Followers of Royal Caribbean, Movie star Cruises and Silversea Cruises now have a quicker technique to earn cruise rewards and the pliability to redeem factors throughout the three sister cruise manufacturers with the Royal ONE™ Visa Signature® credit card.
Whereas the cardboard doesn’t sync with the loyalty applications of those cruise traces, it does let cruise aficionados earn factors on each cruise and on a regular basis purchases with no annual charge. Cardholders obtain particular perks, similar to precedence boarding, and might redeem factors for cruise reductions and onboard credit score.
The Royal ONE Visa Signature is usually a good possibility for devoted Royal Caribbean followers centered on cruise trip financial savings, however a extra versatile rewards card has the potential to supply better worth.
Card ranking*: ⭐⭐⭐
*Card rating is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Royal ONE Visa Signature: The fundamentals
Royal Caribbean Group is eliminating its individually branded bank cards in favor of two new tri-branded playing cards, together with the Royal ONE Visa Signature.
This card is focused at cruise followers who predominantly e book sailings on Royal Caribbean, Silversea and Celebrity Cruises. It presents the pliability to earn and redeem factors throughout all three cruise traces.
The Royal ONE Visa Signature bank card has no annual fee. Cardholders who spend $2,000 with the cardboard within the first 90 days after account opening will earn a welcome bonus of 45,000 factors.
Cardholders can earn additional factors on each cruise and non-cruise purchases. You may earn 3 factors per greenback spent on Royal Caribbean, Movie star Cruises and Silversea purchases, and a pair of factors per greenback spent on gasoline, grocery and EV charging purchases. All different purchases earn 1 level per greenback spent.
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You may redeem factors throughout the three Royal Caribbean Group manufacturers for cruise reductions and onboard credit score (cash added to your shipboard account to pay for trip bills similar to specialty eating, beverage packages, Wi-Fi and shore excursions). One level equals one cent, and the minimal redemption is 5,000 factors (equal to a $50 low cost or credit score). Factors can’t be used to pay for taxes, charges or gratuities.
Extra perks embrace a $100 cruise low cost, credited to your account in your account opening anniversary, for those who spend $10,000 or extra with the cardboard within the earlier 12 months. Cardholders can even entry precedence boarding on embarkation day in a particular cardholder line (not obtainable on all cruise departures).
This card makes probably the most sense for frequent cruisers who’re loyal to Royal — particularly in the event that they spend loads on board.
Royal ONE Visa Signature execs and cons
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Rewards restricted to cruise-related reductions |
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Elevated earnings on cruise purchases
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No reference to cruise loyalty applications |
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Bonus classes for on a regular basis spending
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No overseas transaction charges
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Royal ONE Visa Signature advantages
The Royal ONE Visa Signature’s advantages are pretty easy for Royal Caribbean cruise followers.
No annual charge and elevated welcome bonus
The obvious perk of the Royal ONE Visa Signature is that you just get all the advantages with no annual charge.
As well as, the 45,000-point welcome bonus is larger than the everyday welcome bonus on the outdated Royal Caribbean Visa Signature bank card (not obtainable), which was usually round 30,000 factors. Nevertheless, you do have to spend extra ($2,000 vs. $1,000) to earn it.
The data for the Royal Caribbean Visa Signature bank card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Bonus earnings on cruise and non-cruise purchases
In comparison with the earlier Royal Caribbean and Movie star Cruises Visa Signature® bank cards, the Royal ONE Visa Signature presents extra methods to earn additional factors.
Whereas the earlier playing cards earned 2 factors per greenback spent on cruise purchases and 1 level per greenback on every little thing else, the present card presents 3 factors per greenback on Royal Caribbean Group purchases and 2 factors per greenback on groceries, gasoline and EV charging. All different purchases proceed to earn 1 level per greenback.
The data for the Movie star Cruises Visa has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Observe you can earn 3 factors per greenback whenever you e book a cruise, on pre-cruise purchases by way of the cruise line (similar to shore tour reservations or drink packages) and onboard bills. In case you e book your cruise by way of a journey agent or one other unbiased vendor, you may want to ensure the transaction codes as a Royal Caribbean buy to obtain the extra factors.
Additionally, in contrast to earlier playing cards, there is no such thing as a restrict to the variety of factors you’ll be able to earn annually. Factors by no means expire, so it can save you up for an enormous low cost in your subsequent cruise.
Versatile redemptions and perks throughout Royal Caribbean Group manufacturers
Beforehand, Movie star Cruises and Royal Caribbean provided particular person cobranded bank cards, though you may redeem factors throughout each traces on every card. The brand new Royal ONE card simplifies issues for followers of all three by providing a single bank card that serves Royal Caribbean, Movie star and Silversea.
