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 Bonus — Up to 30,000 Points
Sign up for Bank of America Royal ONE Bonus and earn up to $300 in bonus rewards.
See all Bank of America offers →
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $1,500 spend | 30,000 points |
Qualifying Period
90 days
Requirements
- ✓$1,500 spend within first 90 days of account opening
- ✓Spend $1,500 on purchases in first 90 days
- ✓$1,500 in purchases within 90 days of account opening
- ✓Spend $1,500 on purchases within first 90 days of account opening
- ✓Minimum $2,000 spend in first 90 days
- ✓$3,000 in purchases within first 90 days of account opening
- ✓Minimum $3,000 in purchases within first 90 days
- ✓Spend $3,000 on purchases within first 90 days of account opening
Restrictions
- ⚠New cardholders only
- ⚠New customers only
- ⚠U.S. residents and territories only
- ⚠Existing Royal Caribbean/Celebrity Cruises Visa cardholders not eligible for welcome bonus
- ⚠Existing Royal Caribbean Visa Signature cardholders are not eligible (they auto-convert to Royal ONE Visa)
- ⚠Must spend $3,000 in purchases within first 90 days
- ⚠New cardmembers only
- ⚠U.S. and U.S. territories residents only
Fees
- $0 annual fee
- $99 annual fee
- Points redeemable for $300 in onboard credit or cruise discounts
- Points do not expire
- No cap on rewards earnings
- Points can be redeemed on Royal Caribbean, Celebrity Cruises and Silversea sailings
- Points valued at 1 cent each
- Points never expire
- No cap on rewards earned
- Points redeemable on Royal Caribbean, Celebrity Cruises, and Silversea
- Points cannot be combined or transferred between accounts
- Points can be redeemed for onboard credit or cruise discounts
- Points redeemable for onboard credit or cruise discounts on Royal Caribbean, Celebrity Cruises, or Silversea
- 70,000 points redeemable for $700 in onboard credit or cruise discounts
- Redeemable on Royal Caribbean, Celebrity Cruises, and Silversea
- Upgrades from Royal ONE to Royal ONE Plus do not qualify for welcome bonus
- Limited-time offer; no published expiration
- Points cannot be used toward taxes and fees or gratuities
- Points must be redeemed on cardholder account (cardholder must be on reservation for cruise bookings)
- Points are non-transferable
- Points are worth 1 cent each
- Minimum redemption is 5,000 points ($50 credit or discount)
- Points cannot be used toward taxes, fees, or gratuities
- Redeemable for cruise discounts or onboard credit across Royal Caribbean, Celebrity Cruises, and Silversea
- Annual $200 cruise discount after $20,000 spend within prior 12 months
- Priority suite boarding, priority luggage handling, and up to $120 TSA PreCheck/Global Entry credit every 4 years
- 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 redeemable for $700 in onboard credit or cruise discounts on Royal Caribbean, Celebrity Cruises, and Silversea
Last updated September 10, 2026
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How to evaluate Bank of America Royal ONE 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
- 90 days
How to qualify
- $1,500 spend within first 90 days of account opening
- Spend $1,500 on purchases in first 90 days
- $1,500 in purchases within 90 days of account opening
- Spend $1,500 on purchases within first 90 days of account opening
Common pitfalls
- New cardholders only
- New customers only
- U.S. residents and territories only
- Existing Royal Caribbean/Celebrity Cruises Visa cardholders not eligible for welcome bonus
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,750 median, so the requirements and any referral or portal stack matter more.
Requirement clarity
Credolix has extracted 4 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 Bonus?
The qualifying period listed for Bank of America Royal ONE Bonus is 90 days.
