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
Chase Sapphire Preferred® Card		80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards	5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases	$95		Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.	Apply now View details	Compare	loading Fetching your data...
American Express® Gold Card		60,000 points after spending $4,000 in the first 3 months	3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)	$250		Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Chase Sapphire Reserve®		50,000 points after spending $4,000 in the first 3 months	10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases	$550		Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.	Apply now View details	Compare	loading Fetching your data...
Hilton Honors American Express Card		80,000 points after spending $1,000 in the first 3 months	7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases	$0		With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Luxury Card Mastercard® Titanium Card™		N/A	1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back	$195		Enjoy unique excursions, privileged access to exclusive events and insider opportunities.	Apply now View details	Compare	loading Fetching your data...
Costco Anywhere Visa® Card by Citi		N/A	4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases	$0		Get 3% back on your travel and dining purchases with no foreign transaction fees and use the card for your Costco membership.	Apply now View details	Compare	loading Fetching your data...
Delta SkyMiles® Gold American Express Card		50,000 miles after spending $2,000 in the first 3 months until 10/28/2020	2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases	$0 intro annual fee for the first year ($99 thereafter)		With a welcome offer worth up to $600, up to 2x miles on select purchases, and assorted Delta perks, this is a strong choice for Delta fans. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Chase Freedom Flex℠		$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year	5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases	$0		Get 5% back on purchases made through the Chase Travel Portal, making this a strong travel card as well as a solid everyday rewards card.	Apply now View details	Compare	loading Fetching your data...
Chase Freedom Unlimited®		$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year	5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases	$0		Now earning 5% on Chase Travel Portal purchases, this card has become a worthy travel card pick. Also get up to 5% on other everyday purchases.	Apply now View details	Compare	loading Fetching your data...
The World of Hyatt Credit Card		25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months	4x total points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases	$95		Earn 25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months.	See offer View details	Compare	loading Fetching your data...
Southwest Rapid Rewards® Priority Credit Card		40,000 points after spending $1,000 in the first 3 months	2x points on Southwest and Rapid Rewards hotel and car rentals and 1x points on all other purchases	$149		Earn 40,000 points after you spend $1,000 in the first 3 months of account opening.	See offer View details	Compare	loading Fetching your data...
Hilton Honors American Express Surpass® Card		130,000 points after spending $2,000 in the first 3 months	12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases	$95		With a big welcome offer worth up to $650, up to 12x points on spending, and free Gold status, this is an upgrade from the entry Hilton card. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Delta SkyMiles® Blue American Express Card		10,000 miles after spending $500 in the first 3 months	2x miles at restaurants and on direct Delta purchases and 1x miles on all other purchases	$0		Earn 2x miles on Delta purchases and dining with this simple, entry-level Delta card, and pay no annual fee. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Luxury Card Mastercard® Black Card™		N/A	1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back	$495		Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.	Apply now View details	Compare	loading Fetching your data...
IHG® Rewards Club Traveler Credit Card		100,000 points after spending $2,000 in the first 3 months	15x total points at IHG hotels, 2x points at gas stations, grocery stores and restaurants and 1x points on all other purchases	$0		Earn 100,000 points after spending $2,000 in the first 3 months from account opening.	See offer View details	Compare	loading Fetching your data...
Southwest Rapid Rewards® Plus Credit Card		40,000 points after spending $1,000 in the first 3 months	2x points on Southwest Airlines and 1x points on all other purchases	$69		Earn 40,000 bonus points after you spend $1,000 on purchases in the first 3 months your account is open.	See offer View details	Compare	loading Fetching your data...
Delta SkyMiles® Platinum American Express Card		60,000 miles and 5,000 MQMs after spending $3,000 in the first 3 months	3x miles on Delta and direct hotel purchases, 2x miles at restaurants and US supermarkets and 1x miles for all other purchases	$250		This card boasts a welcome offer worth up to $720, an annual companion certificate and valuable Delta perks. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Delta SkyMiles® Reserve American Express Card		40,000 miles and 10,000 MQMs after spending $3,000 in the first 3 months	3x miles on direct Delta purchases and 1x miles on all other purchases	$550		Delta's luxury offering shines with access to Delta Sky Clubs, Centurion Lounges, an annual companion certificate and more valuable travel perks. Rates & fees	Apply now View details	Compare	loading Fetching your data...
British Airways Visa Signature® Card		50,000 Avios after spending $3,000 on purchases in the first 3 months, plus 50,000 Avios after spending $20,000 in the first year	3x Avios on British Airways and partner airlines, 2x on hotels and 1x on all other purchases	$95		50,000 Avios after spending $3,000 on purchases in the first 3 months, plus 50,000 Avios after spending $20,000 in the first year	See offer View details	Compare	loading Fetching your data...
Southwest Rapid Rewards® Premier Credit Card		40,000 points after spending $1,000 in the first 3 months	2x points on Southwest Airlines and 1x points on all other purchases	$99		Earn 40,000 bonus points after you spend $1,000 on purchases in the first 3 months.	See offer View details	Compare	loading Fetching your data...
IHG® Rewards Club Premier Credit Card		140,000 points after spending $3,000 in the first 3 months	25x points at IHG hotels, 2x on gas, groceries and dining and 1x on all other purchases	$0 intro annual fee for the first year ($89 thereafter)		140,000 points after spending $3,000 in the first 3 months.	See offer 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.