5 Things to Know About the Royal Caribbean Credit Card
The original Royal Caribbean Visa Signature has been replaced by a pair of new cards, one with no annual fee and one with a fee plus additional parks.
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Assigning Editor » Update: New cards now available
Bank of America® and Royal Caribbean launched two new credit cards in 2026 to replace the old Royal Caribbean Visa Signature card. The new cards are the:
- Royal ONE™ Visa Signature® credit card: This $0-annual-fee card offers bonus rewards on spending with Royal Caribbean, Celebrity Cruises and Silversea, as well as on groceries, gas and EV charging. Read our review of the Royal ONE™ Visa Signature® credit card.
- Royal ONE Plus™ Visa Signature® credit card: For a $99 annual fee, you get higher rewards on cruise spending and additional perks. Read our review of the Royal ONE™ Visa Signature® credit card.
Pre-existing cardholders of the original Royal Caribbean Visa Signature card will eventually receive the new Royal ONE™ Visa Signature® credit card. The account will be automatically converted.
Below is our review of the original Royal Caribbean Visa Signature card from 2024, when it was still available.
The Royal Caribbean Visa Signature card is aimed at people who enjoy taking cruises frequently with Royal Caribbean International or its sister brand, Celebrity Cruises.
The $0-annual-fee card, issued by Bank of America®, earns decent rewards on Royal Caribbean purchases and features bonuses for new cardholders. However, limited redemption options and lack of lucrative benefits make the card of little value for even the most loyal Caribbean customers.
Here are five things to know about the card.
🤓 Nerdy Tip
Bank of America® issues another cruise line credit card, the Norwegian Cruise Line World Mastercard. It earns 3 points for every $1 spent on Norwegian purchases, 2 points per $1 for eligible air and hotel purchases, and 1 point per $1 for all other spending. Points are worth a penny each and can be redeemed for Norwegian cruise-related options as well as for airline tickets and cash back to your account. 1. Ongoing rewards are lackluster
The Royal Caribbean Visa Signature card earns rewards known as MyCruise points at the following rates:
- 2 points for every $1 spent on qualifying purchases with Royal Caribbean and Celebrity Cruises.
- 1 point for every $1 spent on all other purchases.
If you’re not sailing frequently with Royal Caribbean or Celebrity Cruises, it’ll take you some time to rack up valuable rewards. Other no-annual-fee travel credit cards offer higher point-earning potential as well as rewards in everyday spending categories — like dining and groceries — which makes it easier to accrue points.
2. Points values vary and redemption is inflexible
Redemption of MyCruise points starts at 1,000 points and can be redeemed for cruise vacations, and a variety of cruise-related options, including room upgrades, discounts and onboard credit used for purchases made at the ship's spa, gift shop, bar and so forth.
Points are generally worth a penny each, and cardholders can only earn up to 540,000 points per year and points expire after five years.
3. It comes with a welcome offer
As of May 2024, the Royal Caribbean Visa Signature card comes with this intro offer: Earn 30,000 bonus points when you make your first purchase with the card within 90 days of account opening. At the rate of a penny per point, this bonus is worth $300 in onboard credits.
4. It’s light on fees
The card doesn’t charge an annual fee, which is typically the case for similar cruise line cards.
There are also no foreign transaction fees, meaning you won't pay additional costs when you make purchases overseas. This could prove especially useful when your cruise ship docks at its destination.
5. Carrying a balance can be expensive
There’s no introductory interest-free offer for the Royal Caribbean Visa Signature card. The ongoing APR is 18.74% - 28.74% Variable (as of November 2024), which can be higher than the average rates charged for credit card accounts that incur interest.
To avoid interest-rate charges, pay the balance on time and in full every month if you are able.
Information related to the Royal Caribbean Visa Signature card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.
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