Royal ONE™ Credit Cards: Benefits and Rewards

The Royal ONE™ Visa Signature® card is built to help you earn rewards in your daily life and redeem them for unforgettable experiences at sea.

If you’re searching for one of the best credit cards for booking cruises, the Royal ONE™ program from Royal Caribbean Group® offers a new, more flexible way to earn and redeem rewards. Designed for modern travelers, the Royal ONE™ and Royal ONE Plus™ Visa Signature® cards​ help you use your points across Celebrity Cruises®, Royal Caribbean®, and Silversea®, giving you more ways to plan your next getaway.

In this guide, compare the two cards, explore key benefits, and learn how to turn everyday spending into cruise rewards.

Royal ONE™ Credit Cards at a Glance

Choose the Royal ONE™ Visa Signature® card if you want:

• 3x points on eligible Royal Caribbean Group purchases.
• 2x points on eligible grocery, gas, and EV charging station purchases.
• Priority boarding and an annual $100 cruise discount after qualifying purchases.

Choose the Royal ONE Plus™ Visa Signature® card if you want:

• Accelerated points earning on cruise and travel purchases.
• Priority boarding through the suite entrance and priority luggage delivery.
• A TSA PreCheck® or Global Entry application fee credit up to $120 every four years.
• An annual $200 cruise discount after qualifying purchases.

Bottom line: Both cards help you earn rewards toward cruise discounts and onboard credit across Celebrity Cruises, Royal Caribbean, and Silversea, with the Royal ONE Plus™ card offering higher earning rates and additional travel benefits for frequent travelers.

Why Use a Cruise Credit Card?

Cruise credit cards are designed to reward the way cruise travelers spend and vacation.

Here’s what sets them apart:

• Cruise-specific rewards: Earn points that are built for cruise vacations, not just flights or hotels.
• Onboard credit: Use rewards for onboard dining, excursions, spa treatments, and Wi-Fi.
• Cruise discounts: Apply points directly toward your cruise fare or future cruise bookings.
• Exclusive perks: Enjoy benefits including priority boarding and access to special events.

Unlike general travel cards, Royal ONE™ credit cards are designed specifically for cruise travelers, with rewards and benefits that can be used across three cruise brands.

Royal ONE™ Credit Cards: One Program. Three Brands.

Enjoying fresh oysters and sparkling wine while overlooking turquoise waters and lush tropical mountains on a sunny day

Royal ONE™ brings together three cruise lines under one rewards program.

The program introduces two credit card options designed to fit different travel styles:

• Royal ONE™ card: † No annual fee and strong everyday rewards.
• Royal ONE Plus™ card: † $99 annual fee with higher earn rates and additional perks.

Both cards let you:

• Earn points on everyday purchases.
• Earn accelerated points on eligible Royal Caribbean Group purchases.
• Redeem points through Royal ONE Rewards℠.

Points can be redeemed for cruise discounts or onboard credit across all three brands, giving you flexibility to use rewards the way you prefer.

† For information about the rates, fees, other costs, and benefits associated with the use of these cards, click here and refer to the disclosures for the Royal ONE™ card or click here and refer to the disclosures for the Royal ONE Plus™ card.

Key Benefits of the New Royal ONE™ Credit Cards

Both cards reward cardholders for everyday purchases while adding cruise-specific perks.

Earn Points Faster

• Royal ONE™ card: 3x points on eligible Royal Caribbean Group purchases, 2x points on eligible grocery, gas, and EV charging station purchases.
• 1 point per dollar spent on all other purchases.
• Royal ONE Plus™ card: 4x points on eligible Royal Caribbean Group purchases, 2x points on eligible grocery, gas, EV charging station, air, hotel, and dining purchases.
• 1 point per dollar spent on all other purchases.

Cruise Perks

• Priority boarding.
• Exclusive cardholder events.
• Anniversary cruise discounts after qualifying spend.

Travel Benefits

• † No foreign transaction fees.
• Visa Signature® travel protections.
• TSA PreCheck® or Global Entry credit up to $120 every four years with Royal ONE Plus™.

† For information about the rates, fees, other costs, and benefits associated with the use of these cards, click here and refer to the disclosures for the Royal ONE™ card or click here and refer to the disclosures for the Royal ONE Plus™ card.

How to Redeem Points for Cruises and Onboard Credit

Redeeming points through Royal ONE™ Rewards is designed to be simple, providing you with flexible ways to apply value where it matters most — your cruise experience.

• Use points to reduce the cost of your cruise booking.
• Convert points into onboard credit for specialty dining, beverages, spa treatments, or shore excursions.

For example, 5,000 points equate to $50 in rewards. 

This provides real value throughout your vacation, whether you’re booking a shore excursion, enhancing your onboard experience, or offsetting travel expenses you’ve already planned to spend.

With no cap on the number of points you can earn and no expiration on those points, you have the flexibility to redeem rewards as you go or save them for a larger redemption in the future.

Maximize Your Credit Card Rewards

Getting the most from your Royal ONE™ credit card starts with using it consistently.

Here are a few smart strategies:

• Use your card for everyday purchases to build points quickly.
• Book cruises directly with your credit card to earn higher rewards.
• Take advantage of bonus categories like groceries and gas.
• Redeem strategically; onboard credit often delivers immediate, flexible value.
• Aim for anniversary rewards by meeting annual spend thresholds.

Turn Everyday Spending Into Your Next Cruise

A cruise credit card should feel like an extension of your travel lifestyle, not a separate financial tool you only use occasionally. With Royal ONE™, every purchase contributes to your next getaway, whether you’re planning months in advance or simply building toward future travel.

From earning points on everyday purchases to redeeming them for onboard experiences, the process is designed to be intuitive and rewarding. With cruise-specific rewards and multi-brand flexibility, it becomes clear why these cards are positioned as two of the best cruise credit cards.

Explore the full benefits of the Royal ONE™ Visa® Signature credit cards through the Royal ONE™ program and start earning rewards toward your next vacation.

Frequently Asked Questions: Cruise Credit Cards