Royal Caribbean® Visa Signature® Card Review: 5 Big Benefits!

Royal Caribbean® Visa Signature® Credit Card – Earn Rewards & Enjoy Exclusive Benefits

If you’re someone who loves cruising with Royal Caribbean®, Celebrity Cruises®, or Silver sea®, the Royal Caribbean® Visa Signature® Credit Card might be the perfect tool to boost your cruise experience. This credit card allows you to earn MyCruise® points with every purchase and offers fantastic perks like a no-annual-fee structure, no foreign transaction fees, and a substantial signup bonus. In this detailed review, we’ll break down the key features of the Royal Caribbean® Visa Signature® Credit Card, including how to earn and redeem MyCruise® points, the card’s security features, interest rates, and fees. We’ll also compare it to other credit card options for cruise lovers so you can decide if it fits your travel and cruising needs.

The Royal Caribbean® Visa Signature® Credit Card

For those who frequently cruise with Royal Caribbean® or its sister companies like Celebrity Cruises® and Silversea®, the Royal Caribbean® Visa Signature® Credit Card presents an exciting opportunity to earn valuable rewards for every purchase. Where Alaska Airlines Visa® Signature Card offers 60,000 miles, this credit card is designed to help you get more out of your cruises, whether by earning MyCruise® points for onboard credits or using the rewards for cruise upgrades, dining, or excursions. This is the ideal credit card for those who want to maximize their cruise vacation by accumulating cruise rewards with each dollar spent.

In this article, we’ll provide an in-depth review of the Royal Caribbean® Visa Signature® Credit Card, covering its features, rewards, security options, and more.

Card highlights

• Earn 2 MyCruise® points per $1 on purchases with Royal Caribbean®, Celebrity Cruises®, or Silversea®.
• Earn 1 MyCruise® point per $1 on all other purchases.
• Get 30,000 MyCruise® bonus points (worth $300) after spending $1,000 in the first 90 days.
• There is no annual fee to enjoy rewards without extra costs.
• There are no foreign transaction fees, which is ideal for international travel and cruise bookings.
• Redeem points for cruise upgrades, onboard credit, specialty restaurants, and shore excursions.
• $50 Air2Sea discount after spending $3,500 in the first 90 days.
• Flexible rewards program with no blackout dates for redemption.
• Earn rewards for every dollar spent, whether on cruises or other purchases.
• Access to exclusive cruise perks like discounts and onboard credits.
• Strong security features, including fraud protection and contactless chip technology.
• Available for use with digital wallets like Apple Pay®, Google Pay™, and Samsung Pay.
• Access to mobile banking and paperless statements for convenience.
• $0 Liability Guarantee for fraudulent transactions, ensuring your protection.
• Competitive APR starting from 18.24% based on your creditworthiness.
• Flexible payment options with mobile alerts and overdraft protection.

This card offers excellent value for cruise lovers who want to maximize their rewards and enjoy exclusive travel benefits.

Rates and fees of Royal Caribbean® Visa Signature® Credit Card

• Annual Fee: $0. Enjoy the benefits without any yearly charge.
• Foreign Transaction Fees: None. Perfect for international travel and cruise bookings.
• Balance Transfer Fee: 4% of each transfer amount. Keep this in mind if transferring balances.
• Cash Advance Fee: 5% of the cash advance amount (minimum $10). Be mindful of cash advance costs.
• Introductory APR: None. No introductory APR offer is available for this card.
• Standard APR: 18.24% – 28.24% variable. Your APR will depend on your creditworthiness.
• Penalty APR: Up to 29.99% variable. Applied if you make a late payment or exceed your credit limit.
• Late Payment Fee: Up to $40. Avoid this Fee by making timely payments.
• Returned Payment Fee: Up to $40. Make sure your payment clears to avoid this Fee.
• Overdraft Protection Transfers: No transfer fee when linked with a Bank of America® checking account.
• Minimum Interest Charge: $1.50. If you carry a balance, this minimum charge will apply.

See Full Rates and Fee

The Royal Caribbean® Visa Signature® Credit Card offers value with no annual or foreign transaction fees. However, balance transfers, cash advances, and late payments have fees, so careful payment management is essential. The standard APR is competitive, but late payment or credit limit penalties can be costly. Also, consider earning free nights with the Chase Marriott Bonvoy Boundless® Card for added travel perks.

Key Features of the Royal Caribbean® Visa Signature® Credit Card

1. Reward Points: Earning MyCruise® Points

The cornerstone of the Royal Caribbean® Visa Signature® Credit Card is its rewards program. Here’s how you can earn MyCruise® points:

• 2 MyCruise® points per $1 spent on purchases with Royal Caribbean®, Celebrity Cruises®, or Silversea®.
• 1 MyCruise® point per $1 spent on all other purchases.

