Royal Caribbean, Bank of America Roll Out Royal ONE Visa Cards
Cruise lines are using credit cards to turn everyday spending into repeat sailings. Royal Caribbean is betting a portfolio-wide program keeps guests from rivals.
Updated May 22, 2026
Royal Caribbean Group and Bank of America have opened applications for 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.
Applications opened April 28. Royal Caribbean Group said the tri-branded products are meant to simplify how guests earn rewards through everyday spending and vacation purchases with its three participating brands, with welcome offers available for new cardholders who meet early spending requirements.
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. The goal, he added, is to connect how guests vacation with Royal Caribbean, Celebrity, and Silversea so earning and redeeming rewards becomes easier.
Lora Monfared, head of consumer card products at Bank of America, said the expanded partnership gives travelers a choice between a no-annual-fee option and a higher-rewards option, letting customers 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. The welcome offer is 45,000 points after spending $2,000 during the first 90 days from account opening.
- 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. The welcome offer is 70,000 points after spending $3,000 during the first 90 days from account opening.
Shared features across both Visa Signature products
Royal Caribbean Group said both cards include Visa Signature travel protections and no foreign transaction fees. Boarding-related perks are also 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 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. Guests can accumulate rewards not only through cruise bookings but also through everyday purchases, then apply those points across the three brands. The company has described the program as the first tri-branded credit-card program in the cruise sector, connecting rewards across nearly 60 vessels under a single umbrella.
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. Those include onboard credit on new bookings at specified tiers and perks such as premium Wi-Fi and priority embarkation at select top-tier thresholds.
