The Royal Caribbean Credit Card in 2026: Royal ONE
The Royal Caribbean credit card changed in 2026. On March 31, Royal Caribbean Group and Bank of America announced the Royal ONE Visa Signature and Royal ONE Plus Visa Signature cards, which Bank of America’s release describes as the industry’s first tri-branded cruise cards: one card that earns and redeems across Royal Caribbean, Celebrity Cruises and Silversea.
| Detail | What the issuer says |
|---|---|
| Card names | Royal ONE Visa Signature; Royal ONE Plus Visa Signature |
| Issuer and network | Bank of America; Visa |
| Cruise brands | Royal Caribbean, Celebrity Cruises, Silversea |
| Redemption | Cruise savings and onboard credit, which Bank of America says can go toward specialty dining, beverage packages, Wi-Fi, shore excursions and more |
| Two versions | A standard card and a Plus card; earning rates and annual fees differ. Compare them on Bank of America’s page |
General information, not financial advice. Card names and features were checked on the issuers’ and cruise lines’ own pages in October 2026 and can change at any time. We do not list rates, fees or bonus offers, we do not take applications, and we are not paid by any card issuer. Always compare the current terms on the issuer’s own website before you apply.
Who a Royal Caribbean Credit Card Suits
- Families who sail Royal Caribbean most years and spend on board.
- Couples who mix Royal Caribbean with Celebrity, or step up to Silversea.
- Cruisers who would use onboard credit for things they buy anyway, such as drinks packages or Wi-Fi.
It suits people less if they sail many different cruise companies, rarely cruise, or would not use onboard credit.
Questions to Ask Before You Apply
- Which version fits your spending once the annual fee, if any, is counted?
- What is the minimum redemption, and how is onboard credit applied to a booking?
- Do points expire, and what happens to them if you close the account?
- Are there foreign transaction fees for port purchases abroad?
- If you already hold an older Royal Caribbean or Celebrity card, what changes for you?
The answers are on Bank of America’s own pages and in the card agreement. We do not take applications.
Royal Caribbean Credit Card FAQ
What happened to the old Royal Caribbean Visa?
Royal Caribbean Group moved its cards to Bank of America with the Royal ONE launch in 2026. If you hold an older Royal Caribbean or Celebrity card, check with your issuer about what has changed for your account.
Can I use Royal ONE points on Celebrity or Silversea?
Yes. Bank of America’s page says points can be used toward vacations on Royal Caribbean, Celebrity Cruises and Silversea.
Is the Royal Caribbean credit card the same as Crown & Anchor status?
No. The card earns card points; Crown & Anchor Society is the line’s loyalty program, based on cruising. Frequent Cruiser Program explains the loyalty side.
Planning a Royal Caribbean or Celebrity Cruise?
Our cruise advisors at Mister Cruise will quote the sailing and help you use your onboard credit well. Free.
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