RateHerald

Our illustration, not the card’s design

Bank of America credit card

Royal ONE Plus™ Visa Signature® Credit Card

$99 a year. 60,000 points after you spend $2,500 in 3 months. Purchase APR 17.74–27.74%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Bank of America’s terms

Welcome offer

60,000 points

After you spend $2,500 on purchases in your first 3 months.

Spending it takes
$833 a month
for 3 months
Tracking since
Oct 4, 2026
history will chart every change

60,000 bonus points, redeemable for $600 in onboard credit or cruise discounts.

  • Larger than about 75% of the 44 other points bonuses we track.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender−$100−$100
Typical spender−$100−$100
Heavy spender−$100−$100
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at an assumed 1¢; rewards spendable only with Enjoy Royal ONE Rewards℠: not counted (brand_rewards).

−$100a year

The same in the first year and after.

Rewards and credits$0

−$100 after the fee−$100 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢; rewards spendable only with Enjoy Royal ONE Rewards℠: not counted (brand_rewards).

−$100a year

The same in the first year and after.

Rewards and credits$0

−$100 after the fee−$100 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢; rewards spendable only with Enjoy Royal ONE Rewards℠: not counted (brand_rewards).

−$100a year

The same in the first year and after.

Rewards and credits$0

−$100 after the fee−$100 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢; rewards spendable only with Enjoy Royal ONE Rewards℠: not counted (brand_rewards).

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

  • Lower top APR than about 55% of the 163 cards on our Sign-up bonuses list (see the list).

Other points cards with fees up to $100

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Enjoy Royal ONE Rewards℠

How you earn

4×
eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases
2×
eligible airline purchaseseligible hotel purchaseseligible dining purchaseseligible grocery purchaseseligible gas purchaseseligible EV charging station purchases
1×
Everything else

Points per dollar. “What it’s worth” values a point at an assumed 1¢.

Benefits

  • Global Entry/TSA PreCheck credit: $120 every 4 years
  • Up to $120 Global Entry/TSA PreCheck in statement credits every 4 years
  • Priority suite boarding and luggage
  • $200 cruise discount after spending $20,000 on purchases every year
  • Points can be redeemed for onboard credit or cruise discounts toward cruises on Royal Caribbean®, Celebrity Cruises® and Silversea®

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Intro APR
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Penalty APR
Late payment
Foreign transactions
Grace period

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
$99 · bankofamerica.com, since Oct 4, 2026
Does it charge a foreign transaction fee?
No. · bankofamerica.com, since Oct 8, 2026
What is the purchase APR?
17.74–27.74% APR · bankofamerica.com, since Oct 4, 2026
Is there a welcome bonus?
60,000 points after $2,500 in purchases in 3 months. · bankofamerica.com, since Oct 4, 2026
See it on bankofamerica.com

We don’t earn anything from this link.