Bank of America
Royal ONE Visa Signature Credit Card
Estimated value every year on typical spending
$407/ year
Every year, after the annual fee. Year one adds a $300 welcome bonus: $707
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: Cruise Discount $100 → $35
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Bank of America Royal ONE Visa Signature Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $407 a year on typical spending. The welcome bonus adds roughly $300 in the first year.
The fine print
- Intro APR
- Not applicable
- Regular APR
- 17.74% to 27.74% variable
- Foreign fee
- None
- Top perk
- Special cruise perks like priority boarding and access to exclusive cardholder events
- Approval
- Good credit recommended
- Redeem for
- Travel portal · Airline & hotel transfers · Statement credit · Gift cards
Rewards
- Points on eligible Royal Caribbean, Celebrity Cruises, and Silversea purchases, as well as on grocery, gas, and all other purchases
Sign-up bonus
30,000 bonus points, redeemable for $300 in onboard credit or cruise discounts, after spending $1,500 on purchases within the first 90 days of account opening
Best for
- Travelers who redeem points
- Keeping costs at $0
Not ideal for
- People who want plain cash back
Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- 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).
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 Visa Signature Credit Card: questions people ask
Is the Bank of America Royal ONE Visa Signature Credit Card worth it?
With no annual fee, the Bank of America Royal ONE Visa Signature Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $407 a year on typical spending. The welcome bonus adds roughly $300 in the first year.
What is the Bank of America Royal ONE Visa Signature Credit Card annual fee?
The Bank of America Royal ONE Visa Signature Credit Card has no annual fee ($0).
What is the Bank of America Royal ONE Visa Signature Credit Card welcome bonus?
30,000 bonus points, redeemable for $300 in onboard credit or cruise discounts, after spending $1,500 on purchases within the first 90 days of account opening. We value it at about $300. 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 Visa Signature Credit Card earn?
Points on eligible Royal Caribbean, Celebrity Cruises, and Silversea purchases, as well as on grocery, gas, and all other purchases.
What credit score do you need for the Bank of America Royal ONE 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 Visa Signature Credit Card charge foreign transaction fees?
No. The Bank of America Royal ONE 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.