Bank of America Royal One Plus — 70,000 Points Sign-Up Bonus (2026 Review)
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Overview
The Bank of America Royal One Plus is currently offering 70,000 Points after $3,000 in purchases within 3 months. It carries a $99 annual fee, with no first-year credits to soften it. Estimated net year-one value: $601 based on a 1¢ per-point valuation.
Who This Card Is For
Cardholders who can fully use the 70,000 Points bonus, the $0 in credits, and any travel benefits — and who'd find the value even after the $99 annual fee.
How to Maximize the Sign-Up Bonus
To hit the $3,000 requirement in 3 months, you need about $1,000 per month in organic spend on this card. Route any predictable monthly bills you'd otherwise pay from a debit card — utilities, groceries, gas, streaming subscriptions — through the Bank of America Royal One Plus until you've earned the 70,000 Points bonus. Mind your issuer rules: check the issuer's velocity rules before applying. Track the SUB cycle in Stacks OS so you can downgrade or cancel before the next AF posts if the card stops earning its keep.
Pros
Cons
How This Compares
Within Bofa's personal lineup, the closest comparison is the BofA Premium Rewards (60,000 BofA points after $4,000/3mo, $95 AF). The Bank of America Royal One Plus is the right pick when you value premium benefits and credits over a no-fee structure.
Frequently Asked Questions
What's the current Bank of America Royal One Plus sign-up bonus?
As verified directly from the issuer offer page, the current bonus is 70,000 Points after spending $3,000 on purchases within 3 months of account opening.
What's the Bank of America Royal One Plus annual fee?
The annual fee is $99.
How long does the Bank of America Royal One Plus sign-up bonus take to post?
Once you cross the $3,000 spend threshold, the bonus typically posts within 1–2 statement cycles — call it 6–8 weeks from the day you hit the requirement. Track the milestone in Stacks OS Spending so you don't miss the deadline.
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Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Nathaniel covers the best bank bonuses, credit card strategies, and savings optimization on his YouTube channel.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.