Royal ONE
Bank of AmericaNo annual feeVisa SignatureNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
30,000points
after $1,500 in purchases in the first 3 months
2/3/4 Rule, 3/12 Rule and 2 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus30,000 points at 1¢ | $300 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | $0 |
| Annual fee | $0 |
| Meeting the $1,500 minimumearns 1% here vs 2% on Double Cash | −$15 |
| First year | $285 |
| Each year after | +$20 |
Not counted in the first year: other benefits (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Grocery Stores | 2% |
| 2X | Gas Stations | 2% |
| 3X | Royal Caribbean, Celebrity Cruises, and Silversea purchases | 3% |
| 2X | EV charging | 2% |
| 1X | Everything else | 1% |
Noteworthy perks
- Priority boarding line at the check-in terminal
Personal card · Earns Royal Caribbean Points
Benefits
Credits & Perks (1)
- Annual Cruise Discount: $100 (Annual Cardmember Year)
$100 cruise discount awarded on the account anniversary after spending $10,000 on purchases within the prior anniversary year.
Other Perks
- Priority boarding line at the check-in terminal
- Points worth 1 cent each toward cruise discounts or onboard credit with Royal Caribbean, Celebrity Cruises, or Silversea
- Points do not expire and there is no cap on rewards
The Royal ONE family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Royal ONEOct 8, 2026
- changed from null to 1500Aug 13, 2026
- changed from null to 90Aug 13, 2026
- addedAug 3, 2026