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Planning a cruise? This card can help you earn discounts before you go.

Who the Royal Caribbean Visa Credit Card Is For

• People who want to earn rewards and other bonuses towards cruises on Royal Caribbean.

Credit Rating Required

• Fair to Excellent (660+)

About the Royal Caribbean Visa Credit Card

Pros

• 10,000 bonus points after first transaction.
• Attractive rewards.
• Relatively low APR if you qualify.

Cons

• 3% foreign transaction fee.

Rewards

• Two points per dollar on Royal Caribbean purchases
• One point per dollar on all other purchases
• 10,000 bonus points after first transaction (purchase or balance transfer)

APRs

• 12.99 to 20.99% on purchases and balance transfers, based on your credit worthiness.
• 0% for first nine months for balance transfers, then the purchase rate.
• Penalty APR: None.

Fees

• No annual fee.
• Late fee: Up to $35.
• Returned payment or check fee: Up to $25.
• Over the limit fee: None.
• Balance transfer fee: 4%.
• Foreign transaction fee: 3%.

Royal Caribbean Visa Credit Card Review

If you take frequent cruises on Royal Caribbean, this card will help you earn points toward future trips. If you're planning to take your first cruise, this card will help you earn discounts on your vacation. And there's no annual fee.

You earn two "Royal Points" per dollar on all Royal Caribbean purchases, either the trip itself or what you purchase on board. You earn one point per dollar on all other purchases.

The most attractive feature of this card is the upfront bonus.

You earn 10,000 bonus points after you first transaction, whether it's a purchase or a balance transfer. There's a 0% APR on balance transfers for the first nine months, although the balance-transfer fee is a fairly steep 4%.

If you have good credit, the APR on purchases is a moderate 12.99%, rising to 20.99% if you have fair credit.

You can redeem your points for cruises, stateroom upgrades, cruise discounts, on-board credits, cash or merchandise. Reward redemptions begin at 10,000 points. You can earn up to 250,000 Royal Points per year, including bonus points, and redeem a maximum of 1,250,000 points over five Years. Points expire after five years.

Recommendation

This card is virtually identical to the Norwegian Cruise Line MasterCard. The only difference is the cruise line sponsor. If you're looking for a credit card where you can earn points towards a discounted cruise, it really depends on where you're planning to go and which line you prefer. Both cards are issued by Bank of America.

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