Current Welcome Bonus & Value
As of June 2026, the Royal ONE™ card offers a welcome bonus of 45,000 points. This bonus is estimated to be worth $450, providing a substantial return for a no-annual-fee card.
Minimum Spend to Earn It
To earn the 45,000-point welcome bonus, you must spend $2,000 on eligible purchases within the first 90 days of account opening. This is a standard spend requirement for many credit card bonuses.
Who's Eligible
Eligibility for the Royal ONE™ card, like all Bank of America products, is subject to specific application rules designed to limit new card approvals.
- Bank of America 2/3/4 Rule: This unofficial rule suggests that Bank of America may deny applications if you've opened approximately:
- 2 new Bank of America cards in the past 2 months.
- 3 new Bank of America cards in the past 12 months.
- 4 new Bank of America cards in the past 24 months.
- Bank of America 3/12 Rule: This rule indicates that Bank of America may deny applications if you've opened approximately 3 new credit cards from any issuer within the past 12 months. This is a broader restriction that counts all new accounts on your credit report.
- Credit Score: While no specific credit score floor is provided, a good to excellent credit score (typically 670+) is generally recommended for approval on premium rewards cards.
- Previous Bonuses: There is no explicit "once-per-lifetime" rule stated for the Royal ONE™ card. However, issuer policies can change, and it's always wise to check the specific terms at the time of application.
Is It Worth It? (Pros & Cons)
The Royal ONE™ card can be a valuable addition to a churner's portfolio, especially given its no-annual-fee structure.
Pros:
- Significant Welcome Bonus: A $450 estimated value for a no-annual-fee card is excellent.
- No Annual Fee: This eliminates ongoing costs, making it easy to keep the card long-term without worrying about justifying the fee.
- Points Earning: The card earns points on purchases, providing ongoing value beyond the welcome bonus.
Cons:
- Foreign Transaction Fee: The card charges a foreign transaction fee, making it unsuitable for international travel or purchases made in foreign currencies.
- Bank of America Application Rules: The 2/3/4 and 3/12 rules can be restrictive, requiring careful planning of your credit card applications across all issuers.
- No Specific Multipliers Provided: Without specific category multipliers, its everyday earning potential might be limited compared to other specialized cards.
How to Apply
To apply for the Royal ONE™ card, visit the official Bank of America website or a trusted financial product comparison site. Ensure you review the most current offer terms and conditions before submitting your application. Remember to check your eligibility against Bank of America's application rules to maximize your chances of approval.
Alternatives
If the Royal ONE™ card doesn't fit your current strategy, or if you're looking for other Bank of America options or similar rewards, consider these related cards:
- Spirit ‘Free Spirit’ Credit Card
- Atmos Rewards Summit Visa Infinite Card
- Bank of America® Premium Rewards® credit card
- Premium Rewards Credit Card
- Travel Rewards Credit Card
- Premium Rewards Elite Credit Card