These points accumulate quickly, especially if you’re booking cruises or purchasing other products related to the cruise industry. The beauty of these points is their flexibility: you can redeem them for onboard credits, cruise upgrades, specialty restaurants, and shore excursions.

For instance, if you book a cruise with Royal Caribbean®, you earn more points than for other types of purchases. These points can then be redeemed for onboard experiences such as dining at specialty restaurants, booking shore excursions, or even using them at the spa.

This structure makes the card ideal for cruise lovers, rewarding you with cruise-related purchases and general spending.

2. Signup Bonus: 30,000 MyCruise® Points

The Royal Caribbean® Visa Signature® Credit Card comes with an incredible signup bonus. When you make at least $1,000 in purchases within the first 90 days of account opening, you’ll earn 30,000 MyCruise® bonus points, equivalent to $300 in onboard credit. This bonus alone is enough to significantly reduce your expenses on a cruise, whether you’re using it for onboard dining, specialty restaurants, or any other cruise perks.

To maximize this offer, complete the $1,000 minimum spend within the first 90 days to unlock 30,000 MyCruise® bonus points. Whether you’re a seasoned cruiser or a first-timer, this bonus is a great way to start your journey. Plus, you can earn 60,000 bonus points with Hyatt Business Card. Use these points for free hotel stays and upgrades, making your travels even more rewarding. Pairing both cards can help you save on accommodations and enjoy more perks on your trips.

3. No Annual Fee and No Foreign Transaction Fees

One of the standout benefits of the Royal Caribbean® Visa Signature® Credit Card is that it comes with no annual fee. Many travel cards charge an annual fee that can diminish the value of your rewards, but with this card, you can earn Royal Caribbean rewards without any extra cost.

Additionally, the card offers no foreign transaction fees, which makes it the perfect companion for international cruisers. If you book cruises or make purchases in other countries, you won’t be hit with extra charges, which is a significant advantage for frequent travelers.

4. $50 Air2Sea Discount

In addition to earning points on everyday purchases, you can earn a $50 discount on Royal Caribbean®’s Air2Sea program. To qualify for this discount, make at least $3,500 in purchases within the first 90 days of account opening. This discount can help lower your airfare costs for your next cruise, further enhancing the value of this credit card.

The Royal Caribbean® Visa Signature® Credit Card is more than just a standard cruise rewards card; it offers genuine travel perks and airfare discounts for cruises, making it a valuable asset for any cruiser.

5. How to Redeem MyCruise® Points?

One of the most appealing features of the Royal Caribbean® Visa Signature® Credit Card is its flexibility in redeeming MyCruise® points. Here are some options for how you can use your points:

• Cruise upgrades: Use your points to enhance your cruise experience by upgrading your cabin or securing a better stateroom.
• Onboard credits: Redeem your points for onboard credits to spend on various activities, such as shopping, dining, specialty restaurants, spa treatments, and more.
• Shore excursions: Your MyCruise® points can be redeemed for shore excursions at various destinations.
• Cruise discounts: Use your points to get discounts on future cruise bookings, ensuring your next vacation is as affordable as possible.

You can enjoy ultimate flexibility with no blackout dates for redeeming MyCruise® points. This flexibility is one of the reasons why this card stands out among other cruise rewards credit cards.

6. Security and Technology Features

When it comes to credit cards, security is crucial. Fortunately, the Royal Caribbean® Visa Signature® Credit Card comes with several security features designed to protect your purchases and personal information:

• Fraud protection: The card uses advanced technology to block any suspicious activity on your account. If there’s any unusual transaction, you’ll be notified immediately.
• $0 Liability Guarantee: You are not responsible for any unauthorized charges made to your card. This means you won’t lose money if someone uses your card fraudulently.
• Contactless payment: The card features Contactless Chip Technology, which allows you to tap your card to pay at millions of locations worldwide.
• Digital Wallet Technology: Add your card to your mobile wallet (such as Apple Pay®, Google Pay™, or Samsung Pay) to make secure and quick in-store and online purchases.

With these robust security features, the Royal Caribbean® Visa Signature® Credit Card ensures that your data and transactions are always protected.

7. Interest Rates, Fees, and Other Charges

Like any credit card, it’s essential to understand the associated fees and interest rates to avoid unexpected costs.

Here’s a breakdown of the fees for the Royal Caribbean® Visa Signature® Credit Card:

• Introductory APR: None.
• Standard APR: 18.24% – 28.24% variable, based on your creditworthiness.
• Balance Transfer Fee: 4% of each transfer.
• Cash Advance Fee: Standard fees apply for cash advances, including interest.
• Foreign Transaction Fees: None (perfect for international travelers).

These fees are competitive for a travel rewards card, and with no foreign transaction fees, this card is ideal for international cruises.

