Royal ONE Visa Signature
No annual fee · $100/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Terms verified 2026-08-21 against issuer terms
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Travel | 3x 3.0¢ per $1 |
uncapped |
| Gas | 2x 2.0¢ per $1 |
uncapped |
| Groceries | 2x 2.0¢ per $1 |
uncapped |
| Everything else | 1x 1.0¢ per $1 |
uncapped |
Statement credits — $100/yr on paper · how we got this
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Priority boarding on Royal Caribbean and Celebrity sailings
- Visa Signature travel and purchase protections
- No annual fee, no foreign transaction fee
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
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.
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.