Offer changed ~1 month ago

Royal ONE Visa Signature Card

Today's 30,000 points offer is 67% of this card's all-time high of 45,000 points.

Best deal ever recorded: 45,000 points for $2,000 / 3mo (2026-04-01).

Current sign-up bonus

30,000

Bonus points

Earn 30,000 points after you spend $1,500 in the first 3 months. That's ~$450 in value.

Earning rates

3x

Royal Caribbean, Celebrity Cruises, and Silversea purchases

2x

Grocery stores, gas, and EV charging

1x

Everything else

Key benefits

  • ✓3x points on Royal Caribbean, Celebrity Cruises, and Silversea
  • ✓$100 anniversary reward after $10,000 in annual spend
  • ✓Points redeemable for onboard credit and cruise discounts (100 points = $1)
  • ✓No annual fee, no foreign transaction fees

We list the highlights. See the issuer for full benefits & terms

Welcome bonus history

Every welcome bonus we've recorded for this card. The dashed line is its all-time high; the dot on the right is today's offer.

All-time high45,00045,000 points · from Apr 2026Current30,0002026Today · 2026
  1. 30,000 pointsCurrent
    2026-07-01 · $1,500 / 3mo · Reduced around 2026-07-14 to 30,000 points after $1,500 in 90 days (issuer page; corroborated by The Points Guy current-offers page updated 07/14/26).
    Source: bankofamerica.com
  2. 45,000 points★ Highest ever
    2026-04-01 · $2,000 / 3mo · First welcome offer on the Royal ONE, added 2026-04-28 (the card launched 2026-03-31 with no offer): 45,000 points after $2,000 in 90 days. Corroborated by Doctor of Credit. Successor to the discontinued Royal Caribbean Visa Signature; legacy cardholders convert from June 2026.
    Source: upgradedpoints.com

Historical offers are tracked for reference. Past offers may not return.

Common questions

What credit score do you need for the Royal ONE?

A credit score in the 670 - 850 range is typically expected for approval.

What is the Royal ONE's annual fee?

There is no annual fee.

How many points per dollar does the Royal ONE earn?

Up to 3 points per $1 in its bonus categories and 1 point per $1 on everything else. Full rates are in the earning table above.

Does the Royal ONE charge foreign transaction fees?

No, there are no foreign transaction fees.

What is the Royal ONE's welcome bonus worth?

The current 30,000-point bonus is worth roughly $450 based on our point valuations.