Royal Caribbean® Visa Signature® Credit Card

Royal Caribbean® Visa Signature® Credit Card Review

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

• 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 13.99% up to 23.99%.
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, 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 and fraud protection.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

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 Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Considers applicants with fair credit. No foreign transaction fee. Royal Caribbean® Visa Signature® Credit Card reports to multiple credit bureaus.	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 offer rewards or cash back. You don't earn rewards on every purchase. Charges a 3% balance transfer fee.

Does Royal Caribbean® Visa Signature® Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

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

It provides the following benefits:

• No blackout dates when redeeming miles
• 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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.

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

The following fees apply:

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

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

Does Royal Caribbean® Visa Signature® Credit Card report your account activity to credit bureaus?

Yes, Royal Caribbean® Visa Signature® Credit Card reports your account activity to the following credit reporting agencies:

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 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.