Royal Caribbean and Bank of America Launch 2 New Co-Branded Credit Cards

Updated: March 31, 2026, 10:00am CDT

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Royal Caribbean’s New Bank of America Credit Cards
Final Thoughts

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Royal Caribbean has teamed up with Bank of America to issue a new lineup of co-branded credit cards, which will be available to consumers in the next few weeks.

A unique feature of these new cards is that they allow cardholders to earn and redeem rewards across 3 brands: Royal Caribbean, Celebrity Cruises, and Silversea.

Here’s a look at the new cards and their associated earning structures, perks, and benefits, so you can decide whether either is a good fit for your wallet.

Royal Caribbean’s New Bank of America Credit Cards

Soon, consumers will be able to apply for the upcoming Royal ONE™ Visa Signature^® Credit Card and the Royal ONE Plus™ Visa Signature^® Credit Card, a pair of new co-branded cards issued by Bank of America that will allow cardholders to earn and redeem rewards across 3 major cruise lines: Royal Caribbean, Celebrity Cruises, and Silversea.

Celebrity Edge — Image Credit: Celebrity Cruises

Let’s take a look at the highlights of each card, including their earning structures and what they offer in terms of perks and benefits:

Royal ONE Card

The Royal ONE card is the entry-level offering in this new lineup. It doesn’t charge an annual fee and offers the following earning structure:

Earn 3x points on Royal Caribbean, Celebrity Cruises, and Silversea purchases.
Earn 2x points on grocery, gas, and EV charging.
Earn 1x points on all other purchases.

The card comes with a few other perks, too, including priority boarding on Royal Caribbean and Celebrity sailings, a $100 anniversary reward after qualifying spend, Visa Signature perks and protections, and no foreign transaction fees.

Royal ONE Plus Card

The Royal ONE Plus card is the top-tier offering and charges a $99 annual fee. In exchange, you’ll earn points at the following rates:

Earn 4x points on Royal Caribbean, Celebrity Cruises, and Silversea purchases.
Earn 2x points on grocery, gas, EV charging, airfare, hotels, and dining.
Earn 1x points on all other purchases.

This card comes with a more extensive list of perks, given its annual fee. These include priority suite boarding on Royal Caribbean, Celebrity, and Silversea sailings, priority luggage handling with Royal Caribbean and Celebrity sailings, a $200 anniversary reward after qualifying spend, an up-to-$120 statement credit for TSA PreCheck or Global Entry (valid every 4 years), Visa Signature perks and protections, and no foreign transaction fees.

Points earned on these cards can be redeemed for savings on sailings, onboard experiences like special meals, excursions on shore, onboard Wi-Fi, and more.

Hot Tip:

Learn more about the Royal Caribbean Crown & Anchor Society loyalty program in our full review.

Final Thoughts

Royal Caribbean and Bank of America are out with a pair of new credit cards that allow cardholders to earn and redeem points across the 3 Royal Caribbean brands. If you’re a fan of Royal Caribbean and sail with frequency, each of these cards offers a fairly enticing earning structure and a suite of perks that can help you save money on your next cruise — plus enhance the experience during your sailing.