Card details · Bank of America
Royal ONE Plus Visa Signature Credit Card review: fees, rewards and APR
The Royal ONE Plus™ Visa Signature® Credit Card is a credit card from Bank of America with a $99 annual fee. By our overall score it ranks #114 of the 294 credit cards we rank (store-only cards excluded), and #7 of 25 Bank of America cards. It is listed in our cruise, hotel, gas and grocery rankings.
Key facts
- Issuer
- Bank of America
- Network
- Visa
- Annual fee
- $99
- Welcome offer
- Limited-time online offer: 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
- Foreign transaction fee
- None
- Our overall score
- 54 (#114 of 294 cards)
Sign-up bonus history
Below the highest offer we’ve tracked (70,000 points)
- Current offer
- 60,000 points
Limited-time online offer: 60,000 bonus points, redeemable for $600 in onboard credit or cruise discounts, after spending $2,500 on purchases within the first 90 days… - Highest tracked since April 2026
- 70,000 points
Limited-time online offer: 70,000 bonus points, redeemable for $700 in onboard credit or cruise discounts, after spending $3,000 on purchases within the first 90 days… - Lowest tracked since April 2026
- 60,000 points
Limited-time online offer: 60,000 bonus points, redeemable for $600 in onboard credit or cruise discounts, after spending $2,500 on purchases within the first 90 days… - Changes tracked
- 1
Show each tracked change
| Date | Headline amount | Offer as recorded |
|---|---|---|
| Apr 22, 2026 | 70,000 points | Limited-time online offer: 70,000 bonus points, redeemable for $700 in onboard credit or cruise discounts, after spending $3,000 on purchases within the first 90 days… |
| Aug 2, 2026 | 60,000 points | Limited-time online offer: 60,000 bonus points, redeemable for $600 in onboard credit or cruise discounts, after spending $2,500 on purchases within the first 90 days… |
We compare each offer’s headline bonus amount and track it since April 2026 (earlier history is not covered). Spend requirements and time windows may have changed too. Past offers don’t predict future ones. Methodology.
Rewards
- 4 points per dollar spent on eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases
- 2 points per dollar spent on eligible airline, hotel, dining, grocery, gas and EV charging station purchases
- 1 point per dollar spent on all other purchases
Benefits and notes
$200 cruise discount aſter spending $20,000 on purchases every year priority suite boarding and luggage, plus up to $120 Global Entry/TSA Precheck in statement credits every 4 years
Where it ranks
- Overall: #114 of 294 cards (score 54)
- Bank of America credit cards: #7 of 25
- Cruise cards: #4 of 5 by our cruise score
- Hotel cards: #23 of 23 by our hotel score
- Gas cards: #41 of 43 by our gas score
- Grocery cards: #51 of 57 by our grocery score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Bank of America’s own site) as of October 21, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the Royal ONE Plus Visa Signature Credit Card?
$99, as stored in our database. Confirm the current fee on Bank of America’s site.
Does the Royal ONE Plus Visa Signature Credit Card have a welcome bonus?
Our database lists this offer: Limited-time online offer: 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 Offers change often and terms apply.
Does the Royal ONE Plus Visa Signature Credit Card have a 0% intro APR?
Our database lists no intro APR offer for this card.
Does the Royal ONE Plus Visa Signature Credit Card charge foreign transaction fees?
Our database lists no foreign transaction fee for this card.
How does the Royal ONE Plus Visa Signature Credit Card rank on YourBestCards?
#114 of 294 cards by our overall score (54). In our category lists: #4 of 5 cruise cards; #23 of 23 hotel cards; #41 of 43 gas cards; #51 of 57 grocery cards.
What is the highest Royal ONE Plus Visa Signature Credit Card sign-up bonus you have tracked?
Since April 2026, the highest headline amount we have tracked is 70,000 points and the lowest is 60,000 points, across 1 change. The current offer is 60,000 points. This only covers the period we have tracked; terms apply.
Other top Bank of America cards
- Unlimited 3 points for every $1 spend on eligible Alaska Airlines and Hawaiian Airlines purchases
- Unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit purchases, including rideshare
- Unlimited 1 point for every $1 spent on all other purchases
- Annual fee
- $95
- Welcome offer
- Limited-time online offer: Get 50,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $1,500 or more on purchases within the first 90 days of opening your account.
- 3% cash back + 3% first-year cash back bonus in the category of your choice including gas and EV charging station, online shopping/cable/streaming/internet/phone plans, dining, travel, drug store/pharmacy, or home improvement/furnishings purchases
- 2% cash back at grocery stores and wholesale clubs
- 1% cash back on all other purchases
- Annual fee
- $0
- Welcome offer
- Earn $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening and 6% cash back in the category of your choice – for the first year.
- Intro APR
- purchases 15 months · balance transfers 15 months
- 3 points per $1 on Alaska Airlines, Hawaiian Airlines, foreign transactions and dining
- 1 point on all other purchases. Plus, earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account
- Annual fee
- $395
- Welcome offer
- Earn 70,000 bonus points and a 25,000-point Global Companion Award after spending $3,000 or more on purchases within the first 90 days of opening your account.
- 3 Miles per $1 spent directly on Air France, KLM, and other SkyTeam member airlines
- 1.5 Miles per $1 spent on all other purchases
- Annual fee
- $89
- Welcome offer
- Online offer: 50,000 Bonus Miles + 100 Experience Points (XP) after you make $2,000 or more in purchases within the first 90 days of your account opening
- #5
Business Advantage Customized Cash Rewards credit card
Score 58- 3% cash back in the category of your choice
- 2% cash back on dining purchases and unlimited 1% cash back on all other purchases. You’ll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- Annual fee
- $0
- Welcome offer
- $500 cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening
- Intro APR
- purchases 7 months
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.