Royal Caribbean Visa Signature®: Cruise Rewards That Go Further

Turn everyday spending into unforgettable cruise experiences.

The Royal Caribbean Visa Signature® Credit Card is designed for travelers who love cruising and want their everyday purchases to contribute directly toward future vacations at sea. Instead of generic travel perks, this card focuses on what matters most to Royal Caribbean fans: cruise credits, onboard value, and rewards that feel immediately relevant.

By combining a generous welcome offer, accelerated rewards on cruise purchases, and practical everyday earning, this card transforms routine spending into real cruise benefits. Whether you’re planning your next sailing or simply earning rewards between trips, the Royal Caribbean® Visa Signature® Credit Card delivers a clear, cruise-focused value proposition.

Benefits and Rewards: Full Breakdown

The Royal Caribbean Visa Signature® Credit Card offers a rewards structure centered on cruise spending, while still providing value for everyday purchases.

Welcome Bonus in Onboard Credit

New cardmembers can earn 30,000 MyCruise® bonus points, equivalent to $300 in onboard credit, after spending $1,000 on eligible purchases within the first 90 days of account opening.

Key Benefits, Protections, and Travel Assistance

• Enhanced Cruise Rewards – Earn 2 MyCruise® Points per $1 on qualifying purchases with Royal Caribbean®, Celebrity Cruises®, and Silversea®, maximizing value on cruise-related spending.
• Everyday Earning Power – Earn 1 point per $1 on all other eligible purchases, turning daily spending into future cruise rewards.
• Flexible Redemption Options – Redeem points for onboard credit, stateroom upgrades, and cruise vacations across Royal Caribbean and its sister brands.
• No Annual Fee & No Foreign Transaction Fees – Enjoy the card with no annual fee and zero foreign transaction fees, ideal for international travel and port expenses.
• Contactless Chip Technology – Pay quickly and securely with a contactless chip card for a smooth, touch-free payment experience.
• Visa Signature® Travel Protections – Access valuable benefits such as travel and emergency assistance services, auto rental collision damage coverage, baggage delay and loss protection, and purchase security (terms and conditions apply).
• Concierge & Assistance Services – Benefit from Visa Signature® Concierge services, offering support with travel planning, dining reservations, and special experiences.
• Exclusive Online Offer – This promotion is available online only and may not be accessible elsewhere when you apply directly through this page.

All benefits are subject to terms, conditions, and eligibility requirements. Offer availability and features may change over time.

Rates, Fees, and Key Costs

Below is a clear and objective overview of the main rates and fees associated with the Royal Caribbean Visa Signature® Credit Card.

Fee or Rate	Details
Annual Fee	$0
Purchase APR	Variable APR
Balance Transfer APR	Variable APR
Foreign Transaction Fee	None
Late Payment Fee	Standard fee applies
Returned Payment Fee	Standard fee applies

With no annual fee and no foreign transaction fees, this card remains cost-effective for both domestic and international travel, especially for cruise bookings outside the U.S.

Eligibility and How to Apply

Eligibility Requirements

Approval for the Royal Caribbean Visa Signature® Credit Card generally depends on:

• A good to excellent credit profile
• Stable income and ability to repay
• Accurate personal and financial information
• Issuer underwriting criteria

Applicants with established credit histories typically have stronger approval odds.

How to Apply

Applying for the card is straightforward:

1. Visit the official Royal Caribbean® Visa Signature® Credit Card application page.
2. Complete the online application with your personal and financial details.
3. Submit the application for review.
4. Receive a decision, often within minutes.
5. Upon approval, activate your card and begin earning rewards.

Once approved, the card can be used immediately for eligible purchases, including cruise bookings.

Frequently Asked Questions

1. What can rewards be used for?

Rewards are redeemed as statement credits toward qualifying Royal Caribbean purchases, including cruise fares and related expenses.

2. Does the card charge an annual fee?

No. The Royal Caribbean® Visa Signature® Credit Card has no annual fee.

3. Are there foreign transaction fees?

No. Purchases made outside the United States do not incur foreign transaction fees.

4. Is this card useful for non-cruise spending?

Yes. While cruise purchases earn the most rewards, dining, travel, and everyday purchases still earn rewards.

5. Is this card worth it for occasional cruisers?

It can be, especially for travelers who plan at least one Royal Caribbean cruise and want a simple way to earn statement credits without paying an annual fee.

Conclusion: A Smart Card for Cruise-Focused Travelers

The Royal Caribbean Visa Signature® Credit Card is built for travelers who want their credit card rewards to align directly with their vacation style. With a strong welcome offer, elevated rewards on cruise purchases, and no annual or foreign transaction fees, it delivers clear value for Royal Caribbean enthusiasts.

Instead of juggling complex points systems, this card offers straightforward statement credits that reduce the cost of future cruises. For travelers who see cruising as their preferred way to explore the world, the Royal Caribbean® Visa Signature® Credit Card provides a simple, effective, and rewarding path to better vacations at sea.