What makes this credit card offer different
This credit card offer is a points-or-miles bonus, so the real value depends on how you redeem the rewards rather than only the headline count.
Credit Card
Bank of America Royal One Plus Bonus — Up to 70,000 Points
Sign up for Bank of America Royal One Plus Bonus and earn up to $700 in bonus rewards.
See all Bank of America offers →
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $3,000 spend | 70,000 points ($700 value) |
Qualifying Period
within 90 days of account opening
Requirements
- ✓$3,000 in purchases within first 90 days of account opening
- ✓Spend $3,000 on purchases within first 90 days of account opening
Restrictions
- ⚠New cardholders only
- ⚠U.S. residents and territories only
- ⚠New cardmembers only
- ⚠U.S. and U.S. territories residents only
Fees
- $99 annual fee
- Points redeemable for cruise discounts or onboard credit on Royal Caribbean, Celebrity Cruises, and Silversea
- Points do not expire and there is no cap on rewards
- Points cannot be used toward taxes, fees, or gratuities
- Points redeemable for $700 in onboard credit or cruise discounts on Royal Caribbean, Celebrity Cruises, and Silversea
- Points valued at 1 cent each
- Points never expire
- No cap on rewards earned
Last updated June 14, 2026
How to evaluate Bank of America Royal One Plus Bonus
Before applying, compare the welcome bonus against the annual fee, minimum spend, rewards currency, and issuer eligibility rules for repeat cardholders.
Qualification checklist
Timing
- Qualifying period
- within 90 days of account opening
How to qualify
- $3,000 in purchases within first 90 days of account opening
- Spend $3,000 on purchases within first 90 days of account opening
Common pitfalls
- New cardholders only
- U.S. residents and territories only
- New cardmembers only
- U.S. and U.S. territories residents only
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $3,500 median, so the requirements and any referral or portal stack matter more.
Requirement clarity
Credolix has extracted 2 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
How long do I have to qualify for Bank of America Royal One Plus Bonus?
The qualifying period listed for Bank of America Royal One Plus Bonus is within 90 days of account opening.
