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  Celebrity Cruises® Visa Signature® Credit Card

Celebrity Cruises® Visa Signature® Credit Card

in Personal Credit Cards from Bank of America

Unaffiliated

Celebrity Cruises® Visa Signature® Credit Card

Unaffiliated

in Personal Credit Cards from Bank of America

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Highlights
Purchase APR  (Variable APR) 16.49% - 24.49%
Balance Transfer APR  (Variable APR) 16.49% - 24.49%
Credit Score Range 700 - 850
Annual Fee $0

Celebrity Cruises® Visa Signature® Credit Card Review

This is a rewards credit card issued by Bank of America. If you're wondering whether Celebrity Cruises® Visa Signature® Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Signup bonus. Offers a signup bonus of 10000 points that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Celebrity Cruises® Visa Signature® Credit Card has a variable purchase APR that ranges from 16.49% up to 24.49%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Celebrity Cruises® Visa Signature® Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, travel assistance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Celebrity Cruises® Visa Signature® Credit Card
The Good The Bad
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Travel assistance insurance
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Celebrity Cruises® Visa Signature® Credit Card is accepted.
  • Celebrity Cruises® Visa Signature® Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Charges a 3% balance transfer fee.
Celebrity Cruises® Visa Signature® Credit Card FAQ

Does Celebrity Cruises® Visa Signature® Credit Card have a cash back or rewards program?

Celebrity Cruises® Visa Signature® Credit Card is a travel rewards card.

Celebrity Cruises® Visa Signature® Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate 2x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 10000
Signup Bonus Spend Period (months) 3 months

Does Celebrity Cruises® Visa Signature® Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 10000 points signup bonus that can be redeemed for travel, gifts, or other perks.

Does Celebrity Cruises® Visa Signature® Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Celebrity Cruises® Visa Signature® Credit Card benefits?

It provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Zero fraud liability
  • No blackout dates when redeeming miles
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Celebrity Cruises® Visa Signature® Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance.

It has a variable purchase APR that ranges from 16.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 16.49% up to 24.49%. It also has a variable cash advance APR that ranges from 19.49% up to 27.49%. Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Celebrity Cruises® Visa Signature® Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Celebrity Cruises® Visa Signature® Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Celebrity Cruises® Visa Signature® Credit Card?

The following fees apply:

Celebrity Cruises® Visa Signature® Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $29
Late Payment Fee up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Celebrity Cruises® Visa Signature® Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Celebrity Cruises® Visa Signature® Credit Card?

The Celebrity Cruises® Visa Signature® Credit Card customer service number is (800) 932-2775.

What is the support contact email for Celebrity Cruises® Visa Signature® Credit Card?

The support contact email for Celebrity Cruises® Visa Signature® Credit Card is customerservicealert@bankofamerica.com.

Does Celebrity Cruises® Visa Signature® Credit Card report your account activity to credit bureaus?

Yes, Celebrity Cruises® Visa Signature® Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Celebrity Cruises® Visa Signature® Credit Card

  • Visit the Celebrity Cruises® Visa Signature® Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 2 MyCruise points for every $1 spent on qualifying purchases with Celebrity Cruises® and our sister brands, Royal Caribbean® and Azamara®. 1 MyCruise point per $1 on all other purchases.
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $1.50
Returned Payment Fee Up to $29
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Tax Returns
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Travel Assistance
No Blackout Dates
Rewards Categories
  • Every Purchase
  • Travel
Signup Bonus (points) 10,000
Cash Advance APR (Variable APR) 19.49% - 27.49%
Balance Computation average daily balance (including new purchases).
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 16.49% - 24.49%
Balance Transfer APR (Variable APR) 16.49% - 24.49%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Bonus Offers
  • Rewards
  • Travel
Card Network Visa

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