Followers of Royal Caribbean, Movie star Cruises and Silversea Cruises now have a quicker strategy to earn cruise rewards and the pliability to redeem factors throughout the three sister cruise manufacturers with the Royal ONE™ Visa Signature® bank 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 price. Cardholders obtain particular perks, corresponding to precedence boarding, and might redeem factors for cruise reductions and onboard credit score.
The Royal ONE Visa Signature could be a good choice for devoted Royal Caribbean followers targeted on cruise trip financial savings, however a extra versatile rewards card has the potential to supply higher worth.
Card ranking*: ⭐⭐⭐
*Card ranking 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 Movie star Cruises. It provides the pliability to earn and redeem factors throughout all three cruise traces.
The Royal ONE Visa Signature bank card has no annual price. 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 will earn 3 factors per greenback spent on Royal Caribbean, Movie star Cruises and Silversea purchases, and a couple of factors per greenback spent on fuel, grocery and EV charging purchases. All different purchases earn 1 level per greenback spent.
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You’ll be able to 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 corresponding 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.
Further perks embody a $100 cruise low cost, credited to your account in your account opening anniversary, should you spend $10,000 or extra with the cardboard within the earlier 12 months. Cardholders also can entry precedence boarding on embarkation day in a particular cardholder line (not out there 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 lots 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 simple for Royal Caribbean cruise followers.
No annual price and elevated welcome bonus
The obvious perk of the Royal ONE Visa Signature is that you just get all the advantages with no annual price.
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 (now not out there), which was usually round 30,000 factors. Nonetheless, 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 supplied 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 provides 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 provides 3 factors per greenback on Royal Caribbean Group purchases and 2 factors per greenback on groceries, fuel 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 supplied by the cardboard issuer.
Word which you could earn 3 factors per greenback if you e-book a cruise, on pre-cruise purchases via the cruise line (corresponding to shore tour reservations or drink packages) and onboard bills. Should you e-book your cruise via a journey agent or one other unbiased vendor, you may want to verify 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 every year. 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 supplied particular person cobranded bank cards, although you could possibly 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.
If 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. Which means 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 provide additional worth.
Further advantages
Along with cruise-related perks, Royal ONE Visa Signature cardholders earn typical Financial institution of America protections, corresponding to a $0 legal responsibility assure for fraudulent prices, prolonged guarantee safety and overdraft safety.
Journey protections embody a automotive rental collision harm waiver, fundamental 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 way of life requests. They’ll additionally obtain particular charges on Visa Signature® Luxurious Lodge Assortment bookings.
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earn and use your rewards
The Royal ONE Visa Signature card is simple in relation to incomes and redeeming factors.
You will 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, fuel 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 can have their present factors balances transferred to their new Royal ONE account on the similar worth.
You’ll be able to redeem factors for reductions on Royal Caribbean model cruises or onboard credit score (which capabilities 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’ll be able to redeem factors via the related Royal Caribbean Group cruise line’s web site or app, or by calling the road’s reservations name middle.
You possibly can save up factors to cowl your total cruise fare (for instance, you’d want 100,000 factors to get a $1,000 cruise totally free).
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 method, they don’t seem to be sitting on factors and might get rewards extra shortly.
For instance, should you paid $5,000 for a cruise, you’d earn 15,000 factors, which might equal $150 you could possibly 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’ll be able to redeem factors for onboard credit score to deal with your self to those extras.
The place Royal ONE Visa Signature falls brief
An important factor for cruise followers to know concerning the Royal ONE Visa Signature is that it doesn’t sync with the cruise traces’ loyalty applications (Royal Caribbean Crown & Anchor Society, Movie star Cruises Captain’s Membership and Silversea Cruises Venetian Society).
Not like with airline playing cards or lodge playing cards, the place bank card earnings can present a quicker path to higher-tier loyalty standing, your Royal ONE factors earnings is not going to impression your loyalty standing on board.
