Royal Caribbean Launches Tri-Branded Cruise Credit Cards
Royal Caribbean Group, in partnership with Bank of America, has introduced a new pair of credit cards designed to unify rewards across its cruise portfolio. Branded as the industry’s first tri-branded cruise credit cards, the Royal ONE Visa Signature and Royal ONE Plus Visa Signature aim to simplify how travelers earn and redeem benefits across multiple brands.
The new cards allow users to accumulate and redeem rewards across Royal Caribbean, Celebrity Cruises, and Silversea Cruises, reflecting the company’s broader push to integrate its loyalty ecosystem. The cards are expected to be available in the coming weeks.
Through the Royal ONE program, cardholders can earn points on both everyday purchases and travel spending, with flexible redemption options across the group’s cruise offerings. Rewards can be applied toward cruise fares, onboard credits, specialty dining, shore excursions, beverage packages, Wi-Fi, and other onboard experiences, enhancing the overall vacation value proposition.
According to Jason Liberty, the initiative strengthens how the company recognizes and rewards guests who travel across its brands. By consolidating loyalty benefits into a single platform, the cards are designed to deliver a more seamless and personalized travel experience.
The Royal ONE Visa Signature card carries no annual fee and offers three points per dollar spent with the group’s cruise brands, two points on grocery, gas, and EV charging purchases, and one point on all other spending. Additional benefits include priority boarding on Royal Caribbean and Celebrity Cruises, a $100 anniversary reward after qualifying spend, Visa Signature travel protections, and no foreign transaction fees.
The premium Royal ONE Plus Visa Signature card, with a $99 annual fee, provides enhanced earning potential with four points per dollar on cruise brand purchases, two points on grocery, gas, EV charging, as well as air travel, hotels, and dining, and one point on other purchases. Cardholders also receive priority suite boarding, priority luggage handling on select brands, a $200 anniversary reward after qualifying spend, and a $120 credit for TSA PreCheck or Global Entry every four years.
The launch underscores a growing trend among travel companies to integrate financial products with loyalty programs, creating more consistent engagement across the customer journey. By linking everyday spending with cruise rewards, Royal Caribbean Group is positioning itself to deepen customer loyalty while driving cross-brand travel within its expanding portfolio.
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