| Category | Rate | Type | Cap |
|---|---|---|---|
|
Royal Caribbean International, Celebrity Cruises, and Silversea Purchases
Earn 3 points per dollar on eligible purchases with Royal Caribbean International, Celebrity Cruises, and Silversea, including cruise fares, onboard spending, and other qualifying brand purchases.
|
3x | Points | No cap |
|
Grocery Stores
Earn 2 points per dollar spent at eligible grocery stores.
|
2x | Points | No cap |
|
Gas Stations
Earn 2 points per dollar spent at eligible gas stations.
|
2x | Points | No cap |
|
EV Charging Stations
Earn 2 points per dollar spent at eligible electric vehicle charging stations.
|
2x | Points | No cap |
|
All Other Purchases
Earn 1 point per dollar on all other eligible purchases not covered by a higher bonus category.
|
1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
No Annual Fee
No annual fee charged for the primary cardmember or authorized users, keeping the total cost of card ownership at $0.
|
Financial |
$0 annual fee
Up to $0
|
|
No Foreign Transaction Fees
No fees charged on purchases made outside the United States or in a foreign currency, making the card ideal for international cruise travel.
|
Financial | 0% foreign transaction fee |
|
Overdraft Protection
Optional overdraft protection service that links the credit card to an eligible Bank of America checking account to help prevent declined purchases, returned checks, or other overdrafts; transfer fees may apply.
|
Financial | Complimentary (transfer fees may apply) |
|
Auto Rental Collision Damage Waiver
Secondary coverage for damage or theft of an eligible rental car when the full rental is paid with the card and the rental company's collision damage waiver is declined.
|
Insurance | Complimentary (secondary coverage) |
|
Common Carrier Travel Accident Insurance
Automatic accidental death and dismemberment coverage when the full travel fare is charged to the card for travel on a licensed common carrier including cruise ships.
|
Insurance | Complimentary |
|
Extended Warranty Protection
Doubles the time period of the original manufacturer's warranty up to one additional year on eligible purchases paid with the card.
|
Insurance | +1 year on eligible warranties |
|
Lost Luggage Reimbursement
Reimbursement for lost, damaged, or stolen checked or carry-on baggage when the common carrier fare is paid with the card.
|
Insurance | Complimentary |
|
Visa Signature Concierge Service
24/7 access to a personal concierge service that can assist with travel bookings, restaurant reservations, event tickets, and other lifestyle requests.
|
Lifestyle | Complimentary |
|
Account Alerts
Customizable email or text alerts to notify cardholders of payment due dates, payment confirmations, balance thresholds, and other account activity.
|
Other | Complimentary |
|
Bank of America Mobile Banking App
Full-featured mobile banking app for viewing balances, making payments, managing rewards, setting alerts, and accessing account features.
|
Other | Complimentary |
|
Free FICO® Score Access
Cardholders who opt in can access their FICO® Score updated monthly for free within the Bank of America Mobile Banking app or Online Banking.
|
Other | Complimentary |
|
1X Points on All Other Purchases
Earn 1 point per dollar spent on all other eligible purchases not covered by a bonus category.
|
Rewards | 1x points |
|
2X Points on Gas Stations and EV Charging
Earn 2 points per dollar spent at gas stations and electric vehicle charging stations.
|
Rewards | 2x points |
|
2X Points on Grocery Stores
Earn 2 points per dollar spent at eligible grocery stores.
|
Rewards | 2x points |
|
3X Points on Royal Caribbean Group Cruise Purchases
Earn 3 points per dollar spent on eligible purchases with Royal Caribbean International, Celebrity Cruises, and Silversea.
|
Rewards | 3x points |
|
Points Redeemable Across Three Cruise Brands
Redeem Royal ONE Rewards points for cruise discounts or onboard credits on Royal Caribbean International, Celebrity Cruises, and Silversea sailings; earn on one brand and redeem on another.
|
Rewards | 1 cent per point in cruise value |
|
Welcome Bonus
Earn 45,000 bonus points after spending $2,000 on purchases within the first 90 days of account opening. Points are redeemable for cruise discounts or onboard credit on Royal Caribbean, Celebrity Cruises, or Silversea sailings.
|
Rewards |
45,000 points ($450 in cruise value)
Up to $450
|
|
$0 Liability Guarantee for Fraud
Cardholders are not responsible for any unauthorized transactions reported promptly; Bank of America's $0 Liability Guarantee covers fraudulent charges made with the card.
|
Security | $0 liability |
|
Chip Technology
Card is equipped with EMV chip technology for enhanced security and protection when making purchases at chip-enabled terminals worldwide.
|
Security | Complimentary |
|
Fraud Monitoring and Alerts
Bank of America monitors the account for suspicious or unusual activity and notifies cardholders via text, email, or phone when potentially fraudulent transactions are detected.
|
Security | Complimentary |
|
$100 Anniversary Cruise Discount
Earn a $100 cruise discount after spending $10,000 on purchases within the prior anniversary year, redeemable on Royal Caribbean, Celebrity Cruises, or Silversea sailings.
|
Travel |
$100 cruise discount
Up to $100
|
|
Priority Boarding
Priority boarding through the Royal ONE Rewards designated access line on boarding day for Royal Caribbean International and Celebrity Cruises sailings, where available.
|
Travel | Complimentary |
|
Roadside Dispatch
24/7 pay-per-use roadside assistance program with pre-negotiated rates for towing, jump-starts, tire changes, lockout assistance, and fuel delivery.
|
Travel | Pay-per-use at pre-negotiated rates |
|
Travel and Emergency Assistance Services
24-hour access to travel and emergency assistance services including medical, legal, and transportation referrals when traveling away from home; costs for actual services are the cardholder's responsibility.
|
Travel | Complimentary coordination service |
