Royal ONE™ Visa Signature® Credit Card
30,000 points after you spend $1,500 in 3 months. No annual fee.
- Welcome offer
- Issuer's pagebankofamerica.com
“Online Offer: 30,000 bonus points”
- Annual fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- 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 | $470 | $170 |
| Typical spender | $695 | $395 |
| Heavy spender | $1,105 | $805 |
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
- No annual fee, like about 85% of the 626 cards we track.
- Worth more to a typical spender than about 85% 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
30,000 points
After you spend $1,500 on purchases in your first 3 months.
30,000 bonus points after spending $1,500 on purchases within the first 90 days of account opening; redeemable for $300 in onboard credit or cruise discounts.
How you earn · Royal ONE Rewards SM
- 3× pointseligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases
- 2× pointseligible grocery purchases
- 2× pointseligible gas purchases
- 2× pointseligible EV charging station purchases
- 1× pointsEverything else
Rates and fees
| Annual fee | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
|---|---|
| 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
- $100 cruise discount after spending $10,000 on purchases every year.
- Priority boarding.
- Access to exclusive cardholder events.
- Points can be redeemed for onboard credit toward specialty dining, beverage packages, Wi-Fi, shore excursions and more.
- No foreign transaction fees.
Questions
- What is the annual fee?
- $0 Reported to the CFPB, Dec 31, 2025, since Sep 29, 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?
- 30,000 points after $1,500 in purchases in 3 months. bankofamerica.com, since Oct 4, 2026
Other points cards with no annual fee
- GM Business MastercardBarclays · No annual fee+$505 a year
- GM Rewards MastercardBarclays · No annual fee+$505 a year
- CareCredit MastercardSynchrony · No annual fee+$315 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).