Royal ONE or Royal ONE Plus? A side-by-side comparison
In:Royal Caribbean credit cards unlock special onboard perks, high welcome bonuses, and other travel benefits. However, the two cards serve different types of travelers. So how do you know which one is actually worth it?

To help you decide, we've created a detailed breakdown comparing the new Royal ONE™ Visa Signature® and Royal ONE Plus™ Visa Signature® credit cards across the factors that matter most.
At the end of the day, loyal Crown & Anchor fans can't go wrong with either card, as both options offer a straightforward way to earn rewards toward future Royal Caribbean vacations.
Still, you may find that the premium Royal ONE Plus card better meets your needs as a frequent cruiser with enhanced benefits, while the no-fee Royal ONE Visa could be a smarter choice for occasional travelers.
Methodology for comparing Royal Caribbean credit cards

For this comparison, we'll compare the Royal ONE and Royal ONE Plus credit cards across six categories:
- Annual fee
- Current welcome offer
- Ways to earn points
- Redemption options
- Cruise benefits
- Travel perks/protections
Editor's note: This analysis is based on the everyday traveler, rather than dedicated cruise enthusiasts who may place a higher value on Royal Caribbean perks and benefits. Additionally, information related to the Visa Signature® cards collected by Royal Caribbean Blog has not been reviewed or provided by the issuer of the cards.
Royal ONE vs. Royal ONE Plus comparison
| Card | Annual Fee | Welcome Offer (7/15/2026) | Ways to Earn Points | Anniversary Bonus | Cruise Benefits |
| Royal ONE™ Visa Signature® | $0 | 30,000 bonus points after spending $1,500 in the first 90 days of account opening | 3 points per dollar spent on Royal Caribbean Group purchases (including Royal Caribbean, Celebrity, and Silversea) AND 2 points per dollar spent on groceries, gas, and EV charging AND 1 point per dollar on other everyday purchases | $100 anniversary cruise discount if you spend $10,000 or more on the card annually | Priority boarding on embarkation day AND special event access |
| Royal ONE Plus™ Visa Signature® | $99 | 60,000 bonus points after spending $2,500 in the first 90 days of account opening | 4 points per dollar spent on Royal Caribbean Group purchases (including Royal Caribbean, Celebrity, and Silversea) AND 2 points per dollar spent on dining, hotels, airlines, groceries, gas, and EV charging AND 1 point per dollar spent on other everyday purchases | $200 anniversary cruise discount if you spend $20,000 or more on the card annually | Priority boarding on embarkation day (suite line) AND priority luggage delivery AND special event access |
Annual fee

When evaluating any credit card's annual fee, you must weigh the included benefits and statement credits to see whether you can justify the cost. The key is determining if you think it's worth it, as your spending habits and travel preferences may differ from your aunt's, coworker's, etc.
In this case, the Royal ONE credit card allows cardholders to earn Royal Caribbean rewards without paying an annual fee, while the Royal ONE Plus comes with an annual fee of $99 in exchange for additional perks and better point earning rates.
Although the $99 annual fee isn't as hefty as some other premium travel cards, like the Chase Sapphire Reserve or American Express Platinum, you still need to make sure you will use the card's benefits enough to offset the cost. Otherwise, you're better off going with the no-fee Royal ONE card.
Welcome offer

Both cards come with welcome offers that can help get you closer to your next cruise vacation, though offers can change, and eligibility restrictions apply. If, for instance, your previously held Royal Caribbean or Celebrity Cruises credit card was replaced by a Royal ONE credit card, you can't get a new welcome bonus.
At the time of publication, the Royal ONE card offered new cardholders 30,000 bonus points after spending $1,500 within the first 90 days of account opening, while the Royal ONE Plus card offered 60,000 bonus points after spending $2,500 within the first 90 days of account opening.
Along with the annual fee, you'll need to consider whether you can comfortably meet the spending requirements for the Royal ONE Plus card within the designated timeframe.
Ways to earn points

Another important factor to compare is each card's points-earning potential.
Although both cards offer opportunities to rack up points, the Royal ONE Plus card comes with a few extra bonus categories that allow cardholders to earn points faster on certain purchases.
The points multiplier for the no-fee Royal ONE card is as follows:
- 3 points per dollar spent on eligible Royal Caribbean, Celebrity Cruises, and Silversea purchases
- 2 points per dollar on eligible grocery, gas, and EV charging station purchases
- 1 point per dollar on other everyday purchases

If you decide to go for the Royal ONE Plus card, you can expect the following point earning rates:
- 4 points per dollar spent on eligible Royal Caribbean, Celebrity Cruises, and Silversea purchases
- 2 points per dollar on eligible airline, hotel, dining, grocery, gas, and EV charging station purchases
- 1 point per dollar on other everyday purchases
Overall, the Royal Caribbean Visa Signature® cards have pretty solid points multipliers, with a heavy emphasis on Royal Caribbean Group purchases.

