Royal Caribbean and Bank of America Launch Industry’s First Tri-Branded Credit Cards to Supercharge Travel Rewards


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New Tri-Branded Credit Cards Set to Transform Cruise Loyalty Programs

Royal Caribbean Group is making waves in the travel industry by teaming up with Bank of America and Visa to launch the first-ever tri-branded cruise credit cards. Unveiled as Royal ONE™ and Royal ONE Plus™, these cards promise a unified and simplified way for travelers to earn points and redeem rewards across Royal Caribbean, Celebrity Cruises, and Silversea.

Cardholders Reap Enhanced Rewards and Flexible Redemption Options

The new Royal ONE credit cards are designed with cruise enthusiasts and frequent travelers in mind, offering accelerated rewards on both everyday purchases and travel spend. Highlights include:

Feature Royal ONE Visa Signature® Royal ONE Plus Visa Signature®
Annual Fee $0 $99
Points on Royal Caribbean, Celebrity, Silversea purchases 3X 4X
Points on groceries, gas, EV charging 2X 2X (plus airfare, hotels, dining)
All other purchases 1X 1X
Anniversary Reward $100 $200
No Foreign Transaction Fees Yes Yes
Priority Boarding/Suite Boarding Royal Caribbean & Celebrity Cruises All Three Brands
Travel Protections Visa Signature® Visa Signature®
TSA PreCheck/Global Entry Credit - $120 every 4 years

Cardholders can redeem their points for cruise savings or onboard perks such as specialty dining, shore excursions, drink packages, and Wi-Fi. The cards boast zero foreign transaction fees and meaningful travel protections, aiming to further cement Royal Caribbean Group’s reputation for guest loyalty innovation.

Loyalty Program Innovations Strengthen Guest Experience

The Royal ONE cards aren’t just about racking up reward points—they’re also a leap forward for the cruise line’s broader loyalty program. Notably, they introduce easier earning structures and seamless point redemptions across all three flagship brands, while enhancing member experiences with features like industry-first Status Match and Points Choice options. The program expansion offers:

  • A holistic loyalty ecosystem spanning cruises and exclusive vacation experiences
  • More flexible ways to earn and redeem, encouraging customer retention and bigger vacation spend
  • Perks tailored for both occasional cruisers and frequent vacationers

Strategic Partnership Signals Industry Shift Toward Integrated Travel Rewards

This move signals a rising trend of travel providers joining forces with major financial institutions to supercharge loyalty programs. Bank of America’s involvement brings scale, banking innovation, and trust to the partnership, potentially broadening the appeal of Royal Caribbean’s offerings to a much larger customer base. For guests, the ability to consolidate rewards and perks across multiple cruise lines in one simple, flexible system could become a compelling reason to stay loyal or switch brands.

Key Takeaway: A New Era for Cruise Loyalty is Here

For current and future Royal Caribbean, Celebrity, and Silversea travelers, the launch of the Royal ONE and Royal ONE Plus credit cards marks a significant step toward more rewarding and personalized travel experiences. The new earning structures, prioritization of customer perks, and seamless loyalty integration put Royal Caribbean Group ahead of the curve in travel innovation. As these cards roll out in the coming weeks, travelers may find compelling reasons to rethink how they maximize value on their next vacation at sea.


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