Imagine earning rewards for every purchase that bring you closer to your next dream cruise. Royal Caribbean Group, in partnership with Bank of America, has introduced the Royal ONE and Royal ONE Plus credit cards, designed to do just that. These industry-first tri-branded cards allow travelers to earn and redeem rewards across Royal Caribbean, Celebrity Cruises, and Silversea. ([newsroom.bankofamerica.com](https://newsroom.bankofamerica.com/content/newsroom/press-releases/2026/03/royal-caribbean-group-enhances-travel-loyalty--partners-with-ban.html?utm_source=openai))
Understanding the Royal ONE and Royal ONE Plus Credit Cards
The Royal ONE Visa Signature® and Royal ONE Plus Visa Signature® cards are tailored for cruise enthusiasts seeking to maximize their vacation experiences. Both cards offer flexible rewards on everyday spending and cruise-related purchases, with no foreign transaction fees. ([newsroom.bankofamerica.com](https://newsroom.bankofamerica.com/content/newsroom/press-releases/2026/03/royal-caribbean-group-enhances-travel-loyalty--partners-with-ban.html?utm_source=openai))
Royal ONE Visa Signature® Credit Card
- Annual Fee: $0
- Rewards Structure:
- 2X points on grocery, gas, and EV charging
- 1X point on all other purchases
- Travel Perks:
- $100 anniversary reward after spending $10,000 annually
- Visa Signature® travel protections
Royal ONE Plus Visa Signature® Credit Card
- Annual Fee: $99
- Rewards Structure:
- 2X points on grocery, gas, EV charging, plus airline, hotel, and dining
- 1X point on all other purchases
- Travel Perks:
- Priority luggage handling with Royal Caribbean and Celebrity Cruises
- $200 anniversary reward after spending $20,000 annually
- $120 TSA PreCheck®/Global Entry credit every four years
- Visa Signature® travel protections
Maximizing Your Rewards
To fully capitalize on these cards, consider the following strategies:
- Consolidate Your Spending: Use your Royal ONE card for all eligible purchases to accumulate points faster.
- Plan Your Cruises: Utilize the 3X or 4X points on cruise-related expenses to boost your rewards balance.
- Leverage Travel Perks: Take advantage of priority boarding and luggage handling to enhance your cruise experience.
Is It Time to Apply?
With the Royal ONE Plus card offering a $200 anniversary reward after spending $20,000 annually and a $120 TSA PreCheck®/Global Entry credit every four years, it presents significant value for frequent cruisers. The Royal ONE card, with no annual fee, is ideal for those looking to earn rewards without additional costs. ([newsroom.bankofamerica.com](https://newsroom.bankofamerica.com/content/newsroom/press-releases/2026/03/royal-caribbean-group-enhances-travel-loyalty--partners-with-ban.html?utm_source=openai))
Simplify Your Rewards Strategy with SuperPay
Managing multiple credit cards and rewards can be complex. SuperPay's Rewards Roadmap (PRO+) feature offers a personalized plan to maximize your points across all cards, ensuring you never miss an opportunity to earn. Additionally, the Smart Card Picker tells you exactly which card to use at every store, optimizing your rewards with minimal effort.
Your Next Step
To streamline your rewards strategy and make the most of your Royal ONE card, download SuperPay on the App Store and start optimizing your rewards today.