Celebrity Cruises® Visa Signature® Credit Card
Basic Information
Program ID: celebrity-cruises-rewards-visa-signature-card
Issuer: Bank of America
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/15/2026 17:46
Last Scraped: 01/15/2026 17:48
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $25,000.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Bonus points are typically posted to your account within 8-12 weeks after you have met the qualifying spend requirement, though often sooner.
Rewards Program
Reward Type: Celebrity Cruises Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Celebrity Cruises & Royal Caribbean purchases, 2x Airfare, Hotels & Restaurants
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is open and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: 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.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months (some offers may extend to 6 months)
Shutdown Risk Triggers: Manufactured spending, excessive credit limit requests, rapid application for multiple cards exceeding velocity rules (2/3/4), suspicious spending patterns (e.g., large purchases immediately followed by payments, gift card churning), defaulting on payments, or repeated abuse of card benefits and rewards programs.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Users appreciate the strong rewards on Celebrity Cruises purchases, valuable sign-up bonus for cruise credit, and exclusive cruise-related perks.
Top Negative Feedback:
Some users find the rewards structure too restrictive for non-cruise spending and general redemption options are limited.
Approval Experience Score: 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
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 70% General / 30% Co-brand
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0