Celebrity Cruises® Visa Signature® Credit Card Review

Celebrity Cruises® Visa Signature® Credit Card is a rewards credit card issued by Bank of America. 

This card is designed for people with good credit. The minimum credit score to apply is 700. If you're wondering whether Celebrity Cruises® Visa Signature® Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of Celebrity Cruises® Visa Signature® Credit Card

The Good	The Bad
No annual fee. Multiple credit card perks. Cardholders can earn rewards on their purchases. Offers auto rental collision damage waiver. Extended warranty protection on purchases. Free access to your credit score. Travel Assistance. No foreign transaction fee. Earn rewards on every purchase. Celebrity Cruises® Visa Signature® Credit Card reports to multiple credit bureaus.

Is there a Celebrity Cruises® Visa Signature® Credit Card cash back or rewards program?

Celebrity Cruises® Visa Signature® Credit Card offers a rewards program to its customers.

Celebrity Cruises® Visa Signature® Credit Card Rewards

Rewards rate (all purchases)	1%
Max rewards rate	2%
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	10000
Signup Bonus Spend Period (months)	3 months

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

Celebrity Cruises® Visa Signature® Credit Card 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance.

Celebrity Cruises® Visa Signature® Credit Card has a variable purchase APR that ranges from 16.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 16.99% up to 24.99%. It also has a variable cash advance APR that ranges from 19.99% up to 26.99%. 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.

Celebrity Cruises® Visa Signature® Credit Card Balance Transfers

Description
Balance Transfer APR	16.99% - 24.99%
Introductory Rate	N/A
Intro APR period (months)	N/A

Celebrity Cruises® Visa Signature® Credit Card Rates & Terms

Description
Balance Computation	average daily balance (including new purchases)
Purchase APR	16.99% - 24.99%
Credit Limit	N/A
Penalty APR	29.99%
Cash Advance APR	19.99% - 26.99%
Security Deposit	N/A
Introductory Rate	N/A
Intro APR period (months)	N/A

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

The following fees apply to Celebrity Cruises® Visa Signature® Credit Card:

Celebrity Cruises® Visa Signature® Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
Balance Transfer Fee	3%
Minimum Balance Transfer Fee	$10
Returned Payment Fee	$28
Late Payment Fee	$39

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

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 can help improve your credit score.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.