I got Royal Caribbean's new premium credit card. I pay $99 per year, but its benefits are worth way more than the fee
In:Royal Caribbean recently launched a two new credit cards, including a premium card that has better perks along with an annual fee.

Guest writer Ira Winkler is a longtime cruise fan who has been sailing with Royal Caribbean for years. He recently sailed on Independence of the Seas and utilized his Royal One Plus credit card benefits. He shared his thoughts on whether this new premium travel card is worth it with Royal Caribbean Blog.
When Royal Caribbean announced a new credit card, I was skeptical.
I heard they were going to charge for the better card. And while some people assume it's a money grab, I've found that premium cards usually have benefits. However, you have to really calculate whether or not the extra expense is worth it.
This time, the call was easy, at least for me.
Here's what it's like using the brand-new Royal One Plus credit card — and why it's the perfect addition to my credit card lineup.
Priority Boarding

(Credit: Ira Winkler)
I've only ever traveled in suites on all past cruises. Recently, however, my wife received a casino offer in the mail, and one option was a four-night trip to Nova Scotia, where she had never been before. As such, we decided on the cruise aboard Independence of the Seas.
The potential upgrade costs didn't seem worth it for a short cruise, so we stuck with the
free balcony cabin. This, however, meant that we didn't get our usual (and much-appreciated) suite boarding benefits.
As such, this was the perfect time to test out the priority boarding benefit of the Royal One Plus card.

(Credit: Ira Winkler)
Unfortunately, due to traffic, we didn't arrive at the port until 1:30 p.m. The Royal
One Plus luggage drop was clearly indicated on the same banner as The Key and Suite check-in, but it was already closed.
Therefore, I had to drop my luggage off with the regular porters and go through the standard security line. Since it was long, I asked a terminal employee if there was a suite line that I was missing, and they let us bypass the regular line by hopping in the handicapped one.
Once inside the terminal, we had to wait in another line to check in, which took around fifteen minutes.

(Credit: Ira Winkler)
While standing in line, I noticed a clearly defined seating area with refreshments that Royal One Plus cardholders and suite guests likely used.
Frankly, the fact that I usually travel in suites meant that going through the standard check-in process provided me with something to compare it to. If I had shown up
earlier, I likely would have saved around twenty minutes, and the overall embarkation experience would have been more relaxed.
Assuming I would have received suite-like embarkation, I would consider the boarding perks a major benefit of the Royal One Plus credit card, especially given my dislike of lines.

(Credit: Ira Winkler)
Moreover, I didn't benefit from priority luggage delivery, but our bags arrived outside our door before 4 p.m.
Lack of Special Cardholder Events

(Credit: Ira Winkler)
The biggest disappointment with the benefits was the advertised "Exclusive Cardholder Events." In short, there were none. I looked for information in my cabin similar to the Crown & Anchor Society and Casino Royale documents, but there was nothing.
I even asked the Diamond Concierge, but he never heard about it. He contacted a variety of people with no luck.
It is possible that the Exclusive Cardholder Events may be something specific to Visa
or Bank of America offers, but there is no context or information anywhere about this.

While the "Events" benefit is listed on the Royal Caribbean website, it is not listed on
Bank of America's website. Perhaps they will add events in the future. We'll see!
SeaPass Issues

(Credit: Ira Winkler)
One problem I had during my sailing was that my SeaPass card didn't show my drink package. Customer service tried to reprint my SeaPass card several times with no success in including the drink package.
Ironically, because my wife did not have the Royal One Plus logo on her card, she had no issues with the drink package.
While customer service did add a sticker to the card to ensure I received the benefits of the drink package, it might indicate that the Royal One Plus logo glitched the card printing system.
App Integration

A pleasant addition to the Royal Caribbean mobile app is that you can now see how many points you have towards exclusive credit card rewards on your profile screen. Clicking the "Redeem" feature also indicates how many points are pending.
Logging in through the Bank of America website lets you redeem points on any of the sister cruise lines (i.e., Celebrity Cruises and Silversea). However, if you want to redeem points for an upcoming Royal Caribbean cruise, this is much easier than going through the online banking portal.
Accumulating Rewards

While many premium credit cards offer double rewards points for gas, groceries, airfare, and possibly even cruises, the Royal One Plus card distinguishes itself with 4x rewards points for spending on any Royal Caribbean brand.
The value of this reward greatly depends on how much you cruise, the type of cabin you book, and how much you spend on the ship.
If you are like me, this reward can add up quickly. I cruise about eight times a year, frequently in suites, and have a Silversea cruise coming up. As such, this benefit can earn me over $1,000 in onboard credit per year!
No International Transaction Fees

If you travel internationally, you might find that your current card charges you a 3% or more transaction fee. Thankfully, the Royal One Plus card doesn't charge such fees.
Given that this can apply to expensive hotel stays and other related costs, this perk alone can offset the $99 annual fee — if you take an international trip.
Some overseas vendors have an option to charge your transaction in U.S. dollars instead of the local currency. However, the exchange rate is not favorable, and it usually works out to cost more than the 3% transaction fee you would otherwise pay.
TSA Precheck/Global Entry

Another benefit of the Royal One Plus card is the TSA Precheck/Global Entry credit. If you travel enough to need the Royal One Plus card, you likely fly at least a couple of times a year. Trust me when I say that there's no greater time saver for air travel within the United States than TSA Precheck — and Global Entry, if you fly internationally.
Applying for Global Entry gets you TSA Precheck by default. With TSA Precheck, the airport security screening lines are usually significantly shorter, and the security process is easier.
If you have "Touchless" TSA Precheck, which is a free upgrade, the lines are even shorter! You walk up to the security area, biometrically scan your face, and simply walk into the luggage screening area.

Global Entry, on the other hand, is an international traveler's dream. You can be through Customs and Immigration in as long as it takes to walk through the area. You walk up to a Global Entry kiosk, where there is rarely a line, and you are generally through immigration screening in seconds.
Global Entry/TSA Precheck normally costs anywhere from $85 to $120/year, but if you frequently fly, it is easily worth it. Since reimbursement is included with the Royal One Plus card, that benefit alone further offsets the card's $99 annual fee — at least for the first year.
A Big Caveat

Before you apply for any credit card, you must consider whether you can pay off the card monthly. If not, you should definitely consider the interest rates.
For example, getting 4x back on a cruise for onboard credits sounds awesome! That means that a $2,500 cruise can get you around $100 to spend however you like. But, if you pay off that $2,500 over time with an 18% interest rate, which is relatively low these days, you'll spend more than $100 on interest in three months.
If you are going to spend the money and pay over time on another credit card, then the interest rate might not be as much of a concern. Just understand that it is a strong consideration that can negate the benefits of any credit card reward.
The Final Verdict: Is The Royal One Plus Credit Card Good?

Personally, the onboard benefits alone (i.e., suite boarding and exclusive events) would not justify paying the $99 yearly fee. However, being a frequent cruiser who pays off credit card bills monthly, the Royal One Plus card pays for itself 20 times over. It isn’t as versatile as a standard credit card rewards program, but it applies the benefits where I enjoy them.
If you were to ask me where I would draw the line, I would say, "This depends completely on the individual and their spending and payment habits." However, if you cruise twice a year on Royal Caribbean brands, it is likely a great card, even if for no other reason than the $200 yearly certificate you receive (assuming you make the minimum charges).
I also admit that when I use the card, it does have me think about how I am going to be spending the onboard credit, even for a brief moment, and that can be priceless!


























































































