Royal Caribbean Credit Card

Royal Caribbean Royal Caribbean Loyalty & Membership

Posted by prabesh on 2025-05-06 11:06:15 |

Royal Caribbean Credit Card: Key Features

1. Rewards Structure

10,000 Bonus Points: Earn after $1, 000 s p e n d i n f i r s t 90 d a y s ($ 100 toward cruises).
2x Points: On Royal Caribbean purchases (cruises, drink packages, excursions).
1x Points: On all other spending.

2. Redemption Options

Cruise Discounts: 1 point = 1 cent toward Royal Caribbean bookings.
Onboard Credits: Redeem points for drinks, dining, or Wi-Fi.
Cash Back: 1 point = 0.5 cents (not recommended).

3. Exclusive Perks

Complimentary Specialty Dining: Earn 25,000 points for a free meal at Chops Grille.
Priority Boarding: For cardholders on select sailings.
Double Points Days: Seasonal promotions (e.g., 4x points on groceries).

4. Fees

Annual Fee: $0
Foreign Transaction Fee: 3%
APR: 20.24%-29.24% variable

How to Earn 100,000+ Points

1. Everyday Spending Strategies

Category	Monthly Spend	Annual Points
Royal Caribbean Purchases	$500	12,000
Groceries	$600	7,200
Gas	$200	2,400
Total	$1,300/month	21,600

Pro Tip: Use the card for pre-cruise purchases (excursions, drink packages) to maximize 2x points.

2. Bonus Opportunities

Referral Bonuses: 5,000 points per referral (up to 50,000/year).
Double Points Promos: Watch for emails targeting dining or retail categories.

3. Combining with Crown & Anchor Society

Diamond Members: Earn 25% more points on purchases.
Suite Guests: Double points on onboard spending.

Redeeming Points for Maximum Value

**Best Redemption Options

Redemption	Points Required	Cash Value
$500 Cruise Discount	50,000	$500
$100 Onboard Credit	10,000	$100
Chops Grille Dinner	25,000	$75
Wi-Fi Package	15,000	$90

Worst Redemption: Cash back (50,000 points = $250).

Royal Caribbean Card vs Competitors

Feature	Royal Caribbean Visa	Chase Sapphire Preferred	Carnival FunPoints
Sign-Up Bonus	10k points ($100)	60k points ($750)	20k points ($200)
Cruise Rewards	2x points	2x on travel	2x on Carnival
Annual Fee	$0	$95	$0
Best For	Loyal Royal cruisers	Flexible travel rewards	Carnival fans

Verdict: The Royal Caribbean card shines for frequent cruisers, while the Chase Sapphire Preferred offers better overall travel value.

Step-by-Step: How to Apply

Check Credit Score: Minimum 670 recommended.
Apply Online: Visit Bank of America’s Royal Caribbean Card Page.
Instant Approval: Use card details immediately via digital wallet.

1. Stack with Promotions

“Kids Sail Free” Deals: Use points to cover taxes/fees.
Black Friday Sales: Book cruises with points + cash.

2. Avoid Foreign Transaction Fees

Use a no-FTF card like Capital One Venture for onboard spending in international waters.

3. Pay Off Balances Monthly

The 29.24% APR negates rewards if you carry debt.

User Reviews: Pros & Cons

Pros

“Paid for my entire drink package with points!” – Sarah, 4.8/5 stars
“Easy to redeem – no blackout dates.” – Mark, 4.5/5

Cons

“Low sign-up bonus compared to other cards.” – Jake, 3/5
“No free checked bags like airline cards.” – Linda, 3.5/5

Alternatives to Consider

1. Bank of America® Travel Rewards

1.5x Points on all spending
$0 Annual Fee
Better for non-Royal Caribbean travel

2. Celebrity Cruises Visa

2x Points on Celebrity/Azamara bookings
Free stateroom upgrades

FAQs

1. Can I use points for gratuities?

Yes – redeem for onboard credit to cover tips.

2. Do points expire?

No, as long as the account is open.

3. Can I transfer points to airlines?

No – points are only redeemable with Royal Caribbean.

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