For example, with the Royal ONE card, you will earn three points per dollar spent on Royal Caribbean, Celebrity Cruises, and Silversea. So if you spend $1,500 on your cruise fare, you'll earn 4,500 points.
Royal ONE Plus cardholders, however, will earn four points per dollar spent on Royal Caribbean, Celebrity Cruises, and Silversea, turning that same $1,500 fare into 6,000 credit card points. The premium card also offers bonus point earnings on categories such as airlines, dining, and hotels.
One important caveat to keep in mind is that third-party bookings don't qualify for the bonus. In other words, if you book a Royal Caribbean cruise through a travel website like Expedia, the purchase won't be eligible for the point multiplier rate.
Redemption options
Unlike other credit cards that have multiple transfer partners, the Royal ONE and Royal ONE Plus cards focus on Royal Caribbean-related rewards.
This means that if you want a travel card that offers flexibility between airline and hotel transfers, you won't get the same level of versatility from these cards.
However, the ability to redeem rewards directly toward cruises and pricey add-ons can make a Royal Caribbean credit card a valuable addition to your travel strategy – if you're a frequent cruiser.

That said, there isn't a difference in how redemption works between the two cards. Each point is equivalent to one cent that you can apply toward cruise discounts, add-ons, or onboard credit on Royal Caribbean Group-operated sailings, including Royal Caribbean International, Celebrity Cruises, and Silversea.
The minimum redemption is 5,000 points, which comes out to $50. As mentioned, points can be used to pay for a cruise, get extra onboard credit, or cover pre-cruise purchases.
Point redemptions can be completed online, through the app, or by calling Royal Caribbean at 888-305-4626, Celebrity Cruises at 800-760-0654, or Silversea at 888-978-4077.

The biggest difference comes down to the annual anniversary bonus. This, however, is subject to meeting the credit card's minimum spending requirements — and they aren't exactly easy to reach.
Royal ONE cardholders receive a $100 anniversary credit after spending $10,000 or more on the card annually, while Royal ONE Plus cardholders get a $200 anniversary credit after spending $20,000 or more each year.
Cruise benefits

The Royal Caribbean credit cards come with a few onboard perks aboard Royal Caribbean, Celebrity, and Silversea cruises.
All cardholders, for example, receive access to special events during their sailings and priority boarding at the terminal (subject to availability). This ensures that you aren't stuck wasting valuable vacation time in line and can start enjoying everything onboard sooner.
Those with the Royal ONE Plus card also benefit from expedited luggage delivery, along with access to a dedicated suite boarding lane that makes the embarkation process even faster.
Travel perks/protections

Both credit cards offer perks that are useful for land-based travel, including no foreign transaction fees. As a Visa Signature® cardholder, you'll have access to the Visa Signature® Luxury Hotel Collection and receive special rates and VIP status at select hotels worldwide.
The cards also include 24-hour travel and emergency assistance, car rental coverage, access to emergency roadside assistance, trip delay and lost luggage expense reimbursement, trip cancellation and interruption coverage, and extended warranty protection.
Finally, Royal ONE Plus cardholders will receive a $120 statement credit for TSA PreCheck or Global Entry enrollment or renewal once every four years.
Is the Royal ONE credit card or the Royal ONE Plus credit card better?

There isn't a right or wrong answer when it comes to which Royal Caribbean credit card is better. At the end of the day, the better card depends on how often you cruise and how much value you can squeeze out of the card's benefits.
The no-fee Royal ONE card is a solid option for occasional cruisers who want to earn rewards for future vacations without paying an annual fee. On the flip side, Royal ONE Plus is designed for frequent travelers who want to maximize their rewards and take advantage of additional benefits.
With higher earning rates on Royal Caribbean Group purchases, extra bonus categories, priority suite boarding, expedited luggage delivery, and a TSA PreCheck or Global Entry credit, it is easy for some to justify the $99 annual fee.

That said, the Royal ONE Plus card really only makes sense if you travel enough to use the benefits to offset the cost. Occasional cruisers may get more value from the Royal ONE card's no-fee structure and simple rewards.
Choose Royal ONE if...
- You aren't a frequent cruiser
- You don't want to pay an annual fee
- You want a simple way to earn rewards toward future Royal Caribbean vacations
Choose Royal ONE Plus if...
- You cruise multiple times per year
- You spend regularly in the card's bonus categories, including dining, hotels, and airlines
- You'll take advantage of the TSA PreCheck/Global Entry credit

























































































