Last Updated: 07/28/2025
Royal Caribbean® Visa Signature® Credit Card
Unaffiliated
in Credit Cards from Bank of America
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
13.99% - 23.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
13.99% - 23.99%(Verified 06/21/2024)
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Credit Score Range
500 - 750
Annual Fee
$0
Royal Caribbean® Visa Signature® Credit Card Review
This is a travel 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.
Key Takeaways
- Welcome offer. Offers a signup bonus of 10000 points that can be redeemed for travel, gifts, or other perks.
- APRs: Royal Caribbean® Visa Signature® Credit Card has a variable regular 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.
- A 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 Auto Rental Collision Damage Waiver, extended warranty protection on purchases, purchase security, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Royal Caribbean® Visa Signature® Credit Card
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Royal Caribbean® Visa Signature® Credit Card FAQ
Does Royal Caribbean® Visa Signature® Credit Card have a cash back or rewards program?
Royal Caribbean® Visa Signature® Credit Card is a travel rewards card.
| Description |
Does Royal Caribbean® 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 Royal Caribbean® Visa Signature® Credit Card offer an annual loyalty bonus?
This 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
- Reports to major credit bureaus
What are the relevant APRs for Royal Caribbean® Visa Signature® Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Royal Caribbean® Visa Signature® Credit Card 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 that ranges from 16.99% 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.Does Royal Caribbean® 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 Royal Caribbean® 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 Royal Caribbean® Visa Signature® Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Royal Caribbean® 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 Royal Caribbean® Visa Signature® Credit Card?
The customer service number for Royal Caribbean® Visa Signature® Credit Card is (800) 932-2775.
What is the support contact email for Royal Caribbean® Visa Signature® Credit Card?
The support contact email for Royal Caribbean® Visa Signature® Credit Card is customerservicealert@bankofamerica.com.
What is the login page for Royal Caribbean® Visa Signature® Credit Card?
You can access the login page of Royal Caribbean® Visa Signature® Credit Card here.
How do people rate the customer service and user experience of Royal Caribbean® Visa Signature® Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Royal Caribbean® Visa Signature® Credit Card report your account activity to credit bureaus?
Yes, Royal Caribbean® Visa Signature® Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Bank of America perform a hard credit pull?
Yes, Royal Caribbean® Visa Signature® Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Royal Caribbean® Visa Signature® Credit Card
- Visit the website of Royal Caribbean® Visa Signature® Credit Card.
- 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.
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