Holland America Line Rewards Visa Card

Barclays Visa Signature Pending

Back Apply Now

18

Benefits

2

Reward Categories

2x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: holland-america-line-rewards-visa-card

Issuer: Barclays

Card Name: Holland America Line Rewards Visa Card

Card Type: Credit

Network: Visa

Card Tier: Signature

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 08:26

Last Scraped: Jan 24, 2026 06:03

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Holland America Line Purchases 2x Points on eligible Holland America Line purchases No Cap
All Other Purchases 1x Points on all other purchases No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 2x

Categories: 2x Holland America Line purchases

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) 18 Total
PENDING
Convenience 1
Digital Wallet Compatibility
Compatible with digital wallets

Easily add your card to your preferred digital wallet for secure and convenient payments.

Financial Management 1
Complimentary FICO® Score Access
Free access

Get complimentary access to your FICO® Score.

Lifestyle 1
Concierge Services
Personal assistance

Access to a personal assistant for help with travel arrangements, event tickets, dining reservations, and more.

Purchase Protection 2
Purchase Security
Protection against theft/damage

Protects eligible purchases against theft or damage for a specified period.

Extended Warranty Protection
Warranty extension

Extends the manufacturer's warranty on eligible items.

Rewards 4
Welcome Bonus Miles
20,000 Bonus Miles

Earn 20,000 Bonus Miles after you spend $1,000 on purchases in the first 90 days.

Accelerated Rewards on Holland America Line Purchases
2 Miles per $1

Earn 2 Miles for every $1 spent on eligible Holland America Line purchases.

Standard Rewards on All Other Purchases
1 Mile per $1

Earn 1 Mile for every $1 spent on all other purchases.

Unlimited Miles Earning
Unlimited

There is no limit to the number of Miles you can earn.

Rewards Redemption 1
Flexible Redemption for Cruise Discounts and Onboard Credit
10,000 Miles = $100

Redeem your Miles for Holland America Line cruise discounts, onboard credit, and more. 10,000 Miles = $100 in cruise discounts or onboard credit.

Security 1
Zero Fraud Liability
0% liability for fraud

You're not responsible for unauthorized charges made on your card.

Travel 1
No Foreign Transaction Fees
0% foreign transaction fees

Avoid extra charges on purchases made outside the U.S.

Travel Assistance 3
Travel and Emergency Assistance Services
Assistance services

Get help with medical and legal referrals, emergency transportation, and more when you're away from home.

Roadside Dispatch
Pay-per