCruise | 1¢Royal Caribbean MyCruise | 1¢Norwegian WorldPoints | 1¢Carnival FunPoints |
| Why it’s here | This card | Same issuer and the same Royal Caribbean MyCruise points | Also no annual fee | Also no annual fee, with transferable points |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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