The Royal Caribbean Visa Signature credit card from Bank of America has an introductory offer of: 10,000 MyCruise bonus points. The value of these 10k points will be worth about $100. Even though this isn’t the best welcome bonus there is to offer, there are certain qualifications you’d have to gain beforehand.
This Royal Caribbean credit card will be a great match for you if you travel with Royal Caribbean or any of its sister brands such as: Celebrite Cruises (card review here) or Azamara Club Cruises.
However, this specific cruise branded credit card won’t give you much value for daily usage. Also, it won’t give you any loyalty perks. So if you want a rewards card that will give you more benefits, then you should look into a non-branded travel credit card elsewhere.
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Royal Caribbean Visa Card Quick Facts
|Bonus Available||Receive 10,000 bonus points once you charge your card for the first time in 90 days of opening your account.|
|Travel Credit||Gain a one-time $50 Air2Sea airfare discount after you spend a minimum of $3,500 in the first 90 days of opening your account.|
|Ongoing Rewards/Benefits||Get 2 points for each $1 used for eligible expenses with Royal Caribbean, Celebrity Cruises and Azamara Club Cruises.
Earn 1 point for each $1 used towards other qualifying expenses.
|Foreign Transaction Fees?||No|
*Royal Caribbean is issued by BoA. See our list of BoA bonuses for Checking & Savings accounts.*
- No annual fee
- Bonus points
- Airfare credit
- No foreign transaction fee
- Good-Excellent credit needed to qualify
- Limited redemption options
Editor’s Alternate Pick
The Chase Freedom Unlimited® Card offers a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases.
There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open.
This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM.
Royal Caribbean Card 10,000 Bonus Points Offer
Make use of the Royal Caribbean credit card’s offer of: 10,000 MyCruise bonus points. The value of these points will be worth about $100.
You must charge your card for the first time in 90 days of having your account open to be able to qualify for this card offer. There won’t be a certain amount you have to build up to stress over.
What are MyCruises Points Worth?
Compared to other point based credit cards, depending on how you decide to use your points will reflect their value. Every MyCruise point will be worth about $0.01. This will be equivalent to the industrial average across other credit cards.
If you’re ready to redeem your points, you will be presented with a couple choices such as:
- Stateroom upgrades
- Cruise discounts
- Cruise vacations
- Onboard credits or amenities
- Companion fares
- Charitable donations
The values for each point will stay the same for all of the redemption choices. In other words, it won’t matter how you choose to cash in your rewards, you will still be able to receive the best value for them in the end.
Royal Caribbean Credit Card Top Features
Receive $50 off an airline ticket bought from the Royal Caribbean Air2Sea program. You have to charge your card with a minimum of $3,500 in the first 90 days of having your account open to be able to qualify for this perk.
Here are some ideas on meeting the spending requirement:
|• Plastiq: Plastiq allows you to pay for expenses that you generally won’t be able to with your card like rent, tuition, auto lease, mortgage payment, and more. There’s a 2.5% processing fee for using your credit card. However, this’ll be worth the card bonus you’ll get. There’s also a referral program where you can earn “Fee-Free Dollars” to use towards processing fees. See our Plastiq review.|
|• Fund Checking accounts with your card: Many banks will allow you to fund the opening deposit with a credit card. Consider opening Checking accounts that also offer a sign-up bonus. This way, you can work towards bonuses from two different sources. Big banks like Chase, HSBC, Huntington, and TD Bank have great offers and allow credit card funding. You can generally fund anywhere from $50 to $1,000 towards the opening deposit with a credit card, depending on the bank.|
|• Buy gift cards: Consider buying gift cards with your credit card that you can then spend later at your leisure. Individual merchant cards (restaurants, gas stations, supermarkets, etc.) generally don’t have purchase fees, so this is a plus. On the other hand, American Express and Visa gift cards will have purchase fees. Amazon gift cards are a great idea as you can shop for almost anything there with no purchase fees either. Unfortunately, Citi credit cards tend to code gift card purchases as Cash Advances and there’ll be a fee. Call in to customer service and lower your Cash Advance limit to $0 before purchasing gift cards. You can also buy discounted gift cards as well from Raise or find gift cards on eBay.|
|• Everyday spending & bills: Always using your credit card for everyday spending, such as for dining, gas, groceries, etc. You can also use your credit card to pay for things like insurance bills, property taxes and income taxes. However, you’ll have to consider the convenience fees.|
Buy things overseas without stressing over any foreign transaction fees with the Royal Caribbean credit card.
Other than the welcome bonus offer this Royal Caribbean credit card won’t give you any memorable bells or whistles. There is more value for this card if you are a frequent cruiser. However, many people will benefit more from a general cash back or travel rewards credit card offer.
(Visit Royal Caribbean for more information)
What’s the Competition?
There are some of Royal Caribbean Visa Signature credit card’s top competitors listed below.
The Chase Freedom® Card offers a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
You'll earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and an unlimited 1% cash back on all other purchases. You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
This card has no annual fee and you'll get a free credit score that's updated weekly with Credit JourneySM.
The Capital One® Quicksilver® Cash Rewards Card offers a one-time $150 cash bonus after spending $500 on purchases within 3 months from account opening.
You'll be able to earn an unlimited 1.5% cash back on every purchase, every day with no rotating categories or sign-ups needed to earn cash rewards.
This card comes with no annual fee and no foreign transaction fees which makes this card a viable option for your go-to everyday card.
The American Express® Gold Card offers 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
You'll have the opportunity to earn 4X Membership Rewards® points when you dine at restaurants worldwide & at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X); 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
This card has an annual fee of $250 with no foreign transaction fees. Some benefits including earning up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. In addition, a $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
The Capital One® VentureOne® Rewards Card offers a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel.
You'll earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture.
This card comes with no annual fees and no foreign transaction fees which is a great choice as your go-to travel card!
The Chase Sapphire Preferred® Card offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®!
You'll earn 2X points on travel and dining at restaurants worldwide; 1 point per dollar spent on all other purchases. And when you redeem your points for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards, you'll get 25% more value!
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