Royal ONE Plus vs Royal ONE

Every figure below is from the same dataset Miles computes its recommendations from. Rows the two cards agree on are collapsed at the bottom.

Royal ONE Plus

Bank of America

Royal ONE

Bank of America

Economics

Annual fee

$99

$99/yr less

Ongoing annual value

−$33

$44

$77/yr more

Net value (value − fee)

−$132

$44

$176/yr more

First-year value estimate

$449

$180/yr more

$269

Authorized user fee

—

Sign-up Bonus

Current offer

60K points after $2.5K spend in the first 90 days

30K points after $1.5K spend in the first 90 days

Earning

Dining

2X2%

—

Flights

2X2%

—

Hotels

2X2%

—

Royal Caribbean, Celebrity Cruises, and Silversea purchases

4X4%

3X3%

Percentages are the return on a dollar spent: the multiplier times what Miles values those points at. Categories only one card earns a bonus on are marked for that card; the other earns its base rate.

Benefits

Statement credits

Annual Cruise Discount: $200 (Annual Cardmember Year)
Global Entry/TSA PreCheck: $120 (Every 4 Years)

Annual Cruise Discount: $100 (Annual Cardmember Year)

Lounge access

—

Elite status

—

Protections

The same on both cards (9)

Foreign transaction fee

None

Issuer

Bank of America

Rewards currency

Royal Caribbean Points

Card type

Personal

Network

Visa

All other purchases

1X1%

EV charging

2X2%

Gas Stations

2X2%

Grocery Stores

2X2%

Which one is right for you

This page shows the difference. It does not pick: the winner depends on what you spend and what you already hold, and adding these figures up without knowing that would be a guess dressed as a verdict. Ask Miles and it computes the answer against your own wallet.

Ask Miles which to get

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