Royal Caribbean Credit Cards: A Comprehensive Review

Royal Caribbean credit cards offer a range of benefits for loyal cruisers, including rewards points that can be redeemed for onboard credits, free cruises, and other perks.

One of the most attractive features of Royal Caribbean credit cards is the opportunity to earn rewards points, which can be redeemed for onboard credits, free cruises, and other perks. In fact, cardholders can earn up to 6x points per dollar spent on Royal Caribbean cruises and vacation packages.

Cardholders can also enjoy exclusive benefits like priority check-in, onboard spending credits, and complimentary Wi-Fi. For example, the Royal Caribbean Visa Signature card offers up to $200 in onboard spending credits per year.

By using a Royal Caribbean credit card for your cruise expenses, you can earn rewards points and enjoy exclusive benefits that enhance your cruise experience.

The Royal Caribbean credit card has a no annual fee and no foreign transaction fees, making it a great option for frequent travelers.

Having no foreign transaction fees is a huge perk, especially if you're traveling abroad. You'll save money on fees and won't have to worry about surprise charges on your bill.

Cardholders also receive a $50 airfare discount with Royal Caribbean's Air2Sea program after making at least $3,500 in card purchases within the first 90 days of account opening.

The Royal Caribbean Visa Signature Credit Card offers some fantastic benefits that can enhance your travel experiences.

You'll have no annual fee and no foreign transaction fees, which is a huge win if you frequently make purchases outside of the U.S.

The card also comes with a $50 airfare discount through Royal Caribbean's Air2Sea program, but you'll need to spend at least $3,500 in card purchases within the first 90 days of account opening.

This card also includes a 24/7 complimentary concierge, which can assist with travel plans, dining requests, and entertainment tickets.

As a Visa Signature card, you'll get access to the Visa Signature Luxury Hotel Collection, which offers special rates and VIP status at select luxury hotels worldwide.

You'll also have a secondary auto rental collision damage waiver, extended warranty protection, and lost luggage reimbursement.

Earning points on the Royal Caribbean Visa Signature Credit Card is a bit of a challenge. The card earns 2 MyCruise points for every dollar spent on qualifying purchases with Royal Caribbean and its sister brand, Celebrity Cruises, and just 1 MyCruise point for every dollar spent on all other purchases.

The earning rate is relatively low compared to other credit cards that offer bonus points on specific category spending, such as travel, dining, gas, and groceries.

You won't be able to earn extra points through the Bank of America Preferred Rewards program, which is a bummer.

Credit card points expire after 60 months, or approximately five years, from the transaction posting date, regardless of activity on your account.

You're also limited to earning a maximum of 540,000 points each calendar year.

Card duplication can be a concern when choosing a credit card, but it's not always a bad thing. If you already have a card with travel benefits, like the American Express Green Card, you might not need another card specifically for cruises.

The American Express Green Card earns 3 Membership Rewards points per dollar on travel purchases, including cruises, which means you'll earn bonus points on the cruise booking as well as any airfare or hotel purchases you make to get to and from your cruise.

If you're looking for a card with flexible rewards, consider the Chase Sapphire Preferred Card, which earns 5 points per dollar on travel booked through the Chase travel portal.

Here's a quick comparison of the cards mentioned:

The Citi Double Cash Card is a great option if you want a flat earning rate with no annual fee, earning 1% when you buy and 1% when you pay your bill (for a total of 2% cash back on all your purchases).

The cruise line card has some excellent features that make it a great choice for travelers. One of the standout benefits is the low fees.

You won't have to worry about an annual fee, which is a common expense with similar cards. This can save you money right off the bat.

No foreign transaction fees means you can shop and dine abroad without incurring extra costs. This is especially useful when your cruise ship docks at its destination, as mentioned earlier.

The Royal Caribbean credit cards offer a range of benefits, but it's essential to consider the pros and cons before applying.

The most significant advantage of these credit cards is the opportunity to earn rewards points, which can be redeemed for free cruises, onboard amenities, and other perks.

