Royal Caribbean, Bank of America Roll Out Royal ONE Visa Cards

Royal Caribbean Group and Bank of America are rolling out two new Visa Signature credit cards, Royal ONE Visa Signature and Royal ONE Plus Visa Signature, designed to let travelers earn and redeem rewards across Royal Caribbean, Celebrity Cruises, and Silversea.

Royal Caribbean Group said the tri-branded cards are expected to become available in the coming weeks, positioning the launch as part of a broader effort to refresh how recognition and loyalty benefits work across its three participating brands.

How Royal Caribbean Group says the Royal ONE cards are designed to work

Royal Caribbean Group described the new products as a way to combine everyday spending and cruise purchases into a single points-earning and redemption structure that can be used across Royal Caribbean, Celebrity Cruises, and Silversea.

Jason Liberty, chairman and CEO of Royal Caribbean Group, said the cards are intended to “strengthen recognition and rewards for loyal guests” across the company’s brands, adding that the goal is to connect how guests vacation with Royal Caribbean, Celebrity, and Silversea so earning and redeeming rewards becomes more seamless.

Lora Monfared, head of consumer card products at Bank of America, said the expanded partnership is meant to give travelers a choice between a no-annual-fee option and a higher-rewards option, allowing customers to pick the structure that best matches their spending patterns and travel plans.

Key differences between Royal ONE and Royal ONE Plus

• Royal ONE Visa Signature: The no-annual-fee card earns 3x points on purchases with Royal Caribbean, Celebrity, and Silversea, plus 2x points on groceries, gas, and electric vehicle charging and 1x point on other purchases. Royal Caribbean Group said it also includes cruise-oriented perks such as priority boarding for Royal Caribbean and Celebrity Cruises, as well as a $100 anniversary reward after qualifying spend.
• Royal ONE Plus Visa Signature: The $99 annual-fee card earns 4x points on purchases with Royal Caribbean, Celebrity, and Silversea, and adds 2x points on categories including airfare, hotels, and dining (along with grocery, gas, and electric vehicle charging, plus other eligible categories described in program details). Additional benefits cited by the companies include priority suite boarding for Royal Caribbean, Celebrity, and Silversea, priority luggage handling for Royal Caribbean and Celebrity Cruises, a $200 anniversary reward after qualifying spend, and up to a $120 TSA PreCheck or Global Entry credit every four years.

Shared features across both Visa Signature products

Royal Caribbean Group said both cards include Visa Signature travel protections and no foreign transaction fees. The company also highlighted that boarding-related perks are part of the program, with benefits varying by cruise brand and by which card tier a guest carries.

How the cards fit into Royal Caribbean Group’s wider loyalty changes

The credit cards build on a set of loyalty initiatives Royal Caribbean Group has rolled out across its portfolio. In May 2024, the group introduced its Status Match Program, allowing members of Crown & Anchor Society, Captain’s Club, and Venetian Society to align loyalty tiers across the three brands. In October 2025, the company also introduced Points Choice as another step toward using loyalty value across its portfolio.

Royal Caribbean Group has framed the new cards as a complementary tool, allowing guests to accumulate rewards not only through cruise bookings but also through everyday purchases, then apply those points across the three brands.

Silversea’s Venetian Society updates are scheduled to begin July 1, 2026

Separately from the credit-card rollout, Silversea’s Venetian Society loyalty program is scheduled to change starting July 1, 2026, adding new ways to earn credit toward status and introducing additional recognition points along the member journey.

Bert Hernandez, president of Silversea, said Venetian Society members are “the heart of Silversea,” describing the update as an expanded approach to recognizing loyalty, including earlier milestones and additional benefits.

Under the updated structure, Silversea will continue awarding one VS Day for each cruise day sailed, while adding new earning opportunities tied to certain land components and qualifying solo travel. The company also plans additional milestones at lower thresholds and expanded benefits at higher levels, including items such as onboard credit on new bookings at specified tiers and perks like premium Wi-Fi and priority embarkation at select top-tier thresholds.

Industry context and the push to unify rewards

Royal Caribbean Group’s launch comes as other cruise lines, including Carnival and Norwegian Cruise Line, focus on refining rewards structures. Royal Caribbean Group has described its approach as the first tri-branded credit-card program in the cruise sector, unifying rewards across nearly 60 vessels under a single umbrella while allowing cruisers to leverage the program for daily spending as well as vacation planning.

Targeting newer cruisers alongside frequent guests

Beyond repeat cruisers, Royal Caribbean Group has tied the cards to an effort to attract younger travelers, a demographic the company sees as increasingly drawn to cruising. Ships such as Icon of the Seas and Utopia of the Seas have been designed with entertainment-rich amenities and modern experiences that appeal to millennials and Gen Z, and the company’s rewards strategy links those vacation experiences to everyday consumer spending habits.

Story A also noted that the investment community sees potential upside in building longer-term relationships with younger guests, encouraging repeat cruises, and increasing onboard spending through integrated loyalty offerings, as Royal Caribbean Group competes on perks while trying to maintain program value.

Frequently Asked Questions (FAQs)

What does “tri-branded” mean for the Royal ONE credit cards?

It means the cards are designed for earning and redemption across three Royal Caribbean Group brands: Royal Caribbean, Celebrity Cruises, and Silversea.

What is the main difference between Royal ONE and Royal ONE Plus?

Royal ONE has no annual fee and offers 3x points on purchases with Royal Caribbean, Celebrity, and Silversea, while Royal ONE Plus has a $99 annual fee, offers 4x points with those brands, and includes added perks such as a TSA PreCheck/Global Entry credit and additional boarding benefits.

Do both cards charge foreign transaction fees?

No. Royal Caribbean Group said both cards include no foreign transaction fees and come with Visa Signature travel protections.

When will the cards be available?

Royal Caribbean Group and Bank of America said the cards are expected to be available in the coming weeks.

What is Royal Caribbean Group’s Status Match Program?

Introduced in May 2024, the Status Match Program allows members of Royal Caribbean Group’s Crown & Anchor Society, Captain’s Club, and Venetian Society programs to align their loyalty tiers across all three brands.

The Royal ONE and Royal ONE Plus cards are expected to roll out in the near term, while Silversea’s next major Venetian Society update is scheduled to begin July 1, 2026.