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  Royal Caribbean® Visa Signature® Credit Card

Royal Caribbean® Visa Signature® Credit Card

in Personal Credit Cards from Bank of America

Unaffiliated

Royal Caribbean® Visa Signature® Credit Card

Unaffiliated

in Personal Credit Cards from Bank of America

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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Purchase APR  (Variable APR) 16.49% - 24.49%
Balance Transfer APR  (Variable APR) 16.49% - 24.49%
Credit Score Range 660 - 850
Annual Fee $0

Royal Caribbean® Visa Signature® Credit Card Review

Royal Caribbean® Visa Signature® Credit Card is a rewards credit card issued by Bank of America. If you're wondering whether Royal Caribbean® Visa Signature® Credit Card is the right card for you, read on. This is everything you need to know 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. Royal Caribbean® 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. Royal Caribbean® 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, purchase protection, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above660.
Royal Caribbean® Visa Signature® Credit Card Pros & Cons
The Good The Bad
  • $50 Discount on Royal Caribbean's Air2Sea program after making at least $3,500 in card purchases within the first 90 days of account opening
  • 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 Royal Caribbean® Visa Signature® Credit Card is accepted.
  • Students are not eligible for getting $50 discount on Royal Caribbean's Air2Sea program after making at least $3,500 in card purchases within the first 90 days of account opening
  • Does not report to credit bureaus.
  • Charges a 3% balance transfer fee.
Royal Caribbean® Visa Signature® Credit Card FAQ

Is there a Royal Caribbean® Visa Signature® Credit Card cash back or rewards program?

Royal Caribbean® Visa Signature® Credit Card offers a rewards program to its customers.

Royal Caribbean® 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 Royal Caribbean® Visa Signature® Credit Card have a signup bonus?

Royal Caribbean® Visa Signature® Credit 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 Royal Caribbean® Visa Signature® Credit Card offer an annual loyalty bonus?

Royal Caribbean® Visa Signature® Credit Card doesn't offer a cash loyalty bonus.

What are the Royal Caribbean® Visa Signature® Credit Card benefits?

Royal Caribbean® 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

What are the relevant APRs for Royal Caribbean® 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.

Royal Caribbean® Visa Signature® Credit Card 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 Royal Caribbean® Visa Signature® Credit Card have an introductory APR offer on balance transfers?

No, Royal Caribbean® Visa Signature® Credit Card does not come with an introductory APR offer for balance transfers.

Does Royal Caribbean® Visa Signature® Credit Card have an introductory APR offer on new purchases?

Royal Caribbean® Visa Signature® Credit Card does not offer an introductory rate on new purchases.

What are the fees for Royal Caribbean® Visa Signature® Credit Card?

The following fees apply to Royal Caribbean® Visa Signature® Credit Card:

Royal Caribbean® 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

Does Royal Caribbean® Visa Signature® Credit Card have a foreign transaction fee?

Royal Caribbean® Visa Signature® Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

How to apply for Royal Caribbean® Visa Signature® Credit Card

  • Visit the Royal Caribbean® 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 Royal Caribbean® and our sister brands, Celebrity Cruises® 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 $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) 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 660 - 850
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Purchase Protection
  • 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

Royal Caribbean® Visa Signature® Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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