You can earn points on purchases made on your card, as well as on Royal Caribbean cruises booked through the cruise line's website.

One of the main drawbacks is the high interest rate, which can be as high as 28.99% APR.

However, if you pay your balance in full each month, you can avoid interest charges altogether.

Another con is the annual fee, which ranges from $60 to $150, depending on the card.

On the other hand, the cards offer a 0% introductory APR for 12-18 months, which can be a significant advantage for those who need to finance a large purchase.

Additionally, some cards offer a sign-up bonus of up to 75,000 points, which can be redeemed for a free cruise or other rewards.

However, to qualify for the sign-up bonus, you typically need to spend a certain amount within the first few months of opening the account.

Overall, the Royal Caribbean credit cards can be a great option for frequent cruisers who want to earn rewards points and enjoy exclusive benefits.

The Bank of America Royal Caribbean Visa Signature Credit Card and Capital One Venture Rewards Credit Card are two popular options for Royal Caribbean fans. The Bank of America Royal Caribbean Visa Signature Credit Card charges an annual fee of $0, while the Capital One Venture Rewards Credit Card charges $95.

If you're looking for rewards, the Bank of America Royal Caribbean Visa Signature Credit Card offers two points per $1 on Royal Caribbean and Celebrity Cruises purchases, as well as one point for all purchases. On the other hand, the Capital One Venture Rewards Credit Card earns 2 miles for all purchases.

In terms of sign-up bonuses, the Bank of America Royal Caribbean Visa Signature Credit Card offers 10,000 bonus points, while the Capital One Venture Rewards Credit Card offers 60,000 bonus points, equivalent to $600 for travel, after spending $3,000 within three months of account opening.

The Bank of America Royal Caribbean Visa Signature Credit Card and the Capital One Venture Rewards Credit Card are two popular options for travelers. The annual fee of the Bank of America Royal Caribbean Visa Signature Credit Card is $0, while the Capital One Venture Rewards Credit Card charges $95.

The Bank of America Royal Caribbean Visa Signature Credit Card offers two points per $1 on Royal Caribbean and Celebrity Cruises purchases, and one point for all other purchases. This is compared to the Capital One Venture Rewards Credit Card, which earns two miles for all purchases.

The Bank of America Royal Caribbean Visa Signature Credit Card has a sign-up bonus of 10,000 bonus points, plus a $50 Air2Sea discount when you spend $3,000. The Capital One Venture Rewards Credit Card offers 60,000 bonus points, equivalent to $600 for travel, when you spend $3,000 within three months of account opening.

Both cards offer zero dollars fraud liability, but the Bank of America Royal Caribbean Visa Signature Credit Card also provides free monthly access to your FICO credit score.

The Bank of America Royal Caribbean Visa Signature Credit Card and the Chase Sapphire Preferred Card are two popular options for travelers and credit card enthusiasts. The Bank of America Royal Caribbean Visa Signature Credit Card has an annual fee of $0.0, while the Chase Sapphire Preferred Card has an annual fee of $95.

If you're looking for rewards, the Bank of America Royal Caribbean Visa Signature Credit Card is a great choice for Royal Caribbean, Celebrity Cruises, or Azamara Club Cruises purchases, earning two points per $1. On the other hand, the Chase Sapphire Preferred Card offers five points per $1 on Lyft (valid until March 2022), three points for dining out at restaurants, two points for travel, and one point on any other purchase.

The sign-up bonus for the Bank of America Royal Caribbean Visa Signature Credit Card is 10,000 bonus points for qualifying transactions within 90 days of opening your account, plus a $50 Air2Sea discount when you spend $3500 in the first 90 days. To put that in perspective, the Chase Sapphire Preferred Card offers 60,000 bonus points when you spend $4,000 within the first three months of account opening.

In terms of benefits, the Bank of America Royal Caribbean Visa Signature Credit Card offers zero dollar liability for fraudulent transactions and monthly FICO credit score accessibility for free. The Chase Sapphire Preferred Card, on the other hand, provides travel cancellation insurance, emergency assistance services, purchase protection, and extended warranty coverage.

