Holland America Line Rewards Visa® Card review

How to apply for the Holland America Line Rewards Visa® Card

1. Go to the Barclays website and find the Holland America Line Rewards Visa® Card. Click Apply now.
2. Complete the application with all the required details.
3. Review your application and submit it.

How long will it take to get my Holland America Line Rewards Visa® Card?

Barclays usually makes an immediate decision on your application. In some cases, you may have to submit additional information and wait a few business days to a few weeks for your application to be processed.

Once approved, expect your card to arrive in the mail within seven to 10 business days.

The perks

• Signup bonus.

  After you make your first purchase, you’ll earn 5,000 points. That’s enough for a $50 of onboard credit when you take a Holland America Line cruise.

• No annual fee.

  You won’t have to pay an extra fee every year to own this card.

• Earn points.

  Earn 2x points on Holland America Line purchases. For everything else, earn 1x points. Redeeming points is simple, and you have several redemption reward options to choose from.

You’ll also like …

• Intro APR for balance transfers.

  Get a 0% intro APR period for the first 15 billing cycles following your account opening. Balance transfers must post to your account within 45 days of card membership to qualify. After that, an APR of 13.99%, 18.99% or 23.99% variable applies.

• No foreign transaction fees.

  Use your card internationally without incurring fees. Other cards have up to a 3% fee for every transaction.

• Concierge service.

  Get assistance with dining, travel, hotel and entertainment reservations.

• Fraud liability protection.

  You’re not responsible for unauthorized charges on the card when you report them.

What to watch out for

• Balance transfer limitations.

  To use the intro APR period for balance transfers, your transfers must post within 45 days of card membership.

  Each balance transfer will also cost you either $5 or 3% of the transaction, whichever is greater.

• Potentially high APR.

  You could have a purchase and balance transfer APR as high as 13.99%, 18.99% or 23.99% variable . This is relatively high when compared to average rate of 16%.

• Penalty fees.

  If you make late or returned payments, you’ll pay up to $39. Luckily, the card doesn’t have a penalty APR.

Compare credit cards with cruise benefits

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Name	Product	Welcome offer	Rewards	Annual fee	Filter values
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 all other 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...
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. Plus up to $50 statement credit towards groceries	5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other purchases	$95		Earn a signup bonus worth $1,000 plus up to $50 statement credit towards groceries with this popular travel card.	Apply now View details	Compare	loading Fetching your data...
The Platinum Card® from American Express		75,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe	10x points at US gas stations and US supermarkets on up to $15,000 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 purchases	$550		One of the most valuable premium travel cards, featuring two welcome offers worth up to $4,500 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...

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How does a balance transfer work with this card?

If your requested transfer amount exceeds your credit limit, Barclays may decline your request or they may accept a partial amount. Keep in mind that Barclays won’t accept balance transfers from another Barclays account.

For each transfer you make, you’ll pay either $5 or 3% of the transaction, whichever is greater. That means a $1,000 balance transfer costs $30 in fees. It also takes at least four weeks for your balance transfers to post to your account, so you’ll need to request them early if you want to take advantage of the intro APR offer.

You have 10 days from the day your card is approved to cancel any balance transfers you initiate. Just call the number on the back of your card.

What should I know before I apply?

To apply for the card, you must be at least 18 years old and a US resident. Residents of Puerto Rico and US territories are not eligible.

You need to provide information, such as:

• Full name and contact information.
• Employment and financial information.
• Social Security number, date of birth and mother’s maiden name.

Holland America Line Rewards Visa® Card reviews and complaints

The Better Business Bureau (BBB) accredited Barclays in 2001 and rated the bank with an A+. At the time of writing, 53 customer reviews in addition to the BBB rating land Barclays a composite score of 3.77 out of 5 stars. Most reviewers on the BBB site take issue with the bank’s customer service.

I got the card. Now what?

• Download the Barclays app. Get access to your free FICO® score, set up automatic payments, track your spending and more.
• Make minimum payments. You won’t earn points for your purchases during a billing cycle if you don’t make the minimum payment.
• Avoid interest. You have a 23 day grace period to pay your balance. Try to make your payments by then to avoid paying interest on your purchases.
• Customer service. If you have questions, contact Barclays customer service at 866-928-8598.

Bottom line

Whether this is a good card for you comes down to how much you spend with Holland America Line. If you’re a regular cruiser, you’ll quickly accumulate points you can use for future trips — and not just for Holland America Line cruises.

If you don’t travel with Holland America Line often, you may want to compare general travel rewards cards.

Frequently asked questions

• Does the card have a signup bonus?
  Yes. After you make your first purchase, you’ll get 5,000 points, worth $50 for Holland America Line purchases.
• If I qualify for the signup bonus, when will I receive my points?
  You’ll receive the points at the close of the billing statement after you make your first purchase or balance transfer.
• Do points expire?
  As long as you keep your account open and in good standing, your points won’t expire.
• Is there a minimum I have to spend with Holland America Line to use points as statement credit?
  Yes. To use statement credits, you must spend at least $50 with Holland America Line.
• Does the card have an annual fee?
  No, the card has no annual fee.
• What are my points worth?
  The more you spend on Holland America Line purchases, the more statement credits your points are worth toward those purchases.

  According to the provider site as of November 2018, for purchases of:

  • $50 to $499.99 your points are worth 1%
  • $500 to $1,499.99 your points are worth 1.25%
  • $1,500 to $2,000 your points are worth 1.5%
  • $2,001 to $4,000.99 your points are worth 2%
  • $4,001 and more your points are worth 2.5%

Images: Barclaycard