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Earn 2X points on Celebrity, Royal Caribbean, and Silversea with no annual fee
Earn 2X MyCruise points on Celebrity Cruises, Royal Caribbean, and Silversea bookings, plus 1X on all other purchases with $0 annual fee. Get $300 in onboard credit from the welcome bonus and 10% discounts on beverages and shore excursions. Visa Signature perks like concierge and rental car coverage add $500+ in travel protection value.
$0
Annual Fee
30,000
points · Welcome Bonus
2X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Celebrity Cruises
Credit Required
Good to Excellent
30,000
points
Earn 30,000 MyCruise bonus points after you spend $1,000 in your first 90 days. Bank of America values these points at $300 in onboard credit—enough for onboard beverages, specialty dining, shore excursions, or cabin upgrades on an upcoming cruise. Spend naturally on cruise deposits and pre-cruise expenses to meet the requirement.
2X
2 MyCruise points for every $1 spent on qualifying purchases with Celebrity Cruises®
2X
2 MyCruise points for every $1 spent on qualifying purchases with Royal Caribbean®
2X
2 MyCruise points for every $1 spent on qualifying purchases with Silversea®
Earn 2 points per dollar on Celebrity Cruises bookings through any channel. Points apply to fares, deposits, payments, and onboard packages. Combine with the 10,000-point anniversary bonus to accelerate earning toward free cruises.
Book a $3,500 cruise: earn 7,000 points ($70 credit). Add anniversary bonus and discounts for $170+ value from one cruise.
Earn 2 points per dollar on all Royal Caribbean cruise bookings including deposits, final payments, and onboard package pre-purchases. Points redeem for onboard credit at Royal Caribbean, making them immediately valuable without needing external transfer partners.
Spend $2,000 annually on RC cruises: earn 4,000 points ($40 in onboard credit) plus anniversary bonus and shipboard discounts.
Earn 2 points per dollar on Silversea ultra-luxury cruise bookings, from 7-day voyages to extended world cruises. Points earn at the same 2X rate regardless of cruise length or destination, making them equally valuable for expedition cruises and luxury itineraries.
Book a $5,000+ Silversea voyage: earn 10,000+ points ($100 value) plus 10% excursion discounts at premium destinations.
Earn 1 point per dollar on non-cruise spending—groceries, gas, dining, travel outside cruise lines. No category caps or quarterly activation required. Points contribute to the $10,000 annual spend threshold for the 10,000-point anniversary bonus.
Spend $5,000 annually outside cruise bookings: earn 5,000 points ($50 value) plus progress toward anniversary bonus threshold.
Benefits & Perks
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| U.S. News | |||
| Forbes Advisor | 2.5/5 |
The Celebrity Cruises Visa rewards cruise-focused travelers with 2X points on three major cruise lines and a no-annual-fee structure. The $300 welcome bonus, 10% shipboard discounts, and 10,000-point anniversary bonus provide immediate value. Best for cruisers who book directly with Celebrity, Royal Caribbean, or Silversea at least once per year.
Details & Terms
| Purchase APR | 17.49%–27.49% (Variable) |
| Foreign Transaction Fee | $0 |
Earn 2X points on Celebrity, Royal Caribbean, and Silversea with no annual fee
Earn 2X MyCruise points on Celebrity Cruises, Royal Caribbean, and Silversea bookings, plus 1X on all other purchases with $0 annual fee. Get $300 in onboard credit from the welcome bonus and 10% discounts on beverages and shore excursions. Visa Signature perks like concierge and rental car coverage add $500+ in travel protection value.
$0
Annual Fee
30,000
points · Welcome Bonus
2X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Celebrity Cruises
Credit Required
Good to Excellent
30,000
points
Earn 30,000 MyCruise bonus points after you spend $1,000 in your first 90 days. Bank of America values these points at $300 in onboard credit—enough for onboard beverages, specialty dining, shore excursions, or cabin upgrades on an upcoming cruise. Spend naturally on cruise deposits and pre-cruise expenses to meet the requirement.
