Holland America Line Rewards Visa® Card
Basic Information
Program ID: holland-america-line-rewards-visa-card
Issuer: Barclays
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/07/2026 08:26
Last Scraped: 01/15/2026 06:24
Fee Structure
| Annual Fee: | $89.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $89.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| 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: $20,000.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Bonus points are typically awarded within 6-8 weeks after you have met the spend requirement.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Holland America Line purchases (including onboard purchases, pre-cruise purchases, and future cruise deposits), 2x Airline, Restaurant, and Hotel purchases
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
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 700 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: Applicants must be 18+ years old, have a valid SSN/ITIN, and reside in the US. A good to excellent credit score is generally required. Barclays enforces a '6/24 Rule,' meaning applicants are typically denied if they have opened more than 6 new credit card accounts across all issuers in the past 24 months. Welcome bonuses are generally limited to once per product lifetime for this specific product. Specific welcome bonus offers (e.g., 'Earn X bonus points after spending Y in Z months') are subject to change annually and are typically available only to new cardmembers who have not had this specific card before.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit, rapid application for multiple Barclays cards, high credit utilization, sudden unusual transaction patterns, missed payments, not using the card after bonus, abuse of card benefits, or opening too many accounts with other issuers (contributing to 6/24 rule violations).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.9 / 5.0
Top Positive Feedback:
Excellent rewards for frequent Holland America cruisers, valuable sign-up bonus, and good benefits for travel purchases including no foreign transaction fees.
Top Negative Feedback:
Annual fee may not be justified for infrequent cruisers, limited redemption options primarily focused on Holland America, and standard APR.
Approval Experience Score: 78.0 / 100
Recommended Alternatives
- Barclays AAdvantage Aviator Red World Elite Mastercard
- Chase Sapphire Preferred Card
- Capital One Venture Rewards Credit Card
Card Value Score: 82.0 / 100
Est. Annual Rewards: $280.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 65% General / 35% Co-brand Travel
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v1.0