Royal One™ Visa Signature® Credit Card
A no-annual-fee points card from Bank of America, National Association.
Bank of America, National Association · VISA
- Annual fee
- $0
- Purchase APR
- 17.49–27.49%variable
- Signup bonus
- $300
- Foreign transaction
- None
Earn Rules
| Grocery | 2.00% |
| All Other | 1.00% |
Rates with strings attached
These apply only at a specific brand, or need something beyond how you spend, like a balance held with the issuer or a status tier. They are real, but we do not count them in the value above, which uses the rates any cardholder earns on ordinary spending.
| on Royal Caribbean®, Celebrity Cruises® and Silversea® purchases | 3.00% |
Statement Credits
Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.
| $100 cruise discount after spending $10,000 on purchases every yearyearSource ↗ | $100/yr |
| Total credits / year we count | $100 |
The total counts each credit at face value, and only the ones reachable at this spending level.
Signup Bonus
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
Value: $300 · Spend $1,500 in 3 months
This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.
Who This Card Makes Sense For
- People who occasionally carry a balance. With no annual fee on top, the interest is the only cost.
Wondering if this card pays off for your situation? Is the Royal One™ Visa Signature® Credit Card worth it? →
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