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Royal Caribbean® Visa Signature® Credit Card review

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Bonus points at signup are generous, but rewards for spending are weak compared with other travel cards.

  • Get this card if… you cruise with Royal Caribbean, Celebrity Cruises or Azamara Club.
  • Pick something else if…you want more options in redeeming points for rewards.
  • Recommended excellent credit score of 670 to 850.

$100

Welcome offer

Up to 2x

Points

$0

Annual fee

16.74% to 24.74%

Purchase APR (variable)

Details

Product NameRoyal Caribbean® Visa Signature® Credit Card
Card typeVisa
Annual fee$0
Purchase APR16.74% to 24.74% variable
Balance transfer APR16.74% to 24.74% variable
Balance transfer fee$10 or 3% of the transaction, whichever is greater
Cash advance rate19.74% to 26.74% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Penalty APR29.99% variable
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment fee$38
Returned payment fee$27
Additional cardholder fee$0

Among a series of travel cards offered by Bank of America is the Royal Caribbean® Visa Signature® Credit Card, offering rewards toward credits, excursions and more with Royal Caribbean and its sister brands.

It’s smooth sailing at the start, with 10,000 MyCruise points with any purchase made in the first 90 days of account opening. But with 2x points for purchases with Royal Caribbean and 1x points for all other spending, you can find stronger rewards with other travel cards.

The basics

The Royal Caribbean® Visa Signature® Credit Card could work well for you if you’re one of those lucky people who plan to cruise with Royal Caribbean: The easily earned 10,000 MyCruise bonus points equal $100 in onboard credit. On board Royal Caribbean, Celebrity Cruises and Azamara Club, you’ll earn 2x points for qualifying purchases. But everyday spending earns you just 1x points toward future travel.

The no annual fee works in your favor, as does the card’s $0 overseas transaction fee. You’ll also receive a $50 Air2Sea airfare discount if you spend $3,500 on purchases in the first 90 days of account opening.

Our pick for getting to your cruise

Gold Delta SkyMiles® Credit Card from American Express

  • Earn 60,000 bonus miles after you use your new card to make $2,000 in purchases within your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months. Offer expires 10/30/2019.
  • Earn 2 miles on every eligible dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
  • Check your first bag free on Delta flights – that’s a savings of up to $240.
  • Receive Main Cabin 1 Priority Boarding on your Delta flights, stow your carry-on bag and settle in sooner.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms apply.
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The perks

  • Signup bonus.

    Get 10,000 MyCruise points after your first purchase within 90 days of account opening, as well as a $50 Art2Sea discount when you spend $3,500 in the first 90 days — easily earned if you haven’t yet bought tickets for your upcoming cruise. Your points are credited to your account 6 to 8 weeks after you qualify for the card.

  • Points rewards.

    Earn 2x points on qualifying purchases with Royal Caribbean, Celebrity Cruises and Azamara Club. All other purchases fetch you 1x points.

  • Redeem points.

    Redeem points through MyCruise Rewards for cruise vacations, onboard credit, stateroom upgrades, discounted companion fares and more on Royal Caribbean, Celebrity Cruises and Azamara Club.

  • $0 annual fee.

    The Royal Caribbean® Visa Signature® Credit Card comes with no annual fees for life.

  • 0% foreign transaction fees.

    When you use this card outside of the US, you’ll pay no foreign transaction fees.

You’ll also like …

  • Visa Signature benefits.

    Get auto rental collision damage waiver, roadside dispatch, travel and emergency assistance services and round-the-clock access to Visa Signature Concierge.

  • Security and protection.

    The card comes with chip technology for enhanced protection and offers a $0 liability guarantee for fraudulent transactions.

  • Points good for five years.

    You’ll have up to 60 months to use your MyCruise points before they expire, giving you plenty of time to plan your next sea adventure.

What to watch out for

  • Weak rewards program.

    Loyalty benefits are overwhelmingly for one thing: high-end cruises. You’ll find better general travel rewards with other cards.

  • Penalties.

    A late payment can set you back by $38 and accrue a long-time penalty APR of up to 29.99% variable. Returned payments come with penalties of up to $27.

Compare credit cards with cruise benefits

Name Product Welcome offer Rewards Annual fee Filter values
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.
35,000 points after spending $2,000 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
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months. Rates & fees
60,000 points after spending $5,000 in your first 3 months
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees
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.
N/A
1x points on all purchases with 2% point value when you redeem for airfare or cash back
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.

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What to know before you apply

Apply for the Royal Caribbean® Visa Signature® Credit Card if you’re:

  • At least 18 years old.
  • A US citizen or permanent resident.

