Royal Caribbean Visa Signature®
The Royal Caribbean Visa Signature® from Bank of America earns up to 1.1% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: 30,000 MyCruise® bonus points, worth $300 in onboard credit after you make at least $1,000 in purchases in the first 90 days of account opening. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 1.1%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Royal Caribbean Visa Signature earn in each category?
Dining is the strongest category at 1.1% effective value (1x points at about 1.1 cents each). That dining rate ranks higher than about 12% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 1.1% effective value (1x points at about 1.1 cents each). That dining rate ranks higher than about 12% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1.1% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 1.1% |
| Gas Gas stations and fuel | 1x points | 1.1% |
| Travel Flights, hotels, transit | 1x points | 1.1% |
| Other General everyday spend | 1x points | 1.1% |
Madeen values Royal Caribbean at about 1.1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Royal Caribbean Visa Signature?
The Royal Caribbean Visa Signature fits spenders who put meaningful volume in dining and can earn 1x points. Best for spenders who put meaningful volume in dining and can earn 1x points. The welcome bonus can help if you can meet the spend requirement.
Royal Caribbean Visa Signature fits spenders who put meaningful volume in dining and can earn 1x points. Madeen ranks its dining effective rate higher than about 12% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1x points. The welcome bonus can help if you can meet the spend requirement.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 1.1% effective (1x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Royal Caribbean value depends on how you redeem, not straight cash back.
Does the Royal Caribbean Visa Signature have an annual fee, and what's the welcome bonus?
The Royal Caribbean Visa Signature has an annual fee of $0 and a foreign transaction fee of None. New applicants may see: 30,000 MyCruise® bonus points, worth $300 in onboard credit after you make at least $1,000 in purchases in the first 90 days of account opening. Confirm current issuer terms before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
- Signup bonus
- 30,000 MyCruise® bonus points, worth $300 in onboard credit after you make at least $1,000 in purchases in the first 90 days of account opening
What benefits come with the Royal Caribbean Visa Signature?
The Royal Caribbean Visa Signature includes Booking.com, Dovly Uplift™, FICO® Score in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Booking.comIncluded with Visa Signature®
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Dovly Uplift™Included with Visa Signature®
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
- FICO® Score
Now, when you opt-in you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking.
- Global Entry Statement CreditIncluded with Visa Signature®
Apply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
- Golf Benefits from Troon Rewards®Included with Visa Signature®
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
- OpenTableIncluded with Visa Signature®
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
- Priority Pass airport lounge accessIncluded with Visa Signature®
Enjoy access to over 1,700 airport lounges and experiences around the globe.
- Roadside Dispatch®Included with Visa Signature®
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Common questions about the Royal Caribbean Visa Signature
Does the Royal Caribbean Visa Signature have an annual fee?
The Royal Caribbean Visa Signature carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Royal Caribbean Visa Signature?
Dining is the strongest Madeen category for the Royal Caribbean Visa Signature at about 1.1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Royal Caribbean Visa Signature charge foreign transaction fees?
The Royal Caribbean Visa Signature does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Royal Caribbean Visa Signature welcome bonus?
The Royal Caribbean Visa Signature welcome offer in our snapshot: 30,000 MyCruise® bonus points, worth $300 in onboard credit after you make at least $1,000 in purchases in the first 90 days of account opening. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Royal Caribbean Visa Signature?
Madeen's catalog lists a typical credit range of Good to Excellent for the Royal Caribbean Visa Signature. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Royal Caribbean Visa Signature?
Rewards on the Royal Caribbean Visa Signature post as Royal Caribbean. Redemption value depends on how you use Royal Caribbean (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Royal Caribbean Visa Signature compare to similar cards?
Compare the Royal Caribbean Visa Signature against AMSA Customized Cash Rewards Card (3% on Dining, $0 fee); Bank of America Customized Cash Rewards (3% on Dining, $0 fee); Bank of America Customized Cash Rewards for Students (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Royal Caribbean Visa Signature This card | Dining | 1.1% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
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