Whenever you redeem factors for Royal ONE Rewards, you’ll be able to entry reductions and onboard credit score on any of the three cruise traces. Meaning you’ll be able to earn factors when reserving a Royal Caribbean cruise, however redeem the factors for a reduction on a Silversea crusing or onboard credit score on a Movie star cruise.
Plus, the extra perks of a $100 anniversary low cost (after spending $10,000 yearly on the cardboard) and precedence boarding (the place relevant) apply throughout the three manufacturers and supply additional worth.
Extra advantages
Along with cruise-related perks, Royal ONE Visa Signature cardholders earn typical Financial institution of America protections, similar to a $0 legal responsibility assure for fraudulent expenses, prolonged guarantee safety and overdraft safety.
Journey protections embrace a automobile rental collision harm waiver, primary journey insurance coverage, journey and emergency help companies, misplaced baggage reimbursement and Roadside Dispatch.
Cardholders have entry to the Visa Signature® Concierge, who can help with journey and eating reservations, reward and floral supply and different life-style requests. They’ll additionally obtain particular charges on Visa Signature® Luxurious Lodge Assortment bookings.
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Tips on how to earn and use your rewards
The Royal ONE Visa Signature card is easy in the case of incomes and redeeming factors.
You may earn factors for purchases on the following charges:
- 3 factors per greenback spent on Royal Caribbean, Movie star Cruises and Silversea purchases
- 2 factors per greenback spent on groceries, gasoline and EV charging stations
- 1 level per greenback spent on every little thing else
Cruise loyalists who already maintain Royal Caribbean and Movie star bank cards may have their current factors balances transferred to their new Royal ONE account on the similar worth.
You may redeem factors for reductions on Royal Caribbean model cruises or onboard credit score (which features as a credit score in your onboard account). One level is equal to 1 cent, and the minimal redemption is 5,000 factors for $50 in credit score or a $50 low cost in your cruise buy.
You may redeem factors by way of the related Royal Caribbean Group cruise line’s web site or app, or by calling the road’s reservations name middle.
You can save up factors to cowl your whole cruise fare (for instance, you’d want 100,000 factors to get a $1,000 cruise without spending a dime).
However frequent cruisers may discover it makes extra sense to pay for the cruise fare with their Royal ONE Visa Signature after which use the earned factors to pay for shore excursions, onboard credit score to purchase drinks, spa therapies and souvenirs. That approach, they don’t seem to be sitting on factors and might get rewards extra rapidly.
For instance, for those who paid $5,000 for a cruise, you’ll earn 15,000 factors, which might equal $150 you may apply to bills throughout your cruise.
Even on luxurious cruise line Silversea, which incorporates alcoholic and nonalcoholic drinks, onboard gratuities and Wi-Fi in its base charges, you continue to have to pay additional for sure eating experiences, premium liquors, spa therapies, shore excursions and boutique purchases. You may redeem factors for onboard credit score to deal with your self to those extras.
The place Royal ONE Visa Signature falls quick
An important factor for cruise followers to know in regards to the Royal ONE Visa Signature is that it doesn’t sync with the cruise traces’ loyalty applications (Royal Caribbean Crown & Anchor Society, Celebrity Cruises Captain’s Club and Silversea Cruises Venetian Society).
Not like with airline cards or hotel cards, the place bank card earnings can present a quicker path to higher-tier loyalty standing, your Royal ONE factors earnings won’t impression your loyalty standing on board.
As well as, suite friends and sure top-tier loyalty program members already obtain expedited boarding, in order that bank card perk just isn’t as beneficial for them.
The bank card perks and redemption choices are pretty restricted, in comparison with flexible currency cards and even sure airline and resort playing cards. You can not switch Royal ONE Rewards factors to airline or resort currencies or use them to e book different varieties of journey.
Lastly, the mounted worth of factors at 1 cent every just isn’t as beneficial as vacationers may get with a extra versatile rewards card.
Royal ONE Visa Signature vs. Royal ONE Plus Visa Signature
Royal Caribbean loyalists searching for a extra premium card can even take into account the Royal ONE Plus™ Visa Signature® credit card.
The Royal ONE Plus presents further advantages, but in addition comes with an annual charge of $99.