Royal Caribbean® Visa Signature® Credit Card vs. Other Cruise Credit Cards

When choosing the proper travel or cruise rewards credit card, it’s essential to compare features such as bonus points, rewards on spending, fees, and benefits. Below is a comparison of the Royal Caribbean® Visa Signature® Credit Card, Celebrity Cruises Visa Signature® Credit Card, and Bank of America® Premium Rewards® Credit Card to help you make an informed decision.

Comparison of Royal Caribbean® Visa Signature® vs. Carnival® MasterCard® vs. Norwegian® Cruise Line Card®

Comparison Analysis

1. Signup Bonus: Bank of America® Premium Rewards® offers a higher bonus of 60,000 points ($600 value) compared to the 30,000 MyCruise® points ($300 value) for both Royal Caribbean® and Celebrity Cruises® cards.
2. Rewards for Travel Purchases: Royal Caribbean® and Celebrity Cruises® cards provide 2 points for every $1 spent on cruise-related purchases. In comparison, Bank of America® Premium Rewards® offers 2 points per $1 on travel and dining, making it a better option for broader travel spending.
3. Annual Fee: The Royal Caribbean® and Celebrity Cruises® cards have no annual fee, whereas the Bank of America® Premium Rewards® card charges a $95 annual fee.
4. Additional Perks: Bank of America® Premium Rewards® offers superior travel benefits, such as travel credits and premium protections, making it ideal for frequent travelers.

Which Card is Worth Buying?

1. If you are a loyal Royal Caribbean® or Celebrity Cruises® customer, the Royal Caribbean® Visa Signature® or Celebrity Cruises Visa Signature® Credit Card would be best, offering cruise-focused rewards and no annual fee.
2. For those who want more flexibility in travel rewards and additional perks like airport credits and purchase protections, the Bank of America® Premium Rewards® Credit Card offers better overall value.

Why You Might Choose Another Card Than the Royal Caribbean® Visa Signature® Credit Card ?

1. Limited to Cruise Purchases: The Royal Caribbean® Visa Signature® Credit Card provides 2 points per $1 spent on Royal Caribbean® and related cruise purchases but only 1 point per $1 on other purchases. If you’re not a frequent cruiser, you might find that the rewards don’t add up as quickly compared to a card that offers higher points for general travel or everyday purchases.

2. Lack of Flexibility: If you travel or shop outside the Royal Caribbean® family of brands, the points you earn with this card may not be as valuable. Other cards may offer more versatile rewards that can be redeemed for cash back, travel expenses, or even gift cards, giving you greater flexibility.

3. High APR and Fees: While the Royal Caribbean® Visa Signature® Credit Card does not have an annual fee, it does come with high standard APR rates and balance transfer fees, which could make it expensive to carry a balance over time.

4. Better Travel Perks Elsewhere: Other travel-focused credit cards offer a broader range of travel benefits, including airport lounge access, travel credits, and purchase protection.

Top Alternatives to the Royal Caribbean® Visa Signature® Credit Card

1. Chase Sapphire Preferred® Card: The Chase Sapphire Preferred® Card offers 2 points per $1 on travel and dining, plus a generous 60,000-point signup bonus worth $750 in travel when redeemed through Chase Ultimate Rewards®.

2. Capital One Venture Rewards Credit Card: With 2 miles per $1 spent on every purchase, the Capital One Venture Rewards Credit Card provides a simple and flexible rewards program for frequent travelers. It also offers a 60,000-mile signup bonus.

In conclusion, while the Royal Caribbean® Visa Signature® Credit Card is an excellent choice for cruise enthusiasts, other credit cards offer more flexible rewards, better travel perks, and lower APRs.

How to Apply for the the Royal Caribbean® Visa Signature® Credit Card

Applying for the Royal Caribbean® Visa Signature® Credit Card is simple. Click here to start. Enter your personal and financial details, including income and Social Security number. Bank of America will review your application based on credit history. If approved, enjoy exclusive Royal Caribbean rewards and earn points on cruise purchases. Read the terms before applying. Submit your application today and start earning rewards for your next trip!

Frequently Asked Questions (FAQs)

Conclusion: Is the Royal Caribbean® Visa Signature® Credit Card Worth It?

The Royal Caribbean® Visa Signature® Credit Card is undoubtedly a fantastic option for those who love cruising with Royal Caribbean®, Celebrity Cruises®, and Silversea®. This card provides excellent value for cruise enthusiasts, with no annual or foreign transaction fees and a significant signup bonus.

Not only does it allow you to earn MyCruise® points on cruise-related purchases, but it also offers the flexibility to redeem these points for various cruise perks. The added benefits of airfare discounts, security features, and no foreign transaction fees make this card a must-have for frequent travelers.