Bank of America · Visa Signature · Personal
Royal Caribbean Group Royal ONE Plus
A $99-a-year card earning Royal Caribbean MyCruise: 4× on Cruises (Portal), 1× on everything else.
- Annual fee
- $99Charged every year
- Signup bonus
- 60,000 ≈ $600 in travel (our estimate)*
- Top rate
- 4×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 60,000 points · spend $2,500 on purchases in the first 3 months from account opening | $600 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$99 | −$99 |
| NetYear one includes the bonus · at your inputs · our estimates* | $501 | −$99 |
The bonus needs $2,500 on purchases in the first 3 months from account opening.
Earning structure
7 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Cruises (Portal) NotesEligible purchases where Royal Caribbean, Celebrity Cruises, or Silversea, or a ship name of those lines, is the merchant on the statement. | 4× | $4.00 | |
Airfare NotesEligible airline and air carrier purchases. | 2× | $2.00 | |
Dining NotesEligible restaurants, including fast food, bars, and taverns. | 2× | $2.00 | |
EV Charging NotesEligible service stations, fuel dispensers, and EV charging. Marinas, marine fuel, and fuel dealers also qualify. | 2× | $2.00 | |
Groceries NotesEligible grocery stores, supermarkets, bakeries, and specialty food stores. Excludes superstores and drug stores. | 2× | $2.00 | |
Hotels NotesEligible hotels, motels, and resorts. | 2× | $2.00 | |
| All Other | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $99
- 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
Benefits16 · 1 high value
- Anniversary Bonuses High value$200 Anniversary Cruise Discount
- Airport Express Credits $120 Global Entry / TSA PreCheck Credit
- Car Rental Insurance SECONDARY Auto Rental Collision Damage Waiver
- Instant Perks & Status Exclusive Cardholder Events + 4 more instant perks & status benefits
- Travel Protections $0 Liability Guarantee + 7 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 Plus |  Royal Caribbean Group Royal ONE |  Norwegian Cruise Line |  Virgin Atlantic Red Rewards | |
|---|---|---|---|---|
| Annual fee | $99 | $0−$99 | $0−$99 | $99Same |
| Signup bonus | 60,000 pts | 30,000 pts | 20,000 pts | 60,000 pts |
| Top rate | 4×Cruises (Portal) | 3×Cruises (Portal) | 3×Cruises (Portal) | 3×3 categories |
| Travel value * | 1¢Royal Caribbean MyCruise | 1¢Royal Caribbean MyCruise | 1¢Norwegian WorldPoints | 1.47¢Flying Club |
| Why it’s here | This card | Same issuer and the same Royal Caribbean MyCruise points, with no annual fee | An annual fee within $100 | Same $99 annual fee, with transferable points |
Royal Caribbean Group Royal ONE
$0 fee (−$99) · 3× top30,000 pts bonusSame issuer and the same Royal Caribbean MyCruise points, with no annual fee
Norwegian Cruise Line
$0 fee (−$99) · 3× top20,000 pts bonusAn annual fee within $100
Virgin Atlantic Red Rewards
$99 fee (same) · 3× top60,000 pts bonusSame $99 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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