What credit score do I need?

The chances of your application’s approval increase with an excellent credit score of 670 or higher.Bottom line

How to apply for the card

  1. On the Royal Caribbean® Visa Signature® Credit Card website, click Apply Now.
  2. Provide your personal information and financial details. Click Review your information.
  3. Confirm that your information is correct and submit your application.

How long will it take to be approved?

Bank of America’s online conditional approval system informs you of your application’s status nearly immediately.

I got the card. Now what?

  • Turn to online banking. Use Bank of America’s online banking platform to pay your statement and check your available credit 24/7.
  • Avoid unnecessary interest. Bank of America gives you 25 grace days after each billing cycle to pay for your purchases with no interest
  • Avoid fees. Late and returned payments come with stiff penalties of up to $38. Balance transfers come with fees as well.
  • Customer service. Speak to a customer service representative at 800-732-9194 or get online assistance via Ask Jenn. You can also connect with BofA on Twitter @BofA_Help or Facebook @BankofAmerica.

Bottom line

Getting the Royal Caribbean® Visa Signature® Credit Card makes sense only if you’re the cruising kind and use the services of Royal Caribbean, Celebrity Cruises or Azamara Club. Otherwise, you’ll find better rewards credit cards — overall and brand specific — out there.

Common questions about the Royal Caribbean® Visa Signature® Credit Card

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8 Comments

  1. Default Gravatar
    Diane
    July 24, 2018

    We have reserved a cruise on Royal Caribbean for 2019. We have not made final payment but plan on doing so with the Bank of America/Royal Caribbean Visa card. Do you know if that purchase would be considered a qualified purchase from Royal Caribbean?

    • AvatarStaff
      nikkiangco
      July 24, 2018

      Hi Diane!

      Thanks for getting in touch!

      Yes, when you book a cruise on board Royal Caribbean, Celebrity Cruises, and Azamara Club, you’ll earn 1x points for qualifying purchases.

      Please carefully read the information above that says “THE PERKS”.

      Hope this clarifies!

      Cheers,
      Nikki

  2. Default Gravatar
    John
    May 14, 2018

    If I apply for a card and make my first purchase as soon as i get it will i be able to use the onboard $100 credit when I cruise between 5/20-5/27?

    • AvatarStaff
      Ash
      May 15, 2018

      Hi John,

      Thank you for visiting finder.

      Once you have made your first purchase upon card approval, the 10,000 MyRewards points will be credited to your account in 6-8 weeks. You may then redeem the $100 onboard credit as soon as the 10,000 MyRewards points has credited to your account once you qualify.

      You may not be able to use the $100 onboard credit on your scheduled cruise as it will take at least 6 weeks for the Bonus MyRewards points to reflect on your account.

      I hope this helps.

      Let us know if there is anything else that we may assist you with.

      Cheers,
      Ash

  3. Default Gravatar
    Ron
    March 3, 2018

    What is the minimum purchase to get the $100 shipboard credit and 10,000 points?

    • AvatarStaff
      Ron
      March 29, 2018

      Hello Ron,

      Good day! Appreciate you contacting finder regarding your inquiry today.

      Get 10,000 MyCruise points after your first purchase within 65 days of account opening, as well as a $50 Art2Sea discount when you spend $3,500 in the first 90 days — easily earned if you haven’t yet bought tickets for your upcoming cruise. Your points are credited to your account 6 to 8 weeks after you qualify for the card. Please note that the 10,000 MyCruise points equal $100 in onboard credit.

      Hope this helps!

      All the best,
      Ron

  4. Default Gravatar
    Audrey
    July 29, 2017

    I already have a banking account with Bank of America. How do I get a Royal Caribbean Visa Signature® Card? What is the fee? what are the perks? ie, 10,000 points for enrolling. Does the card have protection, security, fraud, . What about travel insurance- lost baggage?medical protection while travel?

    • AvatarStaff
      Harold
      July 30, 2017

      Hi Audrey,

      Thank you for your inquiry.

      1. To apply for this card you must:
      – At least 18 years old.
      – A resident of the US.

      2. Fees that may apply
      – Annual fee $0
      – Returned Payment Fee $27
      – Late Payment Fee $38

      3. Security and protection. The card comes with chip technology for enhanced protection and offers a $0 liability guarantee for fraudulent transactions.

      4. Signup bonus. Get 10,000 MyCruise points after your first purchase in 65 days of account opening as well as a $50 Art2Sea

      I hope this information has helped.

      Cheers,
      Harold

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