The Royal ONE Plus Visa Signature Credit Card edges out the Southwest Plus for most cardholders — it wins on 2 of 4 comparison categories and offers 70,000 pts signup bonus earns more (up to 4x vs 2x). The Southwest Plus is the better choice if you prioritize a different rewards ecosystem.
Royal ONE Plus Visa Signature Credit Card vs Southwest Plus
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.
- Royal Caribbean, Celebrity Cruises & Silversea 4x
- Airlines 2x
- Hotels 2x
- Southwest Purchases 2x
- Gas Stations and Grocery Stores 2x
- All Other Purchases 1x
- Global Entry or TSA PreCheck Credit $120
Common Questions: Royal ONE Plus Visa Signature Credit Card vs Southwest Plus
Is the Royal ONE Plus Visa Signature Credit Card or Southwest Plus better for dining?
Royal ONE Plus Visa Signature Credit Card earns 2x on dining; Southwest Plus has no dining bonus.
Which has the higher signup bonus in 2026?
Royal ONE Plus Visa Signature Credit Card currently offers 70,000 pts signup bonus (spend $3,000 in 3 months). Southwest Plus offers 85,000 pts signup bonus (spend $3,000 in 3 months). Southwest Plus 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 Royal ONE Plus Visa Signature Credit Card and the Southwest Plus?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Royal ONE Plus Visa Signature Credit Card is from Bank of America and Southwest Plus is from Chase, so they're governed by separate bank policies.