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While cruise tourism took a major hit during the pandemic, it’s bounced back recently. According to a recent report by the Cruise Lines International Association, passenger volume is forecasted to increase to 120% of 2019 levels in 2024.
If you’re an avid cruiser, the right credit card could help offset your costs when you set sail. The Celebrity Cruises Visa Signature® card is one option worth considering if you’re looking to earn rewards from your voyages. Here’s what to know about this card, its features, perks, and who it’s best for.
Celebrity Cruises Visa Signature® Card
- Annual fee$0
- Welcome offerEarn 30,000 MyCruise® bonus points after spending at least $1,000 in the first 90 days (worth $300 in onboard credits)
- Card type(s)Travel
- Purchase APR18.24% - 28.24% variable
- Rewards rate
- 2x MyCruise® points on qualifying purchases with Celebrity Cruises, Royal Caribbean, and Silversea
- 1x points on all other purchases
- Benefits
- Redeem your points toward cruise upgrades, discounts, cruise vacations, and onboard credits
- No annual fee or foreign transaction fees
Additional benefits
Frequent cruisers can put this card’s other notable perks to good use. Cardholders that spend at least $10,000 annually will earn a 10,000 anniversary bonus each year. You can also receive a 10% discount on premium beverage packages and private shore excursions.
You won’t pay foreign transaction fees as a Celebrity Cruises Visa Signature cardholder, which can help you keep more cash in your pocket if you often travel internationally. Additional card benefits are relatively standard and include $0 fraud liability, account alerts, digital wallet accessibility, and free FICO scores via mobile app.
Who is the Celebrity Cruises Visa Signature best for?
This card is best for travelers who enjoy cruises and are particularly loyal to Celebrity or Royal Caribbean. If you prefer traveling on land or frequent another cruise line, it’s likely not the best option for your wallet.
But those who love these brands and take cruises fairly frequently could benefit from earning this card’s welcome offer, rewards, and discounts — especially considering the fact that this card doesn’t charge an annual fee.
Celebrity Cruises Visa Signature pros
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No annual fee or foreign transaction fees
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Option to earn a welcome bonus
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Increased rewards for Celebrity Cruise and Royal Caribbean spending
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Discounts on cruise amenities
Celebrity Cruises Visa Signature cons
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Regular APR applies immediately
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Can’t use rewards for general travel expenses
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Maximum rewards rate is only 2x points
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Upgrades are subject to availability
Where can you use Celebrity Cruises Visa Signature?
As its name indicates, this is a Visa card. Since Visa cards are accepted in over 200 global territories and countries, you can use your card almost anywhere.
How to make a Celebrity Cruises Visa Signature payment
You can pay your monthly bill through the following channels:
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Online by logging into the mobile app or website
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By phone: 800.236.6497
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By mail:
PO Box 15019
Wilmington, DE 19850-5019 -
In person at a local Bank of America branch
Celebrity Cruises Visa Signature customer service info
If you have questions or concerns about your card, you can reach the Bank of America customer service team through your Celebrity Cruise Visa Signature online dashboard or via phone at 1.757.677.4701. Representatives are available for phone calls 24/7.
Alternative cards to consider
The Celebrity Cruises Visa Signature may be right for you if you enjoy cruise tourism and are loyal to the Celebrity and Royal Caribbean brands. That said, it’s not the best card for everyone. These alternative travel cards could work if it doesn’t sound like the right option for you.
The New United Gateway℠ Card
- Annual fee$0
- Welcome offerEarn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open
- Card type(s)Travel, Airline
- Introductory Purchases APR0% Intro APR on Purchases for 12 months
- Ongoing Purchases APR20.49% - 28.99% Variable
- Recommended credit scoreExcellent, Good
- Rewards rate
- 2x miles on United® purchases, at gas stations, and on local transit and commuting
- 1x miles on all other purchases
- Benefits
- $0 annual fee
- Earn 2 free checked bags after you spend $10,000 on your card in a calendar year
- 25% back as a statement credit on food, beverage, and Wi-Fi purchases on United-operated flights and on Club premium drinks
Why we like it: If you prefer traveling by air and are a loyal United customer, the United Gateway card is worth considering. This card features a solid welcome bonus and broad spending categories are useful, too. With no annual fee, this card is well-suited for even occasional United flyers.
Read more: United Gateway Card review
Capital One Venture Rewards Credit Card
- Annual fee$95
- Welcome offerEarn 75,000 miles after spending $4,000 on purchases in the first 3 months, plus a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel
- Card type(s)Travel
- Purchase APR19.99% - 29.24% variable
- Recommended credit scoreGood, Excellent
- Rewards rate
- 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 2x miles on all other purchases
- Benefits
- Receive up to a $120 statement credit for Global Entry or TSA Precheck application fees
- Receive a $50 experience credit, room upgrades, and early check-in at eligible hotels
- Access Hertz's Five Star membership tier, offering free upgrades, a wider selection of vehicles, and more
Why we like it: The Capital One Venture Rewards Credit Card is another great option if you’re looking for a card that could help you offset more general travel purchases. This card’s reward structure is fairly straightforward compared to some competitors, and you can redeem your rewards for trips through Capital One Travel, travel with over 15 partners, gift cards, merchandise, and more.
Read more: Capital One Venture Rewards Credit Card review
Chase Sapphire Preferred® Card
- Annual fee$95
- Welcome offerEnding soon: Earn 100,000 bonus points after spending $5,000 in the first 3 months
- Card type(s)Travel
- Ongoing Purchases APR19.99% - 28.24% Variable
- Recommended credit scoreExcellent/Good
- Rewards rate
- 5x points on travel purchased through Chase Travel℠
- 3x points on dining, select streaming services, and online groceries
- 2x points on all other travel purchases
- 1x points on all other purchases
- Benefits
- Points are worth 25% more when you redeem for airfare, hotels, car rentals and cruises through Chase Travel
- Earn up to $50 in annual statement credits for hotel stays purchased through Chase Travel
- On every account anniversary, earn bonus points equal to 10% of your total purchases made the previous year
Why we like it: The Chase Sapphire Preferred Card is very popular, and with good reason. Points are worth 25% more when redeemed for travel through Chase, offering significantly more in potential value.
Besides a generous welcome offer, many cardholders will find it easy to rack up points with its everyday spending categories in common categories.
Read more: Chase Sapphire Preferred review
This article was edited by Alicia Hahn
Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to the author(s) and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn't include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.
