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Royal Caribbean® Visa Signature® Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
13.99% ‐ 23.99% (Variable)
Balance Transfer
13.99% ‐ 23.99% (Variable)
1 - 2 points
Signup Bonus

Informr score
The Royal Caribbean® Visa Signature® Credit Card currently has an Informr score of 6.8 out of 10. This score is based on our evaluation of 6 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Royal Caribbean® Visa Signature® Credit Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Royal Caribbean Visa Signature card may be useful for people who frequently cruise with Royal Caribbean, Celebrity Cruises, or Azamara. It doesn't charge an annual fee or foreign transaction fees, and the 10,000 MyCruise points bonus for making a transaction in the first 90 days could help pay f...

- Lance Cothern, Investopedia

Getting the Royal Caribbean Visa Signature Credit Card makes sense only if you’re the cruising kind and use the services of Royal Caribbean, Celebrity Cruises or Azamara Club. Otherwise, you’ll find better rewards credit cards — overall and brand specific — out there.

- Finder team, Finder

The Royal Caribbean Visa Signature is a solid no-fee rewards card for anyone who regularly vacations with Royal Caribbean or its sister brands, Celebrity Cruises and Azamara Club Cruises.

- Caroline Lupini, RewardExpert

Instead of getting the Royal Caribbean card, there are better alternative travel credit cards that are worth looking into. The Chase Sapphire Preferred earns 2x back on travel, and the Discover It card offers discounts on cruises.

- AskSebby

Outside of its welcome bonus, the Royal Caribbean credit card has no outstanding features or rewards. Most individuals will be better off with a 2% cash back credit card or a travel rewards card.

- Robert Harrow, ValuePenguin


Interest Rates
Regular APR Interest Rate 13.99% ‐ 23.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 13.99% ‐ 23.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 16.99% ‐ 26.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $10

Cash Advance Fee 3%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus
  • Get 10,000 MyCruise points after making a transaction within 65 days of account opening - enough for a $100 onboard credit.
  • $50 Air2Sea Airfare Discount after making at least $3,500 in purchases with your Visa Signature card within the first 90 days of account opening.
All Purchases 1 point per $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel 2 points per $1 spent

Spent on qualifying purchases with Royal Caribbean and our sister brands, Celebrity Cruises and Azamara Club Cruises.

Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards No
Additional Benefits
  • Online Shopping Security
  • Overdraft Protection
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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