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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

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 16.99% - 24.99%
Balance Transfer APR  (Variable APR) 16.99% - 24.99%
Credit Score Range 660 - 850

Royal Caribbean® Visa Signature® Credit Card Review

Royal Caribbean® Visa Signature® Credit Card is a rewards credit card issued by Bank of America. 

This card is designed for people with fair credit. The minimum credit score to apply is 660. 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.

Pros & Cons of Royal Caribbean® Visa Signature® Credit Card
The Good The Bad
  • No annual fee.
  • Multiple credit card perks.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Extended warranty protection on purchases.
  • Free access to your credit score.
  • Purchase Protection.
  • Travel Assistance.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • $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.
  • 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
  • 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
    Rewards rate (all purchases) 1%
    Max rewards rate 2%
    Annual rewards limit N/A
    Signup Bonus ($) 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 16.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 16.99% up to 24.99%. It also has a variable cash advance APR that ranges from 19.99% 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 introductory APR offer?

    No, Royal Caribbean® Visa Signature® Credit Card does not come with an introductory APR offer for balance transfers. Royal Caribbean® Visa Signature® Credit Card does not offer an introductory rate on new purchases.
    Royal Caribbean® Visa Signature® Credit Card Balance Transfers
    Description
    Balance Transfer APR 16.99% - 24.99%
    Introductory Rate N/A
    Intro APR period (months) N/A
    Royal Caribbean® Visa Signature® Credit Card Rates & Terms
    Description
    Balance Computation average daily balance (including new purchases).
    Purchase APR 16.99% - 24.99%
    Credit Limit N/A
    Penalty APR 29.99%
    Cash Advance APR 19.99% - 26.99%
    Security Deposit N/A
    Introductory Rate N/A
    Intro APR period (months) N/A

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

    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%
    Balance Transfer Fee 3%
    Minimum Balance Transfer Fee $10
    Returned Payment Fee $28
    Late Payment Fee $39

    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 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.

    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...

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      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

    Annual Fee $0
    Foreign Currency Transaction Fee 0%
    No Foreign Transaction Fee  
    No Interest Grace Period for Late Payment 25
    Balance Transfer Fee % 3%
    Balance Transfer Fee Minimum $10
    Cash Advance Fee (%) 3%
    Cash Advance Fee Minimum $10
    Late Fee Amount $39
    Minimum Interest Charge $1.50
    Returned Payment Fee $28
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    • Tax Returns
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Extended Warranty Protection
    • Fraud Liability
    • Free Credit Score
    • Purchase Protection
    • Travel Assistance
    Extended Warranty  
    Fraud Liability  
    Free FICO Score  
    Bonus Rewards Get 10,000 MyCruise® points after making a transaction within the first 90 days of account opening
    Every Purchase 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.
    No Blackout Dates  
    Rewards Categories
    • Every Purchase
    • Travel
    Signup Bonus (points) 10,000
    Cash Advance APR (Variable APR) 19.99% - 26.99%
    Purchase APR (Variable APR) 16.99% - 24.99%
    Balance Computation average daily balance (including new purchases).
    Penalty APR 29.99%
    Balance Transfer APR (Variable APR) 16.99% - 24.99%

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