The premium card presents further incomes alternatives:
- 4 factors per greenback spent on Royal Caribbean, Movie star Cruises and Silversea purchases
- 2 factors per greenback on groceries, gasoline and EV charging, and on eligible airline, resort and eating purchases
- 1 level per greenback spent on every little thing else
The anniversary cruise low cost is bigger: $200 yearly after $20,000 annual spend on the cardboard. Perks embrace precedence boarding by way of the suite entrance (vs. a devoted Royal ONE line), precedence baggage supply and as much as a $120 assertion credit score for Global Entry or TSA PreCheck functions each 4 years.
The annual charge is low sufficient, particularly since it will likely be partially offset by the Identified Traveler Program assertion credit score, that the Royal ONE Plus Visa Signature makes extra sense for the devoted Royal Caribbean cruiser. It has the potential for a lot better earnings and the journey perks are higher than the usual Royal ONE Visa.
Nevertheless, cruise vacationers who do not count on to spend $20,000 on the cardboard or who use different playing cards for resort and airline purchases may not absolutely maximize the premium card’s advantages. They’re going to get extra worth from the no-annual-fee card.
Is the Royal ONE Visa Signature price it?
Diehard Royal Caribbean, Movie star and Silversea cruise followers who primarily drive to cruise house ports and do not e book many flights and inns might get worth out of the Royal ONE Visa Signature by consolidating their spending on this card. In case your journey bills solely lengthen to Royal Caribbean Group model cruises, you may profit from the cruise reductions.
Nevertheless, if a cruise is only one a part of your journey plans, different journey rewards playing cards can get you higher worth than 1 cent per level on flight and resort bookings. You would be higher off paying for cruises with these playing cards and stretching your factors additional with redemptions on pre-cruise air and resort (or non-cruise holidays).
Associated: What are points and miles worth? TPG’s monthly valuations
When to use for the Royal ONE Visa Signature
For a restricted time, you may obtain a welcome bonus of 45,000 bonus factors whenever you spend $2,000 together with your Royal ONE Visa Signature inside 90 days of opening an account. These factors are redeemable for $450 in cruise reductions or onboard credit score throughout the three Royal Caribbean Group manufacturers.
Royal Caribbean followers who presently maintain the Royal Caribbean or Movie star Cruises Visa card can be mechanically switched to a Royal ONE Visa Signature. You may count on to obtain a brand new card beginning June 2026, and your present card will proceed to work till your new card arrives. Nevertheless, current cardholders won’t be eligible for the welcome bonus.
Different playing cards to think about if you do not need a Royal ONE Visa Signature
Cruise aficionados, even when they’re dedicated to the Royal Caribbean manufacturers, will doubtless discover higher worth from their card spending with a versatile rewards card or a money again card. Listed below are some alternate options.
- Chase Sapphire Preferred® Card (see rates and fees): This card is an efficient possibility in order for you a wide range of elevated incomes choices (eating, groceries, journey) and redemption choices. Factors may be transferred into quite a few airline and resort applications or redeemed by way of the Chase Journey℠ portal. (And, sure, you’ll be able to book cruises through Chase.) It additionally presents a better welcome bonus, although it does have a $95 annual charge. To be taught extra, try our full review of the Sapphire Preferred card.
- American Express® Green Card: This card earns 3 Membership Rewards factors per greenback on all travel purchases, so your pre-cruise airfare and resort, in addition to non-cruise holidays, all supply elevated earnings alternatives along with your cruise reserving. Plus, you could have factors switch alternatives not obtainable on the Royal ONE card. For extra data, learn our full review of the Amex Green.
- Citi Double Cash® Card (see rates and fees): For cruise vacationers who’d want to earn money again as a substitute of factors, this card presents a flat incomes fee and no annual charge. You may earn 2% money again on all purchases, 1% whenever you purchase and an additional 1% whenever you pay to your buy, and extra money again on choose journey (sadly, not cruises) booked by way of Citi Journey. It is a great way to maximise your non-cruise spending and save the money again to cowl cruise prices. For extra data, learn our full review of the Citi Double Cash Card.
For extra choices, see our full lists of the best cash-back and general travel rewards bank cards.
The data for the American Categorical Inexperienced Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Associated: The best credit cards for booking cruises
Backside line
Royal Caribbean followers could be thrilled that its three manufacturers have now teamed up for a one-card-fits-all possibility with incomes and redeeming choices throughout Royal Caribbean, Movie star and Silversea. However in comparison with different versatile rewards and cash-back playing cards, the incomes and redemption choices are restricted and the redemption worth low.
Whereas diehard cruise aficionados can definitely earn significant reductions on their cruise holidays with this card, they’ll doubtless get extra incomes energy from a extra versatile bank card.
Apply right here: Royal ONE Visa Signature
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