Holland America Line Rewards Visa Card Review

This 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 review will provide you with with all the details you need to make a good choice.

• 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 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 13.99% up to 23.99%.
• 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 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
• 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.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

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 their purchases. Holland America Line Rewards Visa Card reports to multiple credit bureaus.

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

Does Holland America Line Rewards Visa Card have a cash back or rewards program?

Holland America Line Rewards Visa Card is a travel rewards card.

Holland America Line Rewards Visa Card Rewards

Minimum rewards rate	1x
Max rewards rate	2x
Annual rewards limit	N/A
Signup Bonus (Points/Miles)	5000

What are the Holland America Line Rewards Visa Card benefits?

It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 13.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 23.99%. It also has a variable cash advance APR of 25.24% .

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

The following fees apply:

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

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

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

Yes, 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 may help improve your credit.

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