Holland America Line Rewards Visa Card Review

Holland America Line Rewards Visa Card is a rewards credit card issued by Barclays Bank. If you're wondering whether Holland America Line Rewards Visa Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
• Signup bonus. Offers a signup bonus of 5000 points after spending $1 that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. Holland America Line Rewards Visa Card has a variable purchase APR that ranges from 15.49% up to 25.49%.
• 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. Holland America Line Rewards Visa Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
• $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
• Good or better credit required. You should probably try with another card if your credit score is below 680.

Holland America Line Rewards Visa Card Pros and Cons:

The Good

The Bad

5000 sign up bonus points after your first purchase or balance transfer of any amount. Points can be redeemed for Holland America cruise packages, hotel stays, car rentals and gift cards. Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 15 months. No annual fee. Access to a concierge. No foreign transaction fee. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. Holland America Line Rewards Visa Card reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.

There is no cash back option. Limited options for point redemption. Points value is generally worthwhile only for frequent Holland America cruisers. Requires good to excellent credit. Charges a 3% balance transfer fee. Does not include many credit card rewards.

Is there a Holland America Line Rewards Visa Card cash back or rewards program?

Holland America Line Rewards Visa Card offers a rewards program to its customers.

Holland America Line Rewards Visa Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	2%
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	5000
Signup Bonus Spend Requirement	$1

What are the Holland America Line Rewards Visa Card benefits?

Holland America Line Rewards Visa Card provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Holland America Line Rewards Visa 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. Holland America Line Rewards Visa Card has lower than average purchase APRs.

Holland America Line Rewards Visa Card has a variable purchase APR that ranges from 15.49% up to 25.49%. The card has a variable balance transfer APR that ranges from 15.49% up to 25.49%. It also has a variable cash advance APR of 26.74% .

What are the fees for Holland America Line Rewards Visa Card?

The following fees apply to Holland America Line Rewards Visa Card:

Holland America Line Rewards Visa Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $39
Late Payment Fee	up to $39

Does Holland America Line Rewards Visa Card report your account activity to credit bureaus?

Holland America Line Rewards Visa 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 Holland America Line Rewards Visa Card

• Visit the Holland America Line Rewards Visa 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.