Royal Caribbean Visa Signature Credit score Card assessment: Full particulars
Royal Caribbean Visa Signature® Credit score Card overview
The Royal Caribbean Visa Signature Credit score Card entices loyal cruisers with its rewards choices of cabin upgrades, companion fares, onboard credit and free cruises. The cardboard has no annual price, no overseas transaction charges and uncomplicated rewards redemptions. Plus, it provides the extra advantages that include it being a Visa Signature card. The cardboard does have some drawbacks, primarily the quantity of spending wanted for probably the most precious rewards. Card ranking*: ⭐⭐⭐
* Card ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Royal Caribbean could also be recognized for its megaships and unbelievable onboard leisure, however its bank card providing is far much less flashy. For those who’re trying to get free cruises by signing up for the bank card, you is likely to be disenchanted to see how a lot you’d must spend on the Royal Caribbean bank card to take action.
Let’s take a better have a look at the Royal Caribbean bank card to see if it is likely to be match for you.
The data for the Royal Caribbean bank card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Royal Caribbean Visa Signature Credit score Card welcome supply
The Royal Caribbean Visa Signature Credit score Card is at the moment providing a sign-up bonus of 25,000 MyCruise bonus factors after you make a minimum of $1,000 in purchases inside the first 90 days of account opening. The 25,000 factors are value $250 in onboard credit score.
This welcome bonus aligns with what you may typically count on on a no-annual-fee card that requires $1,000 or much less in spending. Nonetheless, you may usually get a significantly better worth from the welcome bonus on most basic journey bank cards, particularly if you happen to’re keen to pay an annual price of round $100.
Associated: Bank card sign-up bonuses you may earn with $1,000 or much less in spending
Each day E-newsletter
Reward your inbox with the TPG Each day e-newsletter
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s consultants
Royal Caribbean Visa Signature Credit score Card advantages
The cardboard’s two large highlights are that it has no annual price and no overseas transaction charges. Having no overseas transaction charges is beneficial if you happen to often make purchases exterior of the U.S. Many playing cards with this perk have an annual price, so to get this perk with no annual price is a win.
Cardholders additionally obtain a $50 airfare low cost with Royal Caribbean’s Air2Sea program after making a minimum of $3,500 in card purchases inside the first 90 days of account opening. (College students usually are not eligible.)
The Royal Caribbean card consists of some extra advantages below its Visa Signature label. You may obtain entry to a 24/7 complimentary concierge (who can help with journey plans, eating requests and leisure tickets), plus entry to the Visa Signature Luxurious Resort Assortment and its advantages, similar to particular charges and VIP standing at choose luxurious inns worldwide.
Additionally, as a Visa Signature card, the Royal Caribbean bank card features a secondary auto rental collision harm waiver, prolonged guarantee safety and misplaced baggage reimbursement.
Associated: Earn rewards at no cost with these no-annual-fee bank card methods
Incomes factors on the Royal Caribbean Visa Signature Credit score Card
The Royal Caribbean bank card earns MyCruise factors, that are fully completely different from the Crown & Anchor Society factors you may earn from Royal Caribbean’s loyalty program.
The Royal Caribbean Visa Signature Credit score Card falls quick in relation to incomes charges. Cardholders earn 2 MyCruise factors for each greenback spent on qualifying purchases with Royal Caribbean and its sister model, Celeb Cruises, and simply 1 MyCruise level for each greenback spent on all different purchases.
And, despite the fact that Financial institution of America points the Royal Caribbean bank card, it’s excluded from the Financial institution of America Most well-liked Rewards® program, so cardholders can not earn further factors that means.
For those who’re trying to rack up factors, many different bank cards earn extra bonus factors on particular class spending, similar to journey, eating, gasoline and groceries. The Royal Caribbean Visa Signature card might be not the cardboard to make use of for all of your on a regular basis spending as a result of it can take a very long time to earn a considerable quantity of MyCruise factors.
