Bank of America Royal Caribbean Platinum Plus Review: What You Need to Know

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What is your average bill?


Monthly Spend	$/mo

Spending categories
Gas	$/mo
Grocery/Drug	$/mo
Dining	$/mo
Other	$1,200/mo

How long do you plan to hold this card?

2 years

Do you carry a balance?

$10,000

How much do you value airline miles?

1.0 cent per mile

Traveling abroad?

Credit Cards With No Foreign Transaction Fee

Review / Compare / Reward Calculations / Interest Calculations / Rankings / Comments

Bank of America Royal Caribbean Platinum Plus

(0/5 - 0 Votes)

Net Annual Rewards

$241
of Retailer Points

Reward Rate

1.00%

Annual Fee

Signing Promo

5,000 Retailer Points Bonus

APR, variable*

Min APR:

12.99%

Max APR:

20.99%

Default:

29.99%

Cash Adv:

24.99%

Intro APR Promotions

Purchase:

None

Transfer:

None

Summary

Earn 1 point per $1 spent on purchases
2x on Royal Caribbean

NerdWallet Credit Card Review: Bank of America Royal Caribbean Platinum Plus

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Reward Details & Calculator

Rewards Type: Retailer Points

Signing Promotion
($50=5,000 points)/2 yrs

$25

Estimated Annual Rewards
$21,600 * 1.00%

$216

Annual Fee, 2 yr avg

Annual Rewards (Rewards less Fees)

$241

Calculate Interest & Finance Charges

Use the sliders to the left to calculate balance transfer interest and APR interest for this particular card.

Finance Charge, Balance Transfer of $10,000*

Balance Transfer Fee, 4.0%

$400

APR, 24 months

$3,067

Total

$3,467

*Average APR for Balance Transfers of 15.0% includes transfer fees and APR promotions.

Effective Annual Rate, Purchases

Promo EAR, 0 months

0.00%

Ongoing EAR, 24 months

13.79%

Total EAR, 24 months

13.79%

APR Rankings

APR

12.99%

ranks #1158 out of 1750 cards.
Average is 11.76%.

Balance Transfer Fee

ranks #1257 out of 1640 cards.
Average is 1.75%.

Cash Advance APR

24.99%

ranks #824 out of 1016 cards.
Average is 18.81%.

Rewards Rankings

Annual Fee

ranks #1 out of 1794 cards.
Average is $9.

Base Reward Rate

ranks #67 out of 935 cards.
Average is 0.99%.

Effective Reward Rate

N/A

Sign-up Bonus

$50

ranks #93 out of 1783 cards.
Average is $28.

*Disclaimer: We try to keep information accurate and up to date, however we cannot make warranties regarding the accuracy of our information. Please verify FDIC Insurance / NCUA Insurance status, credit card information, and interest rates during the application process.

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