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Royal ONE Plus™ Visa Signature® Credit Card from Bank of America: annual fee, APR and rewards

Fact sheet for the Royal ONE Plus™ Visa Signature® Credit Card, issued by Bank of America, with a $99 annual fee and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Bank of America
Network	Visa
Annual fee	$99 a year
Rewards	Points: Earn 4 points for every $1 on eligible Royal Caribbean, Celebrity Cruises or Silversea purchases; 2 points for every $1 on eligible airline, hotel, dining, gas/EV charging station and grocery purchases; 1 point for every $1 on other purchases
Purchase APR	17.74% to 27.74%, based on your creditworthiness, when you open your account. This APR will vary with the market based on the Prime Rate.
Balance transfer fee	5% of the amount of each transaction
Sign-up bonus	Online Offer: 60,000 bonus points (a $600 value) after making at least $2,500 in purchases (excluding fees) that post within 90 days of account opening
Foreign transaction fee	None

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Checked on October 16, 2026 on the issuer's official site. Terms change: confirm before you apply. bankofamerica.com/credit-cards/products/royal-one-p… · bankofamerica.com/credit-cards · bankofamerica.com/credit-cards/terms-and-conditions

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