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.
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. |
| Bonus Value | $100 |
| 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 |
| Annual Fee | $0 |
Recommended Free Credit Score (Get Free Score)
690 – 850 (Good – Excellent)
*Royal Caribbean is issued by BoA. See our list of BoA bonuses for Checking & Savings accounts.*
Pros
- No annual fee
- Bonus points
- Airfare credit
- No foreign transaction fee
Cons
- Good-Excellent credit needed to qualify
- Limited redemption options
Editor’s Alternate Pick
 The Chase Freedom Unlimited® Card offers: INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%. In addition, you can earn: • 6.5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase TravelSM, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other 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. Member FDIC |
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
- Merchandise
- 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:
Buy things overseas without stressing over any foreign transaction fees with the Royal Caribbean credit card.
Bottom Line
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 FlexSM offers a $150 bonus after you spend $500 on purchases in your first 3 months from account opening. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%. You'll earn: • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • 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. |
 The Capital One Quicksilver Cash Rewards Card offers $200 Cash Back after spending $500 on purchases within 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies You'll earn: • 1.5% Cash Back on every purchase, every day with no rotating categories or sign-ups needed to earn cash rewards. • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply. 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 60,000 Membership Rewards points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. You'll earn: • 4X Membership Rewards points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. • 4X Membership Rewards points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. • 3X Membership Rewards points per dollar spent on flights booked directly with airlines or on AmexTravel.com. • 2X Membership Rewards points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. • 1X Membership Rewards point per dollar spent on all other eligible purchases. Other benefits: • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit. • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express(R) Gold Card at Dunkin' locations. • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express(R) Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required. • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express(R) Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required. • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property. This card has an annual fee of $325 with no foreign transaction fees (See Rates & Fees). Terms Apply. |
 The Capital One VentureOne Rewards Card offers 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel. Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies. You'll earn: • 1.25 Miles per dollar on every purchase, every day. • 5 Miles per dollar on hotels and rental cars booked through Capital One Travel. 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. You'll earn: • 5x on travel purchased through Chase TravelSM • 3x on dining, select streaming services and online groceries • 2x on all other travel purchases • 1x on all other purchases • $50 Annual Chase Travel Hotel Credit • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase TravelSM This card carries a $95 annual fee. |
