Royal ONE Plus Visa Signature
$99 annual fee · $230/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Travel | 4x | uncapped |
| Gas | 2x | uncapped |
| Groceries | 2x | uncapped |
| Flights | 2x | uncapped |
| Hotels | 2x | uncapped |
| Dining | 2x | uncapped |
| Everything else | 1x | uncapped |
See how it ranks: best travel cards · best gas cards · best groceries cards · best flights cards.
Statement credits — $230/yr on paper · how we got this
| Credit | Value | How it pays |
|---|---|---|
| Annual cruise discount | $200/year | annual |
| Global Entry/TSA PreCheck application fee credit | $30/year | once every 4 years |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Priority boarding via a dedicated suite entrance
- Priority/expedited luggage delivery
- Dedicated suite boarding lane
- Access to special onboard events
- Visa Signature travel and purchase protections
Does the fee earn out? · how we got this
The printed statement credits ($230/yr) cover the $99 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.
Is this $99 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Compared head-to-head
- Royal ONE Plus Visa Signature vs Chase Sapphire Reserve — which earns more?
- Royal ONE Plus Visa Signature vs American Express Gold Card — which earns more?
- Royal ONE Plus Visa Signature vs The Platinum Card from American Express — which earns more?
- Royal ONE Plus Visa Signature vs Blue Cash Preferred Card from American Express — which earns more?
- Royal ONE Plus Visa Signature vs Citi Strata Premier® Card — which earns more?
- Royal ONE Plus Visa Signature vs Capital One Venture X — which earns more?
- Royal ONE Plus Visa Signature vs AAA Travel Advantage Visa Signature — which earns more?
- Royal ONE Plus Visa Signature vs Travel Rewards+ (Elan) — which earns more?
Don't want the fee any more?
Royal ONE Plus Visa Signature can normally be product-changed to one lower-fee card in the Bank of America Royal Caribbean family instead of being closed — which keeps the account, its age and its credit line.
More from Bank of America
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.bankofamerica.com · thepointsguy.com · www.nerdwallet.com. Spot an error? Tell us.