2X
2 MyCruise points for every $1 spent on qualifying purchases with Celebrity Cruises®
2X
2 MyCruise points for every $1 spent on qualifying purchases with Royal Caribbean®
2X
2 MyCruise points for every $1 spent on qualifying purchases with Silversea®
Earn 2 points per dollar on Celebrity Cruises bookings through any channel. Points apply to fares, deposits, payments, and onboard packages. Combine with the 10,000-point anniversary bonus to accelerate earning toward free cruises.
Book a $3,500 cruise: earn 7,000 points ($70 credit). Add anniversary bonus and discounts for $170+ value from one cruise.
Earn 2 points per dollar on all Royal Caribbean cruise bookings including deposits, final payments, and onboard package pre-purchases. Points redeem for onboard credit at Royal Caribbean, making them immediately valuable without needing external transfer partners.
Spend $2,000 annually on RC cruises: earn 4,000 points ($40 in onboard credit) plus anniversary bonus and shipboard discounts.
Earn 2 points per dollar on Silversea ultra-luxury cruise bookings, from 7-day voyages to extended world cruises. Points earn at the same 2X rate regardless of cruise length or destination, making them equally valuable for expedition cruises and luxury itineraries.
Book a $5,000+ Silversea voyage: earn 10,000+ points ($100 value) plus 10% excursion discounts at premium destinations.
Earn 1 point per dollar on non-cruise spending—groceries, gas, dining, travel outside cruise lines. No category caps or quarterly activation required. Points contribute to the $10,000 annual spend threshold for the 10,000-point anniversary bonus.
Spend $5,000 annually outside cruise bookings: earn 5,000 points ($50 value) plus progress toward anniversary bonus threshold.
Benefits & Perks
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| U.S. News | |||
| Forbes Advisor | 2.5/5 |
The Celebrity Cruises Visa rewards cruise-focused travelers with 2X points on three major cruise lines and a no-annual-fee structure. The $300 welcome bonus, 10% shipboard discounts, and 10,000-point anniversary bonus provide immediate value. Best for cruisers who book directly with Celebrity, Royal Caribbean, or Silversea at least once per year.
Details & Terms
| Purchase APR | 17.49%–27.49% (Variable) |
| Foreign Transaction Fee | $0 |
Earn 2X points on Celebrity, Royal Caribbean, and Silversea with no annual fee
Earn 2X MyCruise points on Celebrity Cruises, Royal Caribbean, and Silversea bookings, plus 1X on all other purchases with $0 annual fee. Get $300 in onboard credit from the welcome bonus and 10% discounts on beverages and shore excursions. Visa Signature perks like concierge and rental car coverage add $500+ in travel protection value.
$0
Annual Fee
30,000
points · Welcome Bonus
2X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Celebrity Cruises
Credit Required
Good to Excellent
30,000
points
Earn 30,000 MyCruise bonus points after you spend $1,000 in your first 90 days. Bank of America values these points at $300 in onboard credit—enough for onboard beverages, specialty dining, shore excursions, or cabin upgrades on an upcoming cruise. Spend naturally on cruise deposits and pre-cruise expenses to meet the requirement.
2X
2 MyCruise points for every $1 spent on qualifying purchases with Celebrity Cruises®
2X
2 MyCruise points for every $1 spent on qualifying purchases with Royal Caribbean®
2X
2 MyCruise points for every $1 spent on qualifying purchases with Silversea®
Earn 2 points per dollar on Celebrity Cruises bookings through any channel. Points apply to fares, deposits, payments, and onboard packages. Combine with the 10,000-point anniversary bonus to accelerate earning toward free cruises.
Book a $3,500 cruise: earn 7,000 points ($70 credit). Add anniversary bonus and discounts for $170+ value from one cruise.
Earn 2 points per dollar on all Royal Caribbean cruise bookings including deposits, final payments, and onboard package pre-purchases. Points redeem for onboard credit at Royal Caribbean, making them immediately valuable without needing external transfer partners.
