The American Express Gold Card edges out the Royal ONE Plus Visa Signature Credit Card for most cardholders — it wins on 2 of 4 comparison categories and offers 100,000 pts signup bonus. The Royal ONE Plus Visa Signature Credit Card is the better choice if you want no or lower annual fee.
American Express Gold Card vs Royal ONE Plus Visa Signature Credit Card
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Restaurants (Worldwide) 4x
- U.S. Supermarkets 4x
- Flights (Direct or Amex Travel) 3x
- Royal Caribbean, Celebrity Cruises & Silversea 4x
- Airlines 2x
- Hotels 2x
- Uber Cash $10
- Dining Credit $10
- Resy Credit $100
- +1 more
- Global Entry or TSA PreCheck Credit $120
- The Hotel Collection Access
- Baggage Insurance Plan
- Trip Delay Insurance
- Flying Blue
- Delta SkyMiles
- JetBlue TrueBlue
- Qatar Avios
- Virgin Atlantic Flying Club
- +13 more
Common Questions: American Express Gold Card vs Royal ONE Plus Visa Signature Credit Card
Is the American Express Gold Card or Royal ONE Plus Visa Signature Credit Card better for dining?
American Express Gold Card earns 4x on dining; Royal ONE Plus Visa Signature Credit Card earns 2x on dining. American Express Gold Card wins for dining.
Which has the higher signup bonus in 2026?
American Express Gold Card currently offers 100,000 pts signup bonus (spend $6,000 in 6 months). Royal ONE Plus Visa Signature Credit Card offers 70,000 pts signup bonus (spend $3,000 in 3 months). American Express Gold Card has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the American Express Gold Card and the Royal ONE Plus Visa Signature Credit Card?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. American Express Gold Card is from American Express and Royal ONE Plus Visa Signature Credit Card is from Bank of America, so they're governed by separate bank policies.