Earn Big Rewards with Celebrity Cruises Visa Signature® Card
Earn rewards with the Celebrity Cruises Visa Signature® Credit Card and enjoy exclusive cruise benefits.
- 30,000 MyCruise® bonus points after spending $1,000 in the first 90 days.
No annual or foreign transaction fees.
Get onboard credits, upgrades, and more. Plus, enjoy fraud protection, flexible redemption, and mobile payment options for secure purchases. Perfect for cruise lovers!
Inside Celebrity Cruises Visa Signature® Credit Card
Get $300 in Onboard Credit with the Celebrity Cruises Visa Signature® Card
If you’re passionate about cruising, the Celebrity Cruises Visa Signature® Credit Card can significantly enhance your travel experience. With a unique set of benefits aimed at cruise lovers, this card allows you to earn MyCruise® points for every dollar spent, access exclusive onboard credit rewards, and enjoy perks like no foreign transaction fees and no annual fee. Whether cruising with Celebrity Cruises®, Royal Caribbean®, or Silversea®, this credit card is designed to make your cruises even more rewarding.
This guide covers everything you need to know about the Celebrity Cruises Visa Signature Credit Card, including its benefits, maximizing rewards, and a comparison to other travel cards. Let’s dive in!
What is the Celebrity Cruises Visa Signature® Credit Card?
The Celebrity Cruises Visa Signature® Credit Card is a specialized cruise rewards card offered by Bank of America®. With this card, you can earn MyCruise® points for every eligible purchase. The points can be redeemed for onboard credit, cruise upgrades, vacation discounts, and more. This card is ideal for cruise lovers who want to enhance their cruising experience without the burden of extra fees.
Card Highlights
- Earn 2 MyCruise® points per $1 spent on Celebrity Cruises®, Royal Caribbean®, and Silversea® purchases.
- Earn 1 MyCruise® point per $1 on all other purchases.
- 30,000 MyCruise® bonus points after spending $1,000 in the first 90 days (worth $300 in onboard credit).
- There are no annual fees and no foreign transaction fees.
- Use MyCruise® points for cruise upgrades, onboard credit, specialty dining, shore excursions, and more.
- Introductory APR on purchases for new cardholders.
- Visa Signature® card offers fraud protection with a $0 liability guarantee.
- Compatible with Apple Pay®, Google Pay™, and Samsung Pay for secure payments.
- Balance Connect® available for overdraft protection when linked with an eligible Bank of America® checking account.
- Enjoy flexible points redemption for vacation rewards and cruise discounts.
- Contactless payment technology for quick and secure transactions.
- Access your FICO® Score monthly through Bank of America® mobile or online banking.
Rates and Fees of Celebrity Cruises Visa Signature® Credit Card
- Introductory APR: None for purchases in the first 12 months.
- Standard APR: 18.24% – 28.24% (variable) based on creditworthiness.
- Annual Fee: $0, a no-annual-fee credit card.
- Balance Transfer Fee: 4% of each transaction.
- Cash Advance Fee: 5% of the transaction amount or $10, whichever is greater.
- Foreign Transaction Fee: None, perfect for international travelers.
- Late Payment Fee: Up to $40 if payment is missed.
- Returned Payment Fee: Up to $40 if a payment is returned.
- Overlimit Fee: None, no charge for exceeding your credit limit.
- Credit Card APR: Standard APR applies to purchases and balance transfers after the introductory period.
- Cash Advance APR: 28.24%, subject to variable rates.
- Penalty APR: 29.99% for missed payments, depending on credit terms.
- Payment Allocation: Payments are applied to lower-interest balances first, with additional payments going to higher-interest balances.
- Balance Transfer Terms: Transfer fees and APR for transferred balances may differ.
Key Features of the Celebrity Cruises Visa Signature® Credit Card
- Earn points on cruises and everyday purchases: Earn 2 MyCruise® points per $1 spent on Celebrity Cruises®, Royal Caribbean®, and Silversea® purchases. For all other purchases, you earn 1 MyCruise® point per $1.
- Exclusive bonus points: As part of its introductory offer, you can earn 30,000 bonus MyCruise® points worth $300 in onboard credit after spending at least $1,000 in the first 90 days.
