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Bank of America · US

Royal ONE™ Visa Signature® Credit Card

VISA · Personal · No foreign transaction feeOffer checked
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Annual fee
$0
Welcome offer
30K points (~$300)
Top rate
2xGroceries, Gas & Fuel & EV Charging
Foreign transaction fee
None

The offer

Welcome offer

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

30K points (~$300)

  • Minimum spend: $1,500
  • Within 3 months

Earning

Reward rates

  • Travel at Royal Caribbean, Celebrity Cruises, Silversea3x
  • Groceries, Gas & Fuel & EV Charging2x
  • All other purchases1x

Earns Royal ONE Rewards

Included

Benefits

  • $0 Liability Guarantee

    Covers fraudulent transactions made by others using your account.

  • Cruise Perks

    Priority boarding and access to exclusive cardholder events.

  • VISA Extended Warranty

    12-month extended warranty from VISA Signature

  • VISA Signature

    Network-level benefits from VISA Signature tier

Bonuses after the first

Spend bonuses (1)

  • $100 cruise discount after spending $10,000 on purchases every year

    Spend $10,000 within annual

Your numbers

What this card is worth to you

Enter your monthly spend per category to see a year of rewards from this card.

Annual Rewards

—

Annual Fee

$0

Net Value

—

Your odds

Approval odds

CardAPI lists no minimum credit score for this card. Sign up free to see your odds.

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The details

Terms and details

Balance transfers and intro APR

Balance transfer fee5%

Eligibility

Network tierSignature

Bank of America's application rules

Ready to apply?

Bank of America's page for this card

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Card data from CardAPI, offer checked 6 Nov 2026. Terms change; confirm them with Bank of America before you apply. Browse every card

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