The Royal Caribbean Visa Signature card is geared towards frequent cruisers with Royal Caribbean, Celebrity Cruises, or Azamara. It doesn't charge an annual fee or foreign transaction fees.

The card's welcome bonus of 10,000 MyCruise points for making a transaction in the first 90 days could be a significant perk for some users. However, outside of its welcome bonus, the card has no standout features or rewards.

Most individuals will be better off with a 2% cash back credit card or a travel rewards card.

The Royal Caribbean Visa Signature Credit Card is a solid choice for anyone who loves to cruise. You'll earn a $100 statement credit for spending $1,000 in the first 90 days.

Earning rewards is easy, as every dollar spent on qualifying purchases with Royal Caribbean and its sister brands earns two MyCruise Points. This means you'll rack up points quickly on cruises with Royal Caribbean, Celebrity Cruises, and Azamara Club Cruises.

Spending on other purchases earns one point per dollar, which is still a decent return. However, it's worth noting that the rewards structure is more generous for purchases made with Royal Caribbean's sister brands.

The Royal Caribbean credit cards are designed for cruise enthusiasts and reward frequent travelers. They offer a range of benefits that can enhance your cruise experience.

You can earn points or miles on your daily purchases, such as groceries and gas, which can be redeemed for free cruises or other travel perks. For example, the Royal Caribbean Visa Signature Card earns 3 points per dollar spent on cruise purchases.

The credit cards also offer exclusive benefits for Royal Caribbean cruises, such as onboard credits, free Wi-Fi, and priority check-in.

Redeeming points on your Royal Caribbean Visa Signature Credit Card can be a great way to get the most out of your rewards. You can redeem your MyCruise points for onboard credits and amenities, cabin upgrades, cruise discounts, companion fares, free cruises, merchandise, and charitable donations.

Some rewards are valued at 1 cent per point, making them a decent option for small redemptions. You can redeem as few as 1,000 MyCruise points for a $10 donation to World Wildlife Fund's global ocean conservation mission, for example.

You can also redeem points for cabin upgrades, starting at 5,000 points for rewards valued at $50. This can be a great way to upgrade your accommodations without breaking the bank.

If you're looking for a bigger reward, you can redeem points for a free cruise. This begins at 50,000 points for a three- or four-night Royal Caribbean cruise in an ocean-view cabin. The value of the cruise vacation fare must not exceed $1,000, so this is a great option if you're looking for a short, affordable cruise.

There are some restrictions to be aware of, however. You can't redeem points for Christmas or New Year's sailings, and you can't combine the cruise rewards with other promotional offers or restricted pricing.

If you're considering applying for a credit card to save for a cruise, the Royal Caribbean Visa Signature Credit Card is worth a look. It offers rewards towards discounts on Royal Caribbean, Celebrity, and other cruises.

The card has no annual fee, which is a big plus. You'll earn 2X points on purchases with Royal Caribbean brands and 1X points on all other purchases.

It's only a good fit for those who plan to take a cruise regularly or are saving for a specific trip. If you're unsure which cruise line to choose, you might also consider the Norwegian Cruise Line World Mastercard.

The Royal Caribbean Visa Signature Credit Card is a great option for travelers, but before you use it, consider sharing your experience with others. This can help inform potential applicants about the card's benefits and drawbacks.

The card's terms and conditions mention that it's a Visa Signature Credit Card, which means it comes with certain perks like travel insurance and concierge services. These benefits can be really useful for cardholders.

To share your experience with the card, you can follow the instructions on the card's website or mobile app. This will allow you to provide feedback that can help others make an informed decision about applying for the card.

Carrying a balance with a Royal Caribbean credit card can be expensive. The ongoing APR is 18.74% - 28.74% Variable, which is higher than average.

To avoid interest-rate charges, you need to pay the balance on time and in full every month if you can. This is the only way to avoid these extra fees.

The Royal Caribbean Visa Signature card has no introductory interest-free offer, which means you'll be charged the ongoing APR from the start.