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Royal ONE Plus™ Visa Signature® Credit Card

Royal ONE Rewards points

Welcome bonus

60,000 points

≈ $600 at 1.0¢ per point

after $2,500 spend in 3 months

Annual fee$99

Value per point~1.0¢issuer’s stated value (no published valuations)

First-year value*$1,021easy credits counted · $991 with none

Year 2+ value*$421each year after the first, after the fee · $391 with no credits

$99 fee vs $30+ in stated credits a yearFace value. You’d use $30 by our default → yearly cost after year 1 $69 ↓

Worth 1.0¢ per cent (cash back)

See the offer on Bank of America’s site ↗ Run your own numbers

Data checked by Chris Manns · Last updated October 23, 2026

Source: Bank of America card page · checked October 23, 2026. *Value uses our sample profile ($31,100/yr spend, no favorite airline or hotel) and the issuer’s stated value of 1.0¢ per point (no published valuations exist) — see method.

Credits & perks

Annual fee$99

Stated credits a year$30+face value, as Bank of America states it

+ $200 more only if you hit a yearly spend threshold

Face value isn’t real value. A $25-a-month credit for something you’d never buy is worth $0 to you, and most credits are use-it-or-lose-it by month, quarter or half-year. Tick only what you’d spend on anyway.

Which would you actually use?

Our assumption: the boxes ticked to start are the “easy” credits: broad, flexible or automatic (general travel credits, airline-fee credits on any airline, Global Entry/TSA, anniversary free nights). Niche or single-merchant credits start unticked. Your choices are saved in this browser and also used by the calculator.

Anniversary Reward: cruise discount$200/yr$200 cruise discount each year · After spending $20,000 on purchases every year.niche from year 2 needs $20,000/yr spend co-brand
Global Entry / TSA PreCheck / NEXUS application fee credit$120 every 4 yrs ≈ $30/yrup to $120 once every 4 years · Statement credits for the Global Entry or TSA PreCheck application fee; up to $120 every 4 years.easy airport

Your net cost$69Yearly cost after year 1: annual fee − credits you’ll use ($30)

Year 2+ value*$421each year after the first, after the annual fee, with your ticks

First-year value*$1,021bonus + earning + credits − fee

Counts each ticked credit at 100% of face value. Global Entry/TSA counts as a quarter a year. Free nights use our point values. *At our sample profile; how credits are counted.

Perks with no stated $ value

Lounges, status, bags and similar. We don’t put a number on these unless the issuer does.

boarding Priority suite boarding
bags Priority luggage
other No foreign transaction fees

Source: Bank of America card page and benefit terms · checked 2026-10-23.

How it earns

4x Royal Caribbean / Celebrity / Silversea only Cruises (booked with the cruise line)
2x Flights (booked with the airline), Hotels (booked with the hotel), Dining & takeout, Groceries, Gas & EV charging
1x everything else

4x on eligible Royal Caribbean, Celebrity Cruises and Silversea purchases (counted when your main cruise line is one of these three).
2x on airline, hotel, dining, grocery, gas and EV charging.
Spend window is 90 days. Points redeem for onboard credit or cruise discounts with Royal Caribbean, Celebrity and Silversea.

Offer details

60,000 points after $2,500 in 3 months

Annual fee $99. Credits from the issuer page are in Credits & perks above.

Questions about the Royal ONE Plus Visa Signature

What is the Royal ONE Plus Visa Signature welcome bonus?

60,000 points after $2,500 in 3 months, about $600 at the median published point value, per Bank of America’s card page checked October 23, 2026.

What is the Royal ONE Plus Visa Signature annual fee?

$99 a year, as listed on Bank of America’s page on October 23, 2026.

How much are its points worth?

About 1.0¢ each: the issuer’s stated redemption value (Bank of America: 30,000 points “redeemable for $300 in onboard credit or cruise discounts”); no published valuations exist, checked October 23, 2026. Points only go this far on the issuer’s own redemptions.

What credits does the Royal ONE Plus Visa Signature include?

$30 a year in stated credits at face value, across 2 credits. By our default (only easy, flexible credits) you’d use $30, so the yearly cost after year 1 is $69.

Is the Royal ONE Plus Visa Signature worth it?

It depends on your spending. At our sample profile ($31,100 a year, easy credits only) it comes to $1,021 in the first year and $421 each year after (Year 2+ value, after the annual fee). Enter your own numbers in the calculator.

The math at our sample profile

Sample: Dining & takeout $4,800 · Groceries $7,200 · Gas & EV charging $2,400 · Flights (booked with the airline) $2,000 · Hotels (booked with the hotel) $1,500 · Other travel $1,200 · Everything else $12,000. Credits: our default “easy” ticks.

Welcome bonus: 60,000 points × 1.0¢	$600
A year of earning: 49,000 points × 1.0¢	$490
Global Entry / TSA PreCheck / NEXUS application fee credit ($120 ÷ 4 yrs)	$30
Annual fee	−$99
First year / Year 2+	$1,021 / $421

Use my own spending →

Verify everything on the issuer’s site before applying; offers change and may differ for you. We don’t list APRs: see the issuer’s pricing & terms. TravelCardMath earns nothing from this card today.