80,000 Points
Worth $1,200
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 4.5%Alaska Air
- 4.5%Hawaiian Air
- 3%EV Charging
Annual Fee
$95
Rec. Credit
Excellent
Bank of America
Royal ONE™ Visa Signature®
The Royal ONE Visa Signature is a no-annual-fee card built for basic flat-rate rewards on everyday purchases without the need to track spending categories. With zero foreign transaction fees and a strong welcome bonus, it works best as a low-maintenance starter or backup travel card.
Welcome Offer
30,000 Points
Annual Fee
$0
Rec. Credit Score
Good
Good For
Simple everyday rewards
All information about Royal ONE™ Visa Signature® has been collected independently by MaxRewards. Royal ONE™ Visa Signature® is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Royal ONE™ Visa Signature® worth it?
This card is great for...
A straightforward welcome bonus
International purchases without added fees
Low-maintenance everyday spending
With no annual fee and an accessible 30,000-point welcome offer worth $300, the Royal ONE Visa Signature provides easy initial value. Earnings are simple to track, yielding 1 point per dollar spent with each point worth 1 cent toward redemptions.
However, the 1% flat rewards rate is lower than what many standard no-fee cards offer, as 1.5% to 2% cash back is common across the market. Beyond the welcome bonus and zero foreign transaction fees, the card offers few extra perks, making it less ideal as a primary card for heavy spenders. It makes the most sense for anyone wanting a simple, low-risk card with a great initial bonus.
MaxRewards Verdict
This card offers a great initial bonus and zero foreign transaction fees with no annual fee, though its 1% base rate falls behind standard flat-rate cash back cards.
Welcome Offer
30,000 Points
after you spend $1,500 on purchases on your new card in your first 3 months of card membership.
Est. Value
$300
Required Spend
$1,500
Time Frame
3 Months
Est. Value
$300
Required Spend
$1,500
Time Frame
3 Months
Earning
Rewards
Points accrue at a single flat rate across all purchases, making earning simple and consistent.
CategoryRate
Everywhere
1%
Rewards percent based on a valuation of 1¢ per BoA point
Eligibility
Recommended Minimum Credit
Min: Good
Poor
Fair
Good
Excellent
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Purchase APR
17.74% - 27.74%
Variable
Transfer APR
17.74% - 27.74%
Variable
Cash Advance APR
29.49%
Variable
Foreign Transaction Fee
None
Balance Transfer
$0.05
Cash Advance
$5
Late Payment
$41
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Bank of America
See all 42 cards
70,000 Points
Worth $1,050
After you spend $3,000 on purchases on your new card in your first 3 months of card membership.
- 4.5%Alaska Air
- 4.5%Dining
- 4.5%Hawaiian Air
Annual Fee
$395
Rec. Credit
Good
95,000 Points
Worth $950
After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
- 3%Sonesta
- 2%Airline
- 2%Dining
Annual Fee
$75
Rec. Credit
Good