Royal ONE™ Visa Signature®
The Royal ONE™ Visa Signature® from Bank of America earns up to 2.3% effective value on grocery in Madeen's catalog snapshot. It has no annual fee. New applicants may see: 45,000 bonus points, redeemable for $450 in onboard credit or cruise discounts, after spending $2,000 on purchases within the first 90 days of account opening.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Grocery
- Effective value
- 2.3%
- 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 ONE™ Visa Signature earn in each category?
Grocery is the strongest category at 2.3% effective value (2x points at about 1.1 cents each). That grocery rate ranks higher than about 96% of the 2,855 cards we track in that category. Catalog spend signals highlight groceries at 2x among the top bonus categories for the Royal ONE™ Visa Signature.
Grocery is the strongest category at 2.3% effective value (2x points at about 1.1 cents each). That grocery rate ranks higher than about 96% of the 2,855 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1.1% |
| Grocery Supermarkets and grocery stores | 2x points | 2.3% Top category |
| Gas Gas stations and fuel | 2x points | 2.3% |
| 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.
What are the Royal ONE™ Visa Signature reward caps and conditions?
The Royal ONE™ Visa Signature has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 2 points per dollar spent on gas and EV charging station purchases
- 2 points per dollar spent on eligible grocery purchases
Who should get the Royal ONE™ Visa Signature?
The Royal ONE™ Visa Signature fits spenders who put meaningful volume in grocery and can earn 2x points. Best for spenders who put meaningful volume in grocery and can earn 2x points. The welcome bonus can help if you can meet the spend requirement.
Royal ONE™ Visa Signature fits spenders who put meaningful volume in grocery and can earn 2x points. Madeen ranks its grocery effective rate higher than about 96% 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 grocery and can earn 2x points. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for grocery-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 grocery at about 2.3% effective (2x points).
- That grocery rate ranks higher than about 96% of cards we track in the category.
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Royal Caribbean value depends on how you redeem, not straight cash back.
What is the Royal ONE™ Visa Signature welcome bonus?
In Madeen's catalog snapshot, the Royal ONE™ Visa Signature welcome offer is 45,000 bonus points, redeemable for $450 in onboard credit or cruise discounts, after spending $2,000 on purchases within the first 90 days of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 45k Royal Caribbean (~$518 estimated)
- Terms (catalog snapshot)
- 45,000 bonus points, redeemable for $450 in onboard credit or cruise discounts, after spending $2,000 on purchases within the first 90 days of account opening.
- Minimum spend
- $2,000
- Window
- 90Days
Does the Royal ONE™ Visa Signature have an annual fee?
The Royal ONE™ Visa Signature has an annual fee of $0 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Royal ONE™ Visa Signature?
The Royal ONE™ Visa Signature includes Anniversary Reward, Booking.com, Dovly Uplift™ 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.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Global Entry Statement Credit
$120/yrApply 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.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Anniversary Reward
$25/yr$100 cruise discount a?er spending $10,000 on purchases every year
Priority Boarding
$25/yrStart your adventure sooner with priority boarding
Golf Benefits from Troon Rewards®
$10/yrEnjoy 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.
Roadside Dispatch®
$10/yrThis 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.
Stay connected in over 175 countries
$10/yrEligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
Travel and Emergency Assistance Services
$10/yrWhen you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Universal Destinations & Experiences
$10/yrGet exciting benefits at Universal Studios Hollywood and Universal Orlando Resort when you pay with your Visa Signature® or Visa Infinite® card.
Visa Signature Concierge
$10/yrGet assistance with travel planning, entertainment tickets and more.
Related encyclopedia topics
Common questions about the Royal ONE™ Visa Signature
Where do cardholders spend most with the Royal ONE™ Visa Signature?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on groceries (2x), gas (2x) for the Royal ONE™ Visa Signature. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is the Royal One credit card worth it?
The Royal ONE™ Visa Signature® from Bank of America earns up to 2.3% effective value on grocery in Madeen's catalog snapshot. It has no annual fee. New applicants may see: 45,000 bonus points, redeemable for $450 in onboard credit or cruise discounts, after spending $2,000 on purchases within the first 90 days of account opening.. Madeen compares this card against.
Does the Royal ONE™ Visa Signature have an annual fee?
The Royal ONE™ 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 ONE™ Visa Signature?
Grocery is the strongest Madeen category for the Royal ONE™ Visa Signature at about 2.3% 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 ONE™ Visa Signature charge foreign transaction fees?
The Royal ONE™ 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 ONE™ Visa Signature welcome bonus?
The Royal ONE™ Visa Signature welcome offer in our snapshot: 45,000 bonus points, redeemable for $450 in onboard credit or cruise discounts, after spending $2,000 on purchases within the first 90 days of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
How does the Royal ONE™ Visa Signature compare to similar cards?
Compare the Royal ONE™ Visa Signature against Asiana Visa Signature (3.2% on Grocery, $99 fee); Royal ONE™ Plus Visa Signature (2.3% on Grocery, $99 fee); AAA Member Rewards (2% on Grocery, $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 ONE™ Visa Signature This card | Grocery | 2.3% | $0 |
Bank of America | Grocery | 3.2% | $99 |
| Grocery | 2.3% | $99 | |
Bank of America | Grocery | 2% | $0 |
Bank of America | Grocery | 2% | $0 |
Side-by-side comparisons
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Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for grocery spend to see which cards win at checkout.
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