Bank card factors expire 60 months (roughly 5 years) after the transaction posting date, no matter exercise in your account. You might be additionally restricted to incomes a most of 540,000 factors every calendar yr. For those who had been to build up factors over the course of 5 years, the utmost variety of factors you possibly can earn and redeem could be 2.7 million MyCruise factors.
Associated: Do you have to get a cruise line bank card? Here is a better look
Redeeming factors on the Royal Caribbean Visa Signature Credit score Card
You possibly can redeem your MyCruise factors for onboard credit and facilities, cabin upgrades, cruise reductions, companion fares, free cruises, merchandise and charitable donations.
Most of the out there rewards (warning: PDF) are valued at 1 cent per level. You possibly can redeem as few as 1,000 MyCruise factors for a $10 donation to World Wildlife Fund’s world ocean conservation mission. Cabin upgrades and onboard credit score redemptions start at 5,000 factors for rewards valued at $50.
At present, a free cruise redemption begins at 50,000 factors for a three- or four-night Royal Caribbean cruise in an ocean-view cabin. The worth of the cruise trip fare should not exceed $1,000, so that is higher than the 1-cent-per-point choices.
There are date restrictions (no Christmas or New Yr’s sailings), and you may’t mix the cruise rewards with different promotional provides or restricted pricing.
To be able to redeem your factors, you may sign up to your account at royalcaribbean.com/mycruiserewardsonline.
Associated: The final word information to Royal Caribbean cruise ships and itineraries
Which playing cards compete with the Royal Caribbean Visa Signature Credit score Card?
Most cruise aficionados will get higher worth from a basic journey rewards or cash-back bank card, similar to one of many following:
- If you wish to earn extra factors in your journey purchases: Take a look at the American Specific® Inexperienced Card. It earns 3 Membership Rewards factors per greenback on journey purchases, together with cruises. This implies you may earn bonus factors on the cruise reserving in addition to any airfare or resort purchases you make to get to and out of your cruise. The cardboard has a $150 annual price (see charges and charges) but additionally consists of a number of journey protections and has annual assertion credit for Clear Plus and LoungeBuddy. For extra info, learn our full assessment of the Amex Inexperienced.
- If you wish to earn versatile rewards: Attempt the Chase Sapphire Most well-liked. For a $95 annual price, you may get pleasure from 5 factors per greenback on journey booked by means of the Chase journey portal; 3 factors per greenback on eating, choose streaming companies and on-line groceries (excluding Goal, Walmart and wholesale golf equipment); 2 factors per greenback on all journey not booked by means of the Chase journey portal; and 1 level per greenback on all different purchases. For extra info, learn our full assessment of the Sapphire Most well-liked.
- If you’d like a flat incomes price with no annual price: The Citi Double Money® Card (see charges and charges) earns 1% whenever you purchase and 1% whenever you pay your invoice (for a complete of two% money again on all of your purchases). The cardboard does have a 3% overseas transaction price, so that you’d wish to use an alternate card for purchases exterior of the U.S. For extra info, learn our full assessment of the Double Money.
For added choices, see our full lists of one of the best cash-back and basic journey rewards bank cards.
Associated: The most effective bank cards for reserving cruises
The data for the American Specific Inexperienced Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Is the Royal Caribbean Visa Signature Credit score Card value it?
You possibly can solely earn a most of 540,000 MyCruise factors per yr with the Royal Caribbean bank card, and it’d take $270,000 in spending every year with Royal Caribbean or Celeb Cruises or over half 1,000,000 {dollars} in spending on different purchases to hit that most.
When you’ve got a quarter- or half-million {dollars}’ value of purchases to make every year, you are able to do lots higher than incomes 1 or 2 factors per greenback on the Royal Caribbean card. You’d get extra worth from a card with a giant welcome bonus or one that provides extra factors per greenback on on a regular basis spending.
Backside line
The Royal Caribbean card provides an honest variety of advantages as a no-annual-fee bank card, because of its Visa Signature label. Nonetheless, it comes up quick on incomes charges for spending, plus the factors expire after 5 years. Redemptions are easy to know, however except you are a heavy spender, it can take a very long time to earn sufficient factors for a free cruise for 2.
