Atlas by Shumba Travel · Ask Atlas
Does Royal Caribbean have a credit card?
Yes. Royal Caribbean Group partners with Bank of America on two Visa Signature cards, Royal ONE and Royal ONE Plus, that earn points across Royal Caribbean, Celebrity Cruises, and Silversea. Redeem those points for cruise discounts and onboard credit, and remember they sit in their own rewards bucket, separate from Crown & Anchor. When you sail, Royal ONE shows up on your SeaPass so crew can treat you like the royalty you are. Here is how the two cards stack up:
- Royal ONE ($0 annual fee): 3x points on eligible Royal Caribbean, Celebrity, and Silversea purchases; 2x on eligible grocery, gas, and EV charging; 1x everywhere else
- Royal ONE cruise perks: priority boarding in a dedicated Royal ONE line, plus a $100 anniversary cruise discount after $10,000 in card spend the prior anniversary year
- Royal ONE Plus ($99 annual fee): 4x points on eligible Royal Caribbean Group cruise purchases; 2x on eligible airline, hotel, dining, grocery, gas, and EV charging; 1x everywhere else
- Royal ONE Plus cruise perks: priority boarding through the suite entrance, priority luggage delivery, plus a $200 anniversary cruise discount after $20,000 in card spend the prior anniversary year
- Royal ONE Plus extras: up to $120 in TSA PreCheck or Global Entry statement credits every four years
- Both cards: no foreign transaction fees, Visa Signature travel protections, points that do not expire, and redemptions starting at 5,000 points for cruise discounts or onboard credit
Priority boarding is available at select terminals only, and the boarding perk covers everyone in the cardholder's stateroom, not linked cabins next door. Existing Royal Caribbean or Celebrity Visa Signature cardholders convert to Royal ONE automatically when their new card arrives. Offers and fees can change, so check the official application disclosures before you apply. U.S. residents and residents of U.S. territories are eligible.
Source: Royal Caribbean, Royal Caribbean, Royal Caribbean, Royal Caribbean, Bank of America
Last verified 2026-07-17