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10,000
Points as welcome offer
Up to 2x
Points
$0
Annual fee
0%
Intro purchase APR
for the first 15 billing cycles (then 13.99%, 18.99% or 23.99% variable)
Annual fee | $0 |
---|---|
Welcome Offer | 10,000 points after you use your card for the first time |
Rewards | 2x points on Princess and 1x points on all other purchases |
Purchase APR | 0% intro for the first 15 billing cycles (then 13.99%, 18.99% or 23.99% variable) |
Balance transfer APR | 0% intro for the first 15 billing cycles (then 13.99%, 18.99% or 23.99% variable) |
Recommended minimum credit score | 670 |
Issuer | Visa |
Review by
Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
This no-annual-fee card could be a good option if you’re a frequent cruiser. You get the benefits of reward points with a higher multiplier for Princess Cruise purchases, and you can even redeem those points for other cruise lines as well.
But you’re not limited to spending points specifically on cruises — you can redeem them for flights, hotels, car rentals and more. If you only go on cruises occasionally, you may find a general travel card more useful.
Typically, you’ll receive an immediate decision on your application. If additional information is required, you may have to wait a few business days up to a few weeks.
Once approved, you’ll receive your card within seven to 10 business days. If you’re eager to get your card sooner, Barclays can send it to you with expedited shipping for a fee of $15.
Redeeming points for Princess purchases can be a great value — especially if you accumulate lots of points for a big spending spree. And Loyalty Edge redemptions give points a lot of flexibility.
You can start redeeming your points at 5,000 for a $50 statement credit toward an eligible Princess cruise purchase.
Redemption value varies based on the amount of the Princess cruise purchase. For example, based on the terms and conditions of this card as of December 2018:
To use the intro APR period for this card, post your balance transfers within 45 days of card membership. Once the intro period passes, a variable APR of 13.99%, 18.99% or 23.99% will apply. Keep in mind that it takes at least four weeks for your balance transfers to post to your account, which means you’ll want to get them in right away to take advantage of the intro period.
You’ll pay either $5 or 3% of the transaction, whichever is greater, in balance transfer fees. This brings a balance transfer of $1,000 to $1,030 with the addition of the $30 fee.
If your requested amount exceeds your credit limit, Barclays may either decline your request or accept a partial amount. Know that Barclays won’t accept balance transfers that come from another Barclays account.
If you change your mind, you have 10 days from the day your credit card was approved to cancel any balance transfers you initiated. To do that, call the number on the back of your card.
To apply for the Princess Cruises 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.
You’ll need to provide information, such as:
You’ll have a better chance of approval if you apply with a good to excellent credit score of 670 or higher. Of course, a higher credit score will result in a better APR and increase your likelihood of approval.
The Better Business Bureau has accredited Barclays and rates the bank at a solid A+. Based on 53 customer reviews and the BBB rating at the time of this writing, Barclays has a composite score of 3.77 out of 5.
Most complaints revolve around poor customer service for the bank in general. As for the card itself, customers loyal to Princess Cruises love the redemption value onboard the cruise ships.
Holland America Line Rewards Visa® Card review
This card may be the right pick if you’re a frequent Princess cruiser — especially considering the fact that the card has no annual fee. If you’re an occasional cruiser, a general travel card like the Bank of America® Travel Rewards Credit Card may be better suited to your needs or compare travel credit cards to find the one that’s best for you.