Royal ONE Visa Signature Card
By Alex Compton · Last verified
Royal Caribbean's 2026 card reboot, now covering Celebrity and Silversea too.
Welcome Bonus
45,000
≈$450 value
Spend Requirement
$2,000
in 3 months
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Current offer note: Royal ONE launch offer
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 3 tracked offers going back to 2024, nothing has beaten 45k.
Current offer
45k
All-time high
45k
Typical offer
45k
In place since
March 2026
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
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Earning Rates
- 3xRoyal Caribbean, Celebrity Cruises and Silversea purchases
- 2xGroceries, gas and EV charging
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Priority boarding on Royal Caribbean and Celebrity sailings
- ✦$100 anniversary reward after $10,000 spend in a card year
- ✦Points redeem toward cruise fare, onboard credit, dining, excursions and drink packages
- ✦No foreign transaction fees
Why it earns its spot
- +45,000 points is about $450 of cruise value on a no-fee card
- +Real grocery and gas categories, unusual for a cruise cobrand
Where it costs you
- −Points are locked inside the Royal Caribbean Group ecosystem
- −The $99 Royal ONE Plus grabs the best perks like the 70,000-point offer
The Compound Verdict
Bank of America and Royal Caribbean replaced the tired old Visa in March 2026 with the Royal ONE family, and legacy Royal Caribbean and Celebrity cardholders are being converted starting June 2026. The no-fee version is finally competitive thanks to everyday categories and a meaty launch bonus. Cruisers who sail every year should look at the Plus tier with its 70,000-point offer and richer onboard perks.
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