Spend $2,000 annually on RC cruises: earn 4,000 points ($40 in onboard credit) plus anniversary bonus and shipboard discounts.
Earn 2 points per dollar on Silversea ultra-luxury cruise bookings, from 7-day voyages to extended world cruises. Points earn at the same 2X rate regardless of cruise length or destination, making them equally valuable for expedition cruises and luxury itineraries.
Book a $5,000+ Silversea voyage: earn 10,000+ points ($100 value) plus 10% excursion discounts at premium destinations.
Earn 1 point per dollar on non-cruise spending—groceries, gas, dining, travel outside cruise lines. No category caps or quarterly activation required. Points contribute to the $10,000 annual spend threshold for the 10,000-point anniversary bonus.
Spend $5,000 annually outside cruise bookings: earn 5,000 points ($50 value) plus progress toward anniversary bonus threshold.
Benefits & Perks
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| U.S. News | |||
| Forbes Advisor | 2.5/5 |
The Celebrity Cruises Visa rewards cruise-focused travelers with 2X points on three major cruise lines and a no-annual-fee structure. The $300 welcome bonus, 10% shipboard discounts, and 10,000-point anniversary bonus provide immediate value. Best for cruisers who book directly with Celebrity, Royal Caribbean, or Silversea at least once per year.
Details & Terms
| Purchase APR | 17.49%–27.49% (Variable) |
| Foreign Transaction Fee | $0 |
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Protected from fraudulent charges with Bank of America's $0 Liability Guarantee and proactive fraud monitoring.
Link your Bank of America checking account to your card for automatic overdraft protection with no transfer fees.
Now, when you opt-in you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
Official card page with current offers, benefits overview, and application link
Complete rewards redemption chart showing all 25 reward levels from 1,000 to 360,000+ points
Comprehensive guide comparing all cruise line credit cards including Celebrity Cruises card
Detailed review with rates, fees, tips for maximizing rewards, and editor's take on best use cases
Overview of benefits, pros/cons, and alternative card comparisons for cruise enthusiasts
Aggregated rating of 6.6/10 based on evaluation of multiple sources
Points enthusiast perspective on card value vs general travel rewards cards
Positive cardholder experience sharing actual onboard credit redemption and value received
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Protected from fraudulent charges with Bank of America's $0 Liability Guarantee and proactive fraud monitoring.
Link your Bank of America checking account to your card for automatic overdraft protection with no transfer fees.
Now, when you opt-in you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
Official card page with current offers, benefits overview, and application link
Complete rewards redemption chart showing all 25 reward levels from 1,000 to 360,000+ points
Comprehensive guide comparing all cruise line credit cards including Celebrity Cruises card
Detailed review with rates, fees, tips for maximizing rewards, and editor's take on best use cases
Overview of benefits, pros/cons, and alternative card comparisons for cruise enthusiasts
Aggregated rating of 6.6/10 based on evaluation of multiple sources
Points enthusiast perspective on card value vs general travel rewards cards
Positive cardholder experience sharing actual onboard credit redemption and value received
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Protected from fraudulent charges with Bank of America's $0 Liability Guarantee and proactive fraud monitoring.
Link your Bank of America checking account to your card for automatic overdraft protection with no transfer fees.
Now, when you opt-in you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
Official card page with current offers, benefits overview, and application link
Complete rewards redemption chart showing all 25 reward levels from 1,000 to 360,000+ points
Comprehensive guide comparing all cruise line credit cards including Celebrity Cruises card
Detailed review with rates, fees, tips for maximizing rewards, and editor's take on best use cases
Overview of benefits, pros/cons, and alternative card comparisons for cruise enthusiasts
Aggregated rating of 6.6/10 based on evaluation of multiple sources
Points enthusiast perspective on card value vs general travel rewards cards
Positive cardholder experience sharing actual onboard credit redemption and value received
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
