How to use the Royal ONE Visa Signature Cruise discount after spend
The Bank of America Royal ONE Visa Signature Cruise discount after spend is worth $100 after $10,000 / anniversary. It resets once per account year, on the anniversary of the month your account opened — not on January 1.
What it is
An annual $100 cruise discount after spending $10,000 on purchases within the prior anniversary year, valid across Royal Caribbean, Celebrity Cruises, and Silversea. Spend-gated. This is a cruise discount, not leftover dollars.
Summarized from Bank of America’s published terms, checked November 11, 2026. Terms change — confirm details with Bank of America before you rely on them.
When it resets
One window per account year. It starts on the date your account opened, not January 1, so check your account open date.
How not to lose it
- Find your account open date in the issuer’s app. That, not January 1, is when this credit resets.
- Don’t wait for the last day. Statement credits can take days to post, and a purchase that settles after the window closes may not count.
- Pay with the Royal ONE Visa Signature. The credit only follows purchases charged to the card that carries it.
Quick answers
How much is the Royal ONE Visa Signature Cruise discount after spend?
$100 after $10,000 / anniversary. An annual $100 cruise discount after spending $10,000 on purchases within the prior anniversary year, valid across Royal Caribbean, Celebrity Cruises, and Silversea. Spend-gated. This is a cruise discount, not leftover dollars.
When does the Royal ONE Visa Signature Cruise discount after spend reset?
One window per account year. It starts on the date your account opened, not January 1, so check your account open date.
How do I remember to use the Royal ONE Visa Signature Cruise discount after spend?
Add the Royal ONE Visa Signature to CardSmart, a free iPhone and Android app. It shows which credits are still unused and reminds you before each window closes. No card number or bank login needed.