Royal One™ Visa Signature® Credit Card
A no-annual-fee points card from Bank of America, National Association.
Bank of America, National Association · VISA
- Annual fee
- $0
- Purchase APR
- 17.49–27.49%variable
- Signup bonus
- $300
- Foreign transaction
- None
Earn Rules
| Grocery | 2.00% |
| All Other | 1.00% |
Rates with strings attached
These apply only at a specific brand, or need something beyond how you spend, like a balance held with the issuer or a status tier. They are real, but we do not count them in the value above, which uses the rates any cardholder earns on ordinary spending.
| on Royal Caribbean®, Celebrity Cruises® and Silversea® purchases | 3.00% |
Statement Credits
Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.
| $100 cruise discount after spending $10,000 on purchases every yearyearSource ↗ | $100/yr |
| Total credits / year we count | $100 |
Why this differs from the issuer's headline number. Card marketing sums every credit at full value and assumes you use all of them. We count each credit at face value too, but only the ones shown above. A credit you won't use is worth $0 to you, so the honest number for most people is lower than the brochure. Decide which ones fit your life; the calculator counts what you tell it to.
Signup Bonus
30,000 bonus points, redeemable for $300 in onboard credit or cruise discounts, after spending $1,500 on purchases within the first 90 days of account opening
Value: $300 · Spend $1,500 in 3 months
This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.
Who This Card Makes Sense For
- People who occasionally carry a balance. With no annual fee on top, the interest is the only cost.
Wondering if this card pays off for your situation? Is the Royal One™ Visa Signature® Credit Card worth it? →
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