Bank of America
Royal Caribbean Visa Signature Credit Card
Key Features
| Annual Fee | $0.00 |
| Intro APR | Introductory APR None |
| Regular APR | Standard APR 17.49% - 27.49% variable |
| Other Fees | Balance Transfer Fee 4% of each transaction |
| Network | Visa |
About this card
The Royal Caribbean Visa Signature Credit Card is a niche product, best suited for loyal Royal Caribbean cruisers. Its strengths lie in the absence of an annual fee and a decent sign-up bonus. The 2x rewards on Royal Caribbean purchases is a plus for brand enthusiasts. However, the card is let down by a high APR range and a low 1x rewards rate on all other purchases, making it less appealing for general use. The rewards program lacks flexibility, as redemption options are mainly limited to Royal Caribbean. Given these factors, the card is of fair value. Strengths: No annual fee, decent sign-up bonus, rewards on Royal Caribbean purchases. Weaknesses: High APR, low rewards rate on non-cruise purchases, inflexible rewards program.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- Rewards on purchases
Things to consider
- High regular APR
- Limited rewards categories
- Balance transfer fee
What this card offers
Sign-up bonuses
- Online Offer: 30,000 MyCruise bonus points, worth $300 in onboard credit after you make at least $1,000 in purchases in the first 90 days of account opening
- 30,000 bonus points after making at least $1,000 in purchases in the first 90 days of your account opening. Valued at $300 onboard credit.
Rewards
- 2 MyCruise points for every $1 spent on qualifying purchases with Royal Caribbean and our sister brands, Celebrity Cruises and Silversea
- 1 MyCruise point for every $1 spent on all other purchases.
Other features
- $50 Discount on Royal Caribbean's Air2Sea program after making at least $3,500 in card purchases within the first 90 days of account opening
- Redeem your points toward cruise upgrades & discounts, cruise vacations, onboard credits to use anyway you'd like – specialty restaurants, shore excursions, in the shops or at the spa
- Stay Protected We block potential fraud if abnormal patterns are detected and let you know if we suspect fraudulent activity. Plus, you always get a $0 Liability Guarantee for fraudulent transactions.
- Balance Connect for overdraft protection An optional service to help prevent declined purchases, returned checks or other overdrafts when you link your eligible Bank of America checking account to your credit card. No transfer fees. Other fees may apply.
- Paperless Statement Option
- Digital Wallet Technology Discover more ways to pay by adding your Bank of America credit card to your mobile device then shop in-store or in-app using Apple Pay, Google Pay or Samsung Pay.
- Online & Mobile Banking Access to our award-winning Online and Mobile Banking. Bank on the go from almost anywhere quickly and securely. Pay your credit card bill online, transfer funds, check available credit and more.
- Account Alerts Stay on top of your balances and due dates. Choose from several types of customer email or text alerts and let your phone tell you when payments are due and paid.
Additional Notes
This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now. Note: minimum payments are applied to lower-interest balances first. Additional payments are applied to higher-interest balances first.