Royal Caribbean, Bank of America Launching New Credit Cards

Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

Published Mar 31, 2026 11:05 a.m. PDT · 1 min read Written by Senior Writer & Content Strategist + more + more Edited by Managing Editor SOME CARD INFO MAY BE OUTDATED

This page includes information about these cards, currently unavailable on NerdWallet. The information has been collected by NerdWallet and has not been provided or reviewed by the card issuer.

Travelers will soon have more ways to earn points and set sail with Royal Caribbean, Celebrity Cruises and Silversea. Bank of America® and Royal Caribbean plan to launch the Royal ONE and Royal ONE Plus credit cards, which will earn rewards in a variety of categories from travel to everyday purchases. The cards will officially debut in the next few weeks, but no official date has been announced. Here’s what the cards will offer. » MORE: NerdWallet's best credit cards for cruises » MORE:

The ONE cards unpacked

Cardholders will be able to choose between an annual fee and no-annual-fee option. As is typical, the one with the annual fee will offer more perks. Both cards will allow cardholders to earn and redeem points across Royal Caribbean, Celebrity Cruises and Silversea. They'll also both have welcome offers for new cardholders, which will be announced when the cards officially launch. The cards also won’t charge foreign transaction fees, so that's one less expense you’ll have to cover abroad.

Royal ONE Credit Card (No annual fee)

Royal ONE Credit Card (No annual fee) 3X points on purchases with Royal Caribbean, Celebrity Cruises, and Silversea. 2X points on grocery, gas, and EV charging. 1X point on all other purchases. Travel perks: Priority boarding for Royal Caribbean and Celebrity Cruises; a $100 anniversary reward after meeting a $10,000 spending requirement; and Visa Signature travel protections.

Royal ONE Plus Credit Card ($99 annual fee)

Royal ONE Plus Credit Card ($99 annual fee) 4X points on purchases with Royal Caribbean, Celebrity Cruises, and Silversea. 2X points on grocery, gas, EV charging, plus air, hotel, and dining. 1X point on all other purchases. Travel perks: Priority suite boarding for Royal Caribbean, Celebrity Cruises and Silversea vacations; priority luggage handling with Royal Caribbean and Celebrity Cruises; a $200 anniversary reward after meeting a $20,000 spending requirement; a $120 TSA PreCheck/Global Entry credit (every four years); and Visa Signature travel protections. Points will be worth a penny apiece and can be redeemed toward cruise savings and onboard experiences like specialty dining, shore excursions, WiFi and more. » MORE: Royal Caribbean Cruises: The Ultimate Guide » MORE:

How it compares with the previous card

How it compares with the previous card The Royal ONE card is replacing a previous version from Bank of America®, called the Royal Caribbean Visa Signature card. If you have that previous version, you'll receive a new version in the coming months. (Options to upgrade or apply for the Royal ONE Plus credit card will become available after the transition.) The main difference between the latest cards and the old one is the rewards structure. Previously, cardholders could earn only 2 points per dollar on Royal Caribbean and Celebrity Cruises and 1 point per dollar everywhere else. The name of Royal Caribbean's rewards program will also be changing to Royal ONE, which offers rewards across the company's brands. » MORE: Get to know the best cruise lines » MORE: About the author Melissa Lambarena Melissa is a credit cards writer at NerdWallet. Her work has been featured by The Associated Press, New York Times, Washington Post and USA Today. See full bio. Helpful resources Best Cash Back Credit Cards Best Travel Credit Cards Best Balance Transfer Credit Cards

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

More like this How to Pick the Best Credit Card for You: 4 Easy Steps By Claire Tsosie Why Nearly Every Purchase Should Be on a Credit Card By Virginia C. McGuire, Paul Soucy