Royal Caribbean Group announced a partnership with Bank of America to launch two new credit cards, the Royal ONE and Royal ONE Plus, on March 31 2026. The cards will be available in the coming weeks and are the first tri‑branded program in the cruise industry to combine rewards across Royal Caribbean, Celebrity Cruises and Silversea.
The Royal ONE card carries no annual fee and offers 3 X points on purchases with the three cruise brands, 2 X points on grocery, gas and electric‑vehicle charging, and 1 X point on all other spending. Perks include priority boarding for Royal Caribbean and Celebrity Cruises, a $100 anniversary reward after qualifying spend, Visa Signature travel protections and no foreign‑transaction fees. The Royal ONE Plus card carries a $99 annual fee and delivers 4 X points on the same cruise‑brand purchases, 2 X points on grocery, gas, EV charging, air, hotel and dining, and 1 X point on all other purchases. Its benefits include priority suite boarding for all three brands, priority luggage handling for Royal Caribbean and Celebrity, a $200 anniversary reward, a $120 TSA PreCheck/Global Entry credit every four years, Visa Signature travel protections and no foreign‑transaction fees.
By unifying rewards across its three flagship brands, Royal Caribbean is expanding its loyalty ecosystem and creating a new revenue stream from card fees and interchange activity. The tri‑branded structure encourages guests to stay within the group’s portfolio, increasing cross‑brand spend and customer lifetime value. The launch also positions the company ahead of competitors that offer single‑brand or limited‑brand cards, giving Royal Caribbean a distinct competitive advantage in the travel‑rewards market.
"Royal ONE and Royal ONE Plus strengthen how we recognize and reward our loyal guests across our leading vacation brands," said Jason Liberty, Chairman and CEO of Royal Caribbean Group. "These new cards bring together the ways our guests vacation across Royal Caribbean, Celebrity Cruises and Silversea – making it easier to earn and use rewards, so every trip delivers greater value and more meaningful experiences."
Bank of America’s partnership aligns with its broader strategy of expanding affinity and rewards offerings. The bank is transitioning to a unified BofA Rewards program in 2026, and the Royal Caribbean cards fit into that framework by offering a specialized rewards experience that can be integrated with BofA’s existing loyalty ecosystem.
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