Cruisers Can Now Earn Points Across All Royal Caribbean Brands With New Credit Cards
Key Aspects:
Royal Caribbean Group and Bank of America announced two new rewards credit card options.
The new cards offer rewards points on everyday purchases towards all three brands.
This is just the latest in a recent trend of Royal Caribbean Group expanding its loyalty programs.
Cruises are about to get a whole new exciting way to earn rewards points across three major brands. Royal Caribbean Group announced they’ve partnered with Bank of America to bring two new credit card options to cruisers.
Credit cards offering rewards for cruise lines are nothing new. Cruisers have options like the Norwegian Cruise Line World Mastercard and Carnival World Mastercard to earn points with other prominent cruise lines.
But, with this new offering, Royal Caribbean Group is stepping up the game with one unique feature.
In an industry first, these tri-branded cards will allow cruisers to earn points on everyday purchases applicable to all three of the company’s brands: Royal Caribbean Cruises, Celebrity Cruises, and Silversea Cruises.
That means that every time you buy groceries, gas, or anything else, you’ll also be contributing to your next vacation, with a choice of nearly 60 ships, including the just announced Hero of the Seas.
The new offerings are the Royal ONE Visa Signature and Royal ONE Plus Visa Signature cards, which offer several enticing perks for frequent cruisers.
The base level Royal ONE card offers 3X points on purchases with Royal Caribbean, Celebrity Cruises, and Silversea, 2X points on every day purchases like grocery, gas, and EV charging, and 1X point on all other purchases. This card also grants you priority boarding for Royal Caribbean and Celebrity Cruises.
Read Also: Which Cruise Lines Match Loyalty Programs?
Those who want to earn more points even more quickly may be interested in the Royal ONE Plus card. This card offers 4X points on Royal Caribbean Group purchases, plus 2X points on airfare, hotels, and dining (in addition to the grocery, gas, and EV charging of the Royal ONE card).
It also comes with additional perks, including priority suite boarding with all three brands and priority luggage handling with Royal Caribbean and Celebrity Cruises.
Both cards come with Visa Signature travel protections and no foreign transaction fees. While the Plus card comes with a yearly price tag of $99, the base-level Royal One card has no annual fee.
Royal Caribbean Group’s Recent Loyalty Shake-Ups
These new credit card options build upon previous efforts by Royal Caribbean Group to expand its loyalty programs and make it easier for cruisers to earn and apply their points.
The first change came in May 2024, when the company announced their Status Match Program. An industry-shaking first, this allowed members of Royal Caribbean’s Crown & Anchor Society, Celebrity Cruises’ Captain’s Club, and/or Silversea’s Venetian Society to apply their existing loyalty tier level to any of the other brands under the RCG umbrella.
This was expanded in October 2205 with the announcement of Points Choice. In January 2026, Cruise Hive reported details of the new program, which allows cruisers to apply their loyalty points across the three brands as well.
As other cruise lines have been carefully attempting to scale back perks and rewards (much to the chagrin of customers) Royal Caribbean Group seems to remain dedicated to expanding the scope and simplifying the use of their programs.
Cruisers Can Now Earn Points Across All Royal Caribbean Brands With New Credit Cards