Celebrity Cruises® Visa Signature® Credit Card review

Card benefits

• Rewards: Up to 2x MyCruise points on eligible purchases.
  Every dollar spent on qualifying purchases at Celebrity Cruises and sister brands earn 2x MyCruise points. All other purchases earn 1x points per dollar. Points can be redeemed for cruise vacations, onboard credits and amenities, stateroom upgrades, cruise discounts, merchandise and as charitable donations.
• Bonus miles.
  Earn 10,000 MyCruise points with your first transaction within 90 days of opening your account. You can earn an additional 5,000 points when you make a total of $1,000 in purchases within the same timeframe. According to the Celebrity Cruises website as of January 2019, when combined, the bonuses are worth $150 in onboard credit.
• Cruise discount.
  Spend $5,000 within 60 days of your account opening and receive a $300 discount on a qualifying future cruise.
• No foreign transaction fees.
  You won’t have to worry about any foreign transaction fees for purchases made outside the US.

• Airfare discount.
  Earn a $50 discount on flights booked through Celebrity.
• Cruise and tour discounts.
  Premium Beverage Packages and Private Journeys shore excursions come with a 10% discount. When you bring a second guest to any specialty restaurant, you’ll receive another 50% off.
• Visa Signature travel rewards.
  With a Visa Signature card, you’ll enjoy several travel perks, including 24/7 concierge service, lost luggage reimbursement and car rental insurance.

What to watch out for

• Annual fee.
  The card carries a $0 annual fee, meaning you’ll have to spend regularly for the card to pay for itself.
• Potentially high APR.
  Starting purchase and balance transfer interest rates for the card range from 14.99% to 22.99% variable APR. Cash advances are also subject to a variable APR of 17.99% to 25.99%.
• Expiring points.
  MyCruise points earned through your card expire five years from the month you earned them if they’re not spent.

Compare travel credit cards

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Name	Product	Welcome Offer	Rewards	Annual fee	Filter values
The Platinum Card® from American Express		100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined eligible purchases in the same timeframe	10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other eligible purchases	$695		New Platinum Exclusive Offer One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees	Apply now View details	Compare	loading Fetching your data...
American Express® Gold Card		60,000 points after spending $4,000 in the first 6 months	4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on other eligible purchases	$250		Rose Gold is Back Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees	Apply now View details	Compare	loading Fetching your data...
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®		50,000 miles after spending $2,500 in the first 3 months	2x miles on eligible American Airlines purchases, at gas stations and restaurants and 1x miles on all other purchases	$0 intro annual fee for the first year ($99 thereafter)		Earn 50,000 AAdvantage® bonus miles after you spend $2,500 in the first 3 months.	Apply now View details	Compare	loading Fetching your data...

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Bottom line

While the first year of use can be lucrative in terms of rewards for cardholders, maintaining that value the subsequent year and beyond can prove difficult if you don’t take frequent cruises on Celebrity Cruises or its sister cruise companies.

If you want a rewards card without a yearly fee and a more diverse reward program, compare some of your options.

Frequently asked questions

• What is the value of MyCruise Rewards points?

  Each point earned in the MyCruise Rewards program is worth one cent toward an eligible purchase.

• Does the card pay for itself?

  Simply earning the signup bonus on the card is enough to pay for the annual fee for your first year. After that, you’ll need to spend an average of $600 a month to cover your annual fee over a year.

• What happens to partial points?

  Points earned that are worth 0.5 cents or more are rounded up to the nearest cent. Those worth less than 0.5 cents are rounded down to the nearest cent.