Celebrity Cruises® Visa Signature® Credit Card
Bank of America Visa Signature Pending
17
Benefits2
Reward Categories2x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: celebrity-cruises-rewards-visa-signature-card
Issuer: Bank of America
Card Name: Celebrity Cruises® Visa Signature® Credit Card
Card Type: Credit
Network: Visa
Card Tier: Signature
Approved: Pending
Data Complete: Complete
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Celebrity Cruises & Royal Caribbean Purchases | 2x | Points | Purchases made directly with Celebrity Cruises® and Royal Caribbean®. | No Cap | |
| All Other Purchases | 1x | Points | All eligible purchases not categorized as Celebrity Cruises® or Royal Caribbean® purchases. | No Cap |
Rewards Summary
PENDINGReward Type: Celebrity Cruises Points
Base Rate: 1x
Bonus Rate: 3x
Categories: 3x Celebrity Cruises & Royal Caribbean purchases, 2x Airfare, Hotels & Restaurants
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: Points do not expire as long as the account is open and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Transfer Partners: None
Redemption Penalties: None
Benefits & Protections (Detailed) 17 Total
PENDINGFinancial 1
No Annual Fee
$0The card does not charge an annual fee for card membership.
Lifestyle 1
Concierge Services
24/7 assistanceProvides complimentary 24/7 personal assistance for travel planning, dining reservations, event tickets, and more.
Purchase Protection 2
Purchase Security
Up to $500 per claim, maximum $50,000 per cardholderProtects eligible new purchases against theft or damage for a specified period from the date of purchase.
Extended Warranty Protection
Up to one additional year, maximum $10,000 per claimExtends the manufacturer's original U.S. warranty by up to one additional year on eligible items purchased with your card.
Rewards 4
Welcome Offer Bonus Points
20,000 bonus pointsEarn 20,000 bonus points after you make at least $1,000 in purchases in the first 90 days of account opening.
Accelerated Earning on Cruise Purchases
2 points per $1Earn 2 points per $1 spent on Celebrity Cruises® and Royal Caribbean® purchases.
Standard Earning Rate
1 point per $1Earn 1 point per $1 spent on all other purchases.
Points Redemption for Cruise Savings
Varies by redemption optionRedeem earned points for Celebrity Cruises® savings, upgrades, onboard credits, and more.
Travel 4
No Foreign Transaction Fees
0%Avoid additional fees when making purchases outside of the United States.
Travel and Emergency Assistance Services
Referral serviceProvides a referral service for medical, legal, and travel-related emergencies when you're away from home. Cardholders are responsible for the cost of any services received.
Roadside Dispatch
Flat rate per service call (cost borne by cardholder)A pay-per-use roadside assistance program that provides services like towing, tire changing, jump starting, lockout service, and fuel delivery.
Visa Signature Luxury Hotel Collection
Various hotel benefitsAccess to a curated collection of hotels worldwide with premium benefits such as best available rate guarantee, automatic room upgrade upon arrival (when available), complimentary in-room Wi-Fi (when available), complimentary continental breakfast, $25 food or beverage credit, and late checkout (when available).
Travel Insurance 5
Auto Rental Collision Damage Waiver
Up to the actual cash value of most rental vehiclesProvides secondary coverage for damage due to collision or theft for most rental cars when you pay for the entire rental transaction with your eligible card and decline the rental company's collision damage waiver (CDW) or similar option.
Lost Luggage Reimbursement
Up to $3,000 per tripReimburses you for the replacement of your checked or carry-on luggage and its contents if they are lost or stolen when traveling on a common carrier and you pay for the entire fare with your eligible card.
Travel Accident Insurance
Up to $500,000Provides coverage for accidental death or dismemberment when traveling on a common carrier and you pay for the entire fare with your eligible card.
Trip Delay Reimbursement
Up to $300 per ticketReimburses you for reasonable additional expenses incurred when your common carrier trip is delayed for more than 6 hours or requires an overnight stay.
Trip Cancellation/Interruption Insurance
Up to $2,000 per person, maximum $10,000 per tripReimburses you for non-refundable passenger fares if your trip is canceled or interrupted for covered reasons.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING25,000
Points/MilesRequirement: Spend $1,000 in 90 days
Timing: Bonus points are typically posted to your account within 8-12 weeks after you have met the qualifying spend requirement, though often sooner.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
| Min Interest Charge: | $1.50 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 3% of the amount of each transfer, whichever is greater (maximum fee of $100). |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 21.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 15 months
Intro BT APR: 0% for 15 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Application Rules: Bank of America's known 2/3/4 rule applies for new credit card applications: applicants are generally limited to 2 new cards in the past 2 months, 3 new cards in the past 12 months, and 4 new cards in the past 24 months. Eligibility for a welcome bonus typically requires not having received a bonus for this specific card product within the last 24 months. General eligibility requirements include being 18+ years old, a US resident, possessing a good to excellent credit score (typically 700+), and demonstrating sufficient income to support the requested credit line. Bonus Rules: Welcome bonus offers vary but generally require meeting a specified spending threshold within the initial months of account opening (e.g., spend $1,000 in the first 3 months to earn X points/miles). Preferred Rewards members may receive enhanced earning rates on everyday spending and other benefits.
Max Cards Per Issuer: 7
Min Spend Interval: 3 months (some offers may extend to 6 months)
Cliff Effect Rules: Bank of America's 2/3/4 rule acts as a primary application velocity cliff, restricting new card approvals based on recent application history. Additionally, eligibility for a welcome bonus is typically restricted if the applicant has received a bonus for the same card product within the last 24 months. Overall credit limit exposure across all Bank of America cards can also impact approval for new cards or credit limit increases, potentially leading to a 'cliff' where further credit is denied.
Special Events: N/A
Holiday Promos: N/A
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.0 / 5.0
Top Positive:
Users appreciate the strong rewards on Celebrity Cruises purchases, valuable sign-up bonus for cruise credit, and exclusive cruise-related perks.
Top Negative:
Some users find the rewards structure too restrictive for non-cruise spending and general redemption options are limited.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Bank of America Travel Rewards credit card
- Royal Caribbean Visa Signature Card
- Chase Sapphire Preferred Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $320.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0