Royal ONE Plus Visa Signature Credit Card
60,000 points after you spend $2,500 in 3 months. $99 a year.
- Welcome offer
- Issuer's pagebankofamerica.com
“Online Offer: 60,000 bonus points”
- Annual fee
- Issuer's pagebankofamerica.com
“Low $99 annual fee † and no foreign transaction fees †”
- Purchase APR
- Issuer's pagebankofamerica.com
“17.74% - 27.74%”
- Foreign transaction fee
- Issuer's pagebankofamerica.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $680 | $80 |
| Typical spender | $935 | $335 |
| Heavy spender | $1,450 | $850 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 80% of the 650 cards we track.
- Lower top APR than about 50% of the 128 cards on our Sign-up bonuses list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
60,000 points
After you spend $2,500 on purchases in your first 3 months.
60,000 bonus points, redeemable for $600 in onboard credit or cruise discounts.
How you earn · Enjoy Royal ONE Rewards℠
- 4× pointseligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases
- 2× pointseligible airline purchases
- 2× pointseligible hotel purchases
- 2× pointseligible dining purchases
- 2× pointseligible grocery purchases
- 2× pointseligible gas purchases
- 2× pointseligible EV charging station purchases
- 1× pointsEverything else
Rates and fees
| Annual fee | Issuer's pagebankofamerica.com “Low $99 annual fee † and no foreign transaction fees †” |
|---|---|
| Purchase APR | Issuer's pagebankofamerica.com “17.74% - 27.74%” |
| Intro APR | Issuer's pagebankofamerica.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Issuer's pagebankofamerica.com The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Issuer's pagebankofamerica.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Global Entry/TSA PreCheck credit: $120 every 4 years
- Up to $120 Global Entry/TSA PreCheck in statement credits every 4 years
- Priority suite boarding and luggage
- $200 cruise discount after spending $20,000 on purchases every year
- Points can be redeemed for onboard credit or cruise discounts toward cruises on Royal Caribbean®, Celebrity Cruises® and Silversea®
Questions
- What is the annual fee?
- $99 bankofamerica.com, since Oct 4, 2026
- Does it charge a foreign transaction fee?
- No. bankofamerica.com, since Oct 4, 2026
- What is the purchase APR?
- 17.74–27.74% APR bankofamerica.com, since Oct 4, 2026
- Is there a welcome bonus?
- 60,000 points after $2,500 in purchases in 3 months. bankofamerica.com, since Oct 4, 2026
Other points cards with fees up to $100
- Citi Strata Premier - TravelCiti · $95 a year+$135 a year
- Bilt ObsidianBilt · $95 a year+$105 a year
- Bank of America Premium RewardsBank of America · $95 a year+$45 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).