As well as, suite visitors and sure top-tier loyalty program members already obtain expedited boarding, in order that bank card perk is just not as priceless for them.
The bank card perks and redemption choices are pretty restricted, in comparison with versatile foreign money playing cards and even sure airline and lodge playing cards. You can not switch Royal ONE Rewards factors to airline or lodge currencies or use them to e-book different forms of journey.
Lastly, the fastened worth of factors at 1 cent every is just not as priceless as vacationers may get with a extra versatile rewards card.
Royal ONE Visa Signature vs. Royal ONE Plus Visa Signature
Royal Caribbean loyalists on the lookout for a extra premium card also can think about the Royal ONE Plus™ Visa Signature® bank card.
The Royal ONE Plus provides further advantages, but in addition comes with an annual price of $99.
The premium card provides further incomes alternatives:
- 4 factors per greenback spent on Royal Caribbean, Movie star Cruises and Silversea purchases
- 2 factors per greenback on groceries, fuel and EV charging, and on eligible airline, lodge and eating purchases
- 1 level per greenback spent on every little thing else
The anniversary cruise low cost is larger: $200 yearly after $20,000 annual spend on the cardboard. Perks embody precedence boarding via the suite entrance (vs. a devoted Royal ONE line), precedence baggage supply and as much as a $120 assertion credit score for World Entry or TSA PreCheck purposes each 4 years.
The annual price is low sufficient, particularly since will probably 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 higher earnings and the journey perks are higher than the usual Royal ONE Visa.
Nonetheless, cruise vacationers who do not count on to spend $20,000 on the cardboard or who use different playing cards for lodge and airline purchases may not totally maximize the premium card’s advantages. They will 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 dwelling 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.
Nonetheless, 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 lodge 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 lodge (or non-cruise holidays).
Associated: What are factors and miles price? TPG’s month-to-month 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 if 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 at the moment maintain the Royal Caribbean or Movie star Cruises Visa card shall be robotically switched to a Royal ONE Visa Signature. You’ll be able to count on to obtain a brand new card beginning June 2026, and your present card will proceed to work till your new card arrives. Nonetheless, present cardholders is not going to be eligible for the welcome bonus.
Different playing cards to contemplate 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 here are some options.
- Chase Sapphire Most popular® Card (see charges and charges): This card is an effective choice if you need a wide range of elevated incomes choices (eating, groceries, journey) and redemption choices. Factors will be transferred into quite a few airline and lodge applications or redeemed via the Chase Journey℠ portal. (And, sure, you’ll be able to e-book cruises via Chase.) It additionally provides a better welcome bonus, although it does have a $95 annual price. To study extra, try our full evaluation of the Sapphire Most popular card.
- American Specific® Inexperienced Card: This card earns 3 Membership Rewards factors per greenback on all journey purchases, so your pre-cruise airfare and lodge, in addition to non-cruise holidays, all provide elevated earnings alternatives along with your cruise reserving. Plus, you have got factors switch alternatives not out there on the Royal ONE card. For extra info, learn our full evaluation of the Amex Inexperienced.
- Citi Double Money® Card (see charges and charges): For cruise vacationers who’d choose to earn money again as an alternative of factors, this card provides a flat incomes charge and no annual price. You will earn 2% money again on all purchases, 1% if you purchase and an additional 1% if you pay on your buy, and extra money again on choose journey (sadly, not cruises) booked via Citi Journey. It is a great way to maximise your non-cruise spending and save the money again to cowl cruise prices. For extra info, learn our full evaluation of the Citi Double Money Card.
For extra choices, see our full lists of the greatest cash-back and normal journey rewards bank cards.
The data for the American Specific Inexperienced Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Associated: The perfect bank cards for reserving cruises
Backside line
Royal Caribbean followers is likely to be thrilled that its three manufacturers have now teamed up for a one-card-fits-all choice 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 actually earn significant reductions on their cruise holidays with this card, they’ll doubtless get extra incomes energy from a extra versatile bank card.
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