Bank of America
Royal ONE Plus Visa Signature Credit Card
Estimated value every year on typical spending
$375/ year
Every year, after the annual fee. Year one adds a $600 welcome bonus: $975
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: Global Entry/TSA Precheck Credit $30
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
On typical spending the Bank of America Royal ONE Plus Visa Signature Credit Card returns about $474 a year in rewards and usable credits, which covers its $99 fee with $375 to spare. The welcome bonus adds roughly $600 in the first year.
The fine print
- Intro APR
- Not applicable
- Regular APR
- 17.74% to 27.74% variable
- Foreign fee
- None
- Top perk
- $200 cruise discount after $20,000 spend on purchases every year
- Approval
- Good credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 4 points per dollar spent on eligible Royal Caribbean, Celebrity Cruises, and Silversea purchases
- 2 points on eligible airline, hotel, dining, grocery, gas, and EV charging station purchases
- 1 point on all other purchases
Sign-up bonus
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
Best for
- Travelers who redeem points
Not ideal for
- People who want plain cash back
Trade-offs: Higher annual fee ↔ richer rewards & perks; Better travel value ↔ less straightforward than cash back; Large welcome bonus ↔ higher spend requirement.
Worth knowing
- Annual fee
- $99
- Intro APR
- Not applicable
- Regular APR
- 17.74% to 27.74% variable
- Balance transfer fee
- 5% of each transaction
- $500/mo on groceries earns about $120/year (2x).
- $1200/mo on everyday spending earns about $144/year (1x).
- The $99 fee pays for itself at about $830/mo on groceries.
- You come out ahead of a no-fee 1% card after about $9900/year of groceries spending.
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Royal ONE Plus Visa Signature Credit Card: questions people ask
Is the Bank of America Royal ONE Plus Visa Signature Credit Card worth it?
On typical spending the Bank of America Royal ONE Plus Visa Signature Credit Card returns about $474 a year in rewards and usable credits, which covers its $99 fee with $375 to spare. The welcome bonus adds roughly $600 in the first year.
What is the Bank of America Royal ONE Plus Visa Signature Credit Card annual fee?
The Bank of America Royal ONE Plus Visa Signature Credit Card has a $99 annual fee. On typical spending its rewards and usable credits come to about $474 a year, so it nets about $375 after the fee.
What is the Bank of America Royal ONE Plus Visa Signature Credit Card welcome bonus?
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. We value it at about $600. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Bank of America Royal ONE Plus Visa Signature Credit Card earn?
4 points per dollar spent on eligible Royal Caribbean, Celebrity Cruises, and Silversea purchases. 2 points on eligible airline, hotel, dining, grocery, gas, and EV charging station purchases. 1 point on all other purchases.
What credit score do you need for the Bank of America Royal ONE Plus Visa Signature Credit Card?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Bank of America Royal ONE Plus Visa Signature Credit Card charge foreign transaction fees?
No. The Bank of America Royal ONE Plus Visa Signature Credit Card has no foreign transaction fee.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Bank of America product page. Terms change often; confirm them with the issuer before you apply.