Royal ONE Visa Signature
No annual fee · $100/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Travel | 3x | uncapped |
| Gas | 2x | uncapped |
| Groceries | 2x | uncapped |
| Everything else | 1x | uncapped |
See how it ranks: best travel cards · best gas cards · best groceries cards.
Statement credits — $100/yr on paper
| Credit | Value | How it pays |
|---|---|---|
| Anniversary cruise-discount reward | $100/year | annual · resets on your card anniversary |
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?
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
- Air France KLM Visa Signature $89/yr
- Allways Rewards Visa $59/yr
- Bank of America Alaska Airlines Visa Signature (Atmos Rewards Ascent) $95/yr
- Bank of America Alaska Airlines Visa Signature Business (Atmos Rewards) $70/yr
- Bank of America Atmos Rewards Summit Visa Infinite $395/yr
- Bank of America Business Advantage Customized Cash Rewards
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.