RateHerald

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Bank of America credit card

Royal ONE™ Visa Signature® Credit Card

  • APR up · 17.49%17.74% · Oct 4, 2026

No annual fee. 30,000 points after you spend $1,500 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

30,000 points

After you spend $1,500 on purchases in your first 3 months.

Spending it takes
$500 a month
for 3 months
Tracking since
Oct 4, 2026
history will chart every change

30,000 bonus points after spending $1,500 on purchases within the first 90 days of account opening; redeemable for $300 in onboard credit or cruise discounts.

  • Larger than about 60% 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$0$0
Typical spender$0$0
Heavy spender$0$0
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 Royal ONE Rewards SM: not counted (brand_rewards).

$0a year

The same in the first year and after.

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 Royal ONE Rewards SM: not counted (brand_rewards).

$0a year

The same in the first year and after.

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 Royal ONE Rewards SM: not counted (brand_rewards).

$0a year

The same in the first year and after.

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 Royal ONE Rewards SM: 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

  • No annual fee, like about 85% of the 711 cards we track.
  • Lower top APR than about 55% of the 163 cards on our Sign-up bonuses list (see the list).

Other points cards with no annual fee

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

Royal ONE Rewards SM

How you earn

3×
eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases
2×
eligible 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

  • $100 cruise discount after spending $10,000 on purchases every year.
  • Priority boarding.
  • Access to exclusive cardholder events.
  • Points can be redeemed for onboard credit toward specialty dining, beverage packages, Wi-Fi, shore excursions and more.
  • No foreign transaction fees.

Changes

17.49%17.74% since Oct 4Oct 4Today
  • Oct 4, 2026 APR 17.49%17.74%

Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.

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?
None · bankofamerica.com, since Oct 11, 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?
30,000 points after $1,500 in purchases in 3 months. · bankofamerica.com, since Oct 4, 2026
See it on bankofamerica.com

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