- No annual fee: This credit card has no annual fee, making it an excellent choice for frequent cruisers looking to avoid recurring charges.
- No foreign transaction fees: If you travel internationally, you won’t pay extra fees for foreign transactions. This is a key feature for those using the card abroad.
- Introductory APR offer: The introductory APR allows new cardholders to save on interest on their first purchases.
How to Earn MyCruise® Points?
- 2 MyCruise® Points Per $1 on Eligible Cruise Purchases: The card allows you to earn 2 MyCruise® points per $1 spent on qualifying purchases with Celebrity Cruises®, Royal Caribbean®, and Silversea®. This includes booking cruise fares, shore excursions, and dining onboard. Whether booking your next cruise or indulging in luxury onboard services, your points add up quickly.
- 1 MyCruise® Point Per $1 on Other Purchases: For all other purchases—groceries, gas, or travel expenses—you’ll earn 1 MyCruise® point per $1. These points may seem lower, but they accumulate over time and can help you earn free onboard credits and cruise discounts.
Maximizing Your MyCruise® Points
To maximize your MyCruise® points, consider making most of your travel and cruise-related purchases using this card. When booking cruises with Celebrity Cruises® or any of its sister brands (Royal Caribbean®, Silversea®), you’ll earn double the points, one step closer to free cruise upgrades and vacation discounts.
How to Redeem MyCruise® Points?
The MyCruise® points you accumulate with the Celebrity Cruises Visa Signature® Credit Card are highly versatile and can be redeemed for various rewards to enhance your cruise experience. Here’s how you can use them:
- Onboard Credit: One of the best ways to use your MyCruise® points is to redeem them for onboard credit. This credit can be used for almost anything onboard the cruise, including:
- Spa treatments: Enjoy a relaxing massage or facial at the spa using your points.
- Specialty restaurants: Savor gourmet meals at Celebrity Cruises®’ exclusive specialty dining venues.
- Shore excursions: Book excursions at your cruise destination and enhance your vacation experience.
- Shopping: Use onboard credit to shop for souvenirs or cruise essentials.
- Cruise Upgrades: You can use your MyCruise® points to upgrade your cabin for a more luxurious experience. Whether you upgrade to a balcony room or select a suite, your points redemption helps elevate your cruise.
- Vacation Discounts: Once you’ve accumulated a sufficient number of MyCruise® points, you can redeem them for vacation discounts on future cruises. This is a fantastic way to reduce the cost of your next sailing.
Security and Protection Features
The Celebrity Cruises Visa Signature® Credit Card offers robust fraud protection and other security features to ensure peace of mind. Here are some of the standout features:
- Fraud Protection and $0 Liability Guarantee: If fraudulent transactions are made on your account, you’re protected with a $0 liability guarantee. The card issuer will cover unauthorized transactions if you report them promptly. This provides cardholders with added security when traveling and shopping.
- Contactless Payments: With Visa Signature® contactless chip technology, you can make quick and secure payments by tapping your card at compatible payment terminals. This is convenient and offers enhanced security compared to traditional magnetic stripe cards.
- Digital Wallet Compatibility: The Celebrity Cruises Visa Signature® Credit Card is compatible with Apple Pay®, Google Pay™, and Samsung Pay. This allows you to store your card in a digital wallet for easy, on-the-go payments with added security.
- Balance Connect® for Overdraft Protection: If you have an eligible Bank of America® checking account, you can link it to your Celebrity Cruises Visa Signature® Credit Card for overdraft protection. This feature ensures you won’t face declined purchases or returned checks due to insufficient funds, though other fees may apply.
Why Choose the Celebrity Cruises Visa Signature® Credit Card?
The Celebrity Cruises Visa Signature® Credit Card is ideal for anyone who enjoys cruising with Celebrity Cruises®, Royal Caribbean®, or Silversea®. Here’s why it could be the perfect fit:
- Maximize Your Rewards: Earning 2 MyCruise® points per $1 on cruise-related purchases ensures cruise lovers can maximize their rewards. Additionally, with no foreign transaction fees, it’s perfect for international travelers.
- No Annual Fee and Introductory APR: With no annual fee and a generous introductory APR offer, the card offers excellent value to new cardholders, especially those looking to avoid high interest rates for their initial purchases.
- Flexibility in Points Redemption: Whether you’re looking to use your points for vacation discounts, spa credits, cruise upgrades, or onboard credit, the Celebrity Cruises Visa Signature® Credit Card gives you plenty of ways to redeem your points, making it a versatile rewards card.
Celebrity Cruises Visa Signature® Card With Other Mastercards®
When choosing the best travel rewards credit card, comparing options based on rewards rates, bonus offers, annual fees, and redemption flexibility is essential. Below is a comparison of four popular travel cards: the Celebrity Cruises Visa Signature® Credit Card, Norwegian Cruise Line® World Mastercard®, Air France KLM World Elite Mastercard®, and Free Spirit® Travel More World Elite Mastercard®. This analysis will help you determine which card aligns with your travel preferences and spending habits.
Celebrity Cruises Visa Signature® Card vs Mastercards® of Norwegian Cruise Line® World, Air France KLM World Elite, and Free Spirit® Travel More World Elite
| Feature | Celebrity Cruises Visa Signature® Credit Card | Norwegian Cruise Line® World Mastercard® | Air France KLM World Elite Mastercard® | Free Spirit® Travel More World Elite Mastercard® |
|---|---|---|---|---|
| Bonus Offer | 30,000 MyCruise® points ($300 onboard credit) | 20,000 WorldPoints® (up to $200) | 50,000 Miles (after $2,000 spend) | 50,000 Bonus Points + $100 Companion Flight Voucher |
| Rewards Rate | 2 MyCruise® points per $1 (Celebrity/Royal Caribbean/Silversea) | 3 WorldPoints® per $1 on Norwegian purchases, 1 point on other purchases | 3 Miles per $1 on Air France/KLM purchases | 3 points per $1 on Spirit purchases, 1 point on other |
| Annual Fee | $0 | $0 | $89 (after first year) | $0 first year, then $79 |
| Foreign Transaction Fees | None | None | None | None |
| Sign-Up Bonus | 30,000 MyCruise® points ($300 onboard credit) | 20,000 WorldPoints® (up to $200) | 50,000 Miles after $2,000 in purchases | 50,000 Points + $100 Flight Voucher |
| Point Redemption | Cruise upgrades, onboard credit, vacations | Cash, gift cards, hotel stays, car rentals | Air France/KLM flights, upgrades | Spirit flights, merchandise, gift cards |
| Additional Perks | No annual fee, travel perks with Visa Signature® | Bank of America Preferred Rewards bonuses | 60 XP for status, travel perks | Companion flight voucher on annual spend |
Comparison Analysis
- Rewards Program: The Celebrity Cruises Visa Signature® Credit Card shines for cruise lovers, offering 2 MyCruise® points per $1 spent on Celebrity Cruises and its sister brands. This is ideal for frequent cruisers who want cruise upgrades or onboard credit rewards. The Norwegian Cruise Line® World Mastercard® provides solid rewards for Norwegian cruise passengers with 3 points per $1 on cruise purchases. If you’re more focused on flights, the Air France KLM World Elite Mastercard® offers 3 Miles per $1 on Air France and KLM purchases.
- Bonus Offers: The Air France KLM World Elite Mastercard® offers the highest initial bonus at 50,000 Miles, which is valuable for frequent flyers. The Celebrity Cruises Visa Signature® and Free Spirit® Travel More both provide competitive offers with added perks like onboard credits or companion vouchers.
- Fees: The Celebrity Cruises Visa Signature® Credit Card stands out with no annual or foreign transaction fees, making it a cost-effective option for international travelers. The Norwegian Cruise Line® World Mastercard® also has no annual fee, while the Air France KLM card charges a low $89 annual fee after the first year. The Free Spirit® Travel More card offers a $0 annual fee for the first year, followed by $79.
The Celebrity Cruises Visa Signature® Credit Card is a solid choice for cruise lovers and frequent travelers. It earns cruise rewards and onboard credit, and there’s no annual fee, which adds great value. If you prefer airline travel, the Air France KLM World Elite Mastercard® offers a big sign-up bonus and flight miles. It’s a great fit for earning rewards on SkyTeam partner flights. For fans of Norwegian Cruise Line, their co-branded World Mastercard® earns points on everyday spending and cruise perks. It also gives access to exclusive cruise discounts and onboard benefits. The Free Spirit® Travel More Card works best for travelers who often fly with Spirit Airlines. It comes with helpful perks like free checked bags, priority boarding, and valuable flight rewards.
Why You Might Think About a Different Credit Card Than the Celebrity Cruises Visa Signature® Credit Card?
The Celebrity Cruises Visa Signature® Credit Card offers great perks for cruise lovers, but it might not be the best choice for everyone. While it provides excellent cruise rewards, including onboard credit and bonus MyCruise® points, there are a few reasons why you might consider other options.
Limited Use for Non-Cruise Purchases
One potential downside of the Celebrity Cruises Visa Signature® Credit Card is its rewards structure, which is heavily tailored to cruise-related purchases. You earn 2 MyCruise points per $1 on qualifying purchases with Celebrity Cruises®, Royal Caribbean®, and Silversea®. However, you only earn 1 point per $1 for all other purchases. This makes it less attractive for everyday spending compared to other travel or cashback credit cards with higher earning rates on a broader range of purchases.
Foreign Transaction Fees on Non-Cruise Purchases
Even though the Celebrity Cruises Visa Signature® Credit Card has no foreign transaction fees, this benefit applies only to cruise-related transactions. If you often travel internationally for other reasons, other cards might offer better rewards and more global versatility.
Alternatives to Consider
If you’re looking for a more versatile credit card or one that offers better rewards across different categories, here are a few great options:
| Credit Card | Annual Fee | Sign-Up Bonus | Rewards Rate | Redemption Options |
|---|---|---|---|---|
| Celebrity Cruises Visa Signature® | $69 | 10,000 pts after first purchase; $300 discount after $5,000 spend | 2 pts/$1 on Celebrity, Royal Caribbean, Azamara; 1 pt/$1 on others | Cruise discounts, onboard credits, upgrades, more |
| Chase Sapphire Preferred® | $95 | 75,000 pts after $4,000 spend in 3 months | 2 pts/$1 on travel & dining; 1 pt/$1 on others | Transfer to partners or 25% more via Chase Travel |
| Capital One Venture X | $395 | 75,000 miles after $4,000 spend in 3 months | 2 miles/$1 on all; 5–10 miles on Capital One Travel | Travel credits or transfer to travel partners |
| Carnival World Mastercard® | $0 | 25,000 FunPoints after $500 spend in 90 days | 2 pts/$1 on Carnival; 1 pt/$1 on others | Carnival cruise credits and discounts |
| Royal Caribbean Visa Signature® | $0 | 25,000 MyCruise pts after $1,000 spend in 90 days | 2 pts/$1 on Royal, Celebrity, Silversea; 1 pt/$1 on others | Cruise perks, discounts, onboard credits |
| Holland America Visa Card | $0 | 10,000 pts after first purchase | 3 pts/$1 on Holland America; 1 pt/$1 on others | Holland cruise credits, discounts, amenities |
| Capital One VentureOne Rewards | $0 | 20,000 miles after $1,000 spend in 3 months | 1.25 miles/$1 on all purchases | Statement credits or transfer to travel partners |
1. Chase Sapphire Preferred® Card vs Celebrity Cruises Visa Signature®
Why Chase Sapphire Preferred® Card is Better: Offers a 75,000-point bonus (vs 10,000 + $300 cruise discount) and 2X rewards on all travel and dining, not limited to one brand.
Points transfer 1:1 to top airlines and hotels and give 25% more value via Chase Ultimate Rewards, unlike Celebrity’s limited cruise-only redemptions.
Includes trip protections, no foreign fees, and broader travel utility.
2. Capital One Venture X Rewards Card vs Celebrity Cruises Visa Signature®
Why Capital One Venture X Rewards Card is Better: Gives a 75,000-mile bonus and 5–10X on travel bookings, compared to 2X on cruise-only purchases with Celebrity.
Annual $300 travel credit and airport lounge access make this card premium-packed.
Rewards are flexible and transferable to 15+ partners, offering global redemption—not limited to cruises.
3. Carnival World Mastercard® vs Celebrity Cruises Visa Signature®
Why It’s Better: Offers a higher 25,000-point bonus after just $500 spend (vs $5,000 for Celebrity’s full offer).
No annual fee, with 2X points on Carnival and 0% intro APR for cruise purchases.
Includes 10% back on shore excursions, which Celebrity card lacks.
4. Royal Caribbean® Visa Signature vs Celebrity Cruises Visa Signature®
Why Royal Caribbean® Visa Signature is Better: Same rewards structure, but sign-up bonus is higher at 25,000 points vs 10,000 + $300 after high spend.
No annual fee and includes a $50 Air2Sea discount after lower spend threshold.
Better for broader cruise travelers with access to Royal Caribbean and Silversea perks.
5. Holland America Line Rewards Visa Card vs Celebrity Cruises Visa Signature®
Why It’s Better: Offers 3X points on Holland America purchases, higher than Celebrity’s 2X on cruises.
No annual fee and points redeemable for more than just cruises—including airfare, merchandise, and gift cards.
Comes with Visa Signature travel protections which the Celebrity card doesn’t highlight.
6. Capital One VentureOne Rewards vs Celebrity Cruises Visa Signature®
Why Capital One® VentureOne® Rewards is Better: No annual fee, with 1.25X on all purchases—more versatile than 1X on general spending with Celebrity.
20,000 bonus miles for only $1,000 spend and rewards redeemable for any travel expense or transferrable to airline partners.
Simpler, flexible, and travel-agnostic, appealing to users outside cruise ecosystems.
While the Celebrity Cruises Visa Signature® works well for loyal Celebrity guests, it falls short in versatility, value, and bonus potential. Other cards provide higher sign-up bonuses, broader earning categories, superior redemption flexibility, and added travel protections—making them better overall for most travelers.
How to Apply for the Celebrity Cruises Visa Signature® Credit Card
Applying for the Celebrity Cruises Visa Signature® Credit Card is a quick and simple online process. Here’s how:
Visit the Bank of America Celebrity Cruises Visa Signature® Credit Card and click on Apply Now button.
Enter your personal details including name, address, employment info, income, and Social Security number.
Double-check all entries, agree to the card terms and conditions, then click to submit your application.
Many applicants get an instant decision. In some cases, additional review may take a few business days.
💡 You can also apply by calling 800.932.2775 and mentioning the priority code: XAAA9V.
Recommended Credit Score for Approval
To qualify for the Celebrity Cruises Visa Signature® Card, a credit score of at least 670 is typically recommended. This falls into the “Good to Excellent” credit range based on standard FICO® scoring. A higher score increases your chances, but income, credit utilization, and payment history also influence approval.
Bank of America considers overall creditworthiness, not just the score, during the application review.
Frequently Asked Questions (FAQs)
What is the bonus offer for the Celebrity Cruises Visa Signature® Credit Card?
New cardholders can earn 30,000 MyCruise® bonus points after spending at least $1,000 within the first 90 days. This is worth $300 in onboard credit.
Are there any foreign transaction fees with the Celebrity Cruises Visa Signature® Credit Card?
The Celebrity Cruises Visa Signature® Credit Card has no foreign transaction fees, making it ideal for international travel.
How do I earn MyCruise® points?
You earn 2 MyCruise® points per $1 spent on qualifying purchases with Celebrity Cruises®, Royal Caribbean®, and Silversea®. For all other purchases, you earn 1 MyCruise® point per $1.
Can I redeem MyCruise® points for things other than cruises?
Yes, MyCruise® points can be redeemed for spa treatments, specialty dining, shore excursions, and shopping onboard.
Is there an annual fee for the Celebrity Cruises Visa Signature® Credit Card?
No, there is no annual fee for the Celebrity Cruises Visa Signature® Credit Card.
Final Thoughts
The Celebrity Cruises Visa Signature® Credit Card is fantastic for cruise enthusiasts. Still, if you’re looking for more flexible rewards on general purchases or international travel, cards like the Chase Sapphire Preferred® Card or the Capital One VentureOne® Rewards Card and other might be a better fit.
Specification: Earn Big Rewards with Celebrity Cruises Visa Signature® Card
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