Is the Holland America Line Rewards Visa Card worth it? | February 2018

Review: Holland America Line Rewards Visa® Card – February 2018

Earn 2x the points on all Holland America Line purchases.

  • Get this card if… you spend heavily with Holland America Line cruises.
  • Pick something else if…you don’t spend much yearly and aren’t a regular Holland America Line cruiser.
  • Recommended good to excellent credit score of 680 to 850.
Product NameHolland America Line Rewards Visa® Card
Intro APR for Balance Transfer0% Intro APR for first fifteen billing cycles (with whichever is greater, $5 or 3% balance transfer fee)
Balance Transfer Rate (not intro)15.24%, 20.24% or 25.24% variable
APR for Purchases ( Purchase Rate )15.24%, 20.24% or 25.24% variable
Annual fee$0
Cash Advance Rate26.49% variable
Card TypeVisa
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 23 days
Returned Payment Fee$37
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
0% of transaction value
Minimum Interest$0.50
Minimum Credit ScoreFair (660-699)
Minimum Age18 years of age
Annual fee$0
Returned Payment Fee$37
Late Payment Fee$37
Cash Advance Fee$10 or 5% of the amount of each cash advance, whichever is greater.
Rewards ProgramBarclaycard Rewards
Bonus Points on Sign-up5,000
Rewards Points per $ spent (VISA/MC)2
Points ExpiryNever

The basics

The Holland America Line Rewards Visa Card is relatively light on perks, but it’s $0 p.a. annual fee helps.

The signup bonus is a quick reward — just after you make your first purchase. It’s good for 5,000 points, which is worth $50 in statement credit toward a Holland America Line onboard purchase.

Get more points for Holland America Line purchases

You’ll receive 2x points on all Holland America Line purchases and 1x points on everything else. Redeem them for Holland America Line statement credit, discounts, onboard amenities, gift cards and merchandise. As a bonus, you can use them for airfare statement credits.

The more you spend with Holland America Line, the more statement credits your points are worth. Check out this table to see how far your points can go.

Amount spent with Holland America Line in the past 180 daysYour points are worth…
$50–$499.991%
$500–$1,499.991.25%
$1,500–$2,0001.5%
$2,001–$4,000.992%
$4,001+2.5%

Needless to say, you’ll create a rewarding cycle of points if you’re a Holland America Line regular. Not only will you earn accelerated points on Holland America Line cruises, you’ll also redeem those points for more statement credits.

Amount spent with Holland AmericaPoints receivedStatement credit valueStatement credit value (percentage)
$1,0002,000$251.25%
$2,5005,000$1002%
$10,00020,000$5002.5%

Is the card worth getting?

Ultimately, this may come down to how much you spend with Holland America Line. One of the card’s biggest benefits is its 2x points for Holland America Line spending. If you’re a regular cruiser, you’ll quickly accumulate points you can use for future trips. If you don’t travel with Holland America Line often, you may be better off with a general rewards card like the BankAmericard Travel Rewards.

Holland America Line Rewards Visa vs. other cards

If you’re comparing this card to other travel cards, consider how much you spend yearly. If you’re a modest spender, the Holland America Line card holds up well against annual-fee travel cards like the Barclaycard Arrival Plus. You may, however, get more out of a no-annual-fee card like the BankAmericard Travel Rewards.

Compare rewards: Holland America Line vs. popular travel cards

Here we compare your rewards with similar travel cards, based on your spending.

$4,000 in everyday spending
Holland America Line Rewards Visa CardBarclaycard Arrival Plus World Elite MastercardBankAmericard Travel Rewards
Rewards4,000 points ($40 value)8,000 miles ($80 value)6,000 points ($60 value)
Annual fee$0 p.a.$89$0
Total value$40-$9$60
$5,000 in everyday spending or $1,500 in Holland America Line spending
Holland America Line Rewards Visa CardBarclaycard Arrival Plus World Elite MastercardBankAmericard Travel Rewards
Rewards5,000 points from everyday spending; 3,000 points from Holland America Line spending (8,000 total; $80 value)13,000 miles from all spending ($130 value)9,750 points from all spending ($97.50 value)
Annual fee$0 p.a.$89$0
Total value$80$41$97.50
$10,000 in everyday spending; $5,000 in Holland America Line spending
Holland America Line Rewards Visa CardBarclaycard Arrival Plus World Elite MastercardBankAmericard Travel Rewards
Rewards10,000 points from everyday spending; 10,000 points from Holland America Line spending (20,000 total; $200 value)30,000 miles from all spending ($300 value)22,500 points from all spending ($225 value)
Annual fee1$0 p.a.$89$0
Total value$200$211$225

For travel cards, BankAmericard Travel rewards are worth more and aren’t offset by an annual fee.

The perks

  • Signup bonus: 5,000 points. When you make your first purchase, you’ll earn 5,000 points. That’s enough for a $50 onboard credit on a Holland America Line cruise.
    You can use points for Holland America Line discounts, onboard amenities, gift cards and merchandise. You can also use them for airfare statement credit.
  • Points: Earn points on all purchases, and more on Holland America Line purchases. You’ll earn 1x points on everything you buy. On Holland America Line purchases, you’ll earn 2x points.
  • No annual fee

You’ll also like …

  • No foreign transaction fees. Use your card internationally without incurring fees.
  • Concierge service. Get assistance with dining, travel, hotel and entertainment reservations.
  • $0 Fraud Liability protection. You’re not responsible for unauthorized charges.

What to watch out for

  • Potentially high APR. Depending on your credit, you could have a purchase and balance transfer APR as high as 15.24%, 20.24% or 25.24% variable.
  • Higher APR for cash advances. Cash advances come with a 26.49% variable APR.
  • Other fees. The card has balance transfer fees and cash advance fees.
  • Penalty fees. Late and returned payments can hurt: You’ll pay up to $37.00.

What should I know before I apply?

To apply for the Holland America Line Rewards Visa Card, you must be at least 18 years old and a US resident. Residents of Puerto Rico and US territories are not eligible.

Always consider your options and your financial situation before you apply for a credit card.

Information you’ll need

  • Full name and contact information
  • Residential status
  • Annual income and employment information
  • Social Security number, date of birth and mother’s maiden name

What credit score do I need?

You’ll have a better chance of approval for the Holland America Line Rewards Visa Card if you apply with a good to excellent credit score of 680 or higher.

How to apply for the Holland America Line Rewards Visa Card

1. Go to the Barclaycard Holland America Line Rewards Visa site and click Apply Now.

Holland America Line Rewards Visa Card step 1

2. Complete the application with details like your name, contact information, employment information and Social Security number. Then click Apply to submit your application.

Holland America Line Rewards Visa Card step 2

How long will it take to be approved?

Typically, you’ll receive an immediate decision on your application. In rare cases, you may need to wait a few days to a few weeks until Barclaycard manually approves your application.

I got the card. Now what?

  • Make timely payments. Pay your bill online at the Barclaycard website, where you can also enroll in autopay.
  • Avoid interest. After the close of each billing cycle, you have a grace period of 23 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoid fees. Late and returned payments come with hefty fees of up to $37. Balance transfers and cash advances also come with fees.
  • Customer service. If you have questions, contact Barclaycard customer service at 866-928-8598.

Bottom line

You’ll get far more value out of this card if you’re a big Holland America Line spender. If you’re not, consider a no-annual-fee card like the BankAmericard Travel Rewards.

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