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CardCurator — Rewards Intelligence
Quick Answer

The Royal ONE Plus Visa Signature Credit Card edges out the Southwest Premier for most cardholders — it wins on 3 of 4 comparison categories and offers 70,000 pts signup bonus earns more (up to 4x vs 3x). The Southwest Premier is the better choice if you prioritize a different rewards ecosystem.

Card Comparison

Royal ONE Plus Visa Signature Credit Card vs Southwest Premier

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Royal ONE Plus Visa Signature Credit Card card art
Royal ONE Rewards
Royal ONE Plus Visa Signature Credit Card
Bank of America
More Info
Southwest Premier card art
Southwest Rapid Rewards
Southwest Premier
Chase
More Info

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.

How we rank cards Editorial policy Data sources
Annual Fee
$99/yr
$149/yr
Foreign Fees
None
None
Signup Bonus
70,000 points
Spend $3,000 in 3 months
85,000 points
Spend $3,000 in 3 months
was 50k pts
Top Earn Rates
  • Royal Caribbean, Celebrity Cruises & Silversea 4x
  • Airlines 2x
  • Hotels 2x
  • Southwest Purchases 3x
  • Grocery Stores and Restaurants 2x
  • All Other Purchases 1x
Reward Type
miles
miles
Pts Value
~1.00¢/pt points · industry est.
~1.40¢/pt points · industry est.
Key Credits
  • Global Entry or TSA PreCheck Credit $120
None
Spend Milestones
No milestones
  • 1,500 Tier Qualifying Points toward A-List status
    After $5,000 spend
Transfer Partners
No transfer partners
No transfer partners
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Common Questions: Royal ONE Plus Visa Signature Credit Card vs Southwest Premier

Is the Royal ONE Plus Visa Signature Credit Card or Southwest Premier better for dining?

Royal ONE Plus Visa Signature Credit Card earns 2x on dining; Southwest Premier earns 2x on dining. Royal ONE Plus Visa Signature Credit Card wins for dining.

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 Premier offers 85,000 pts signup bonus (spend $3,000 in 3 months). Southwest Premier 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 Premier?

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 Premier is from Chase, so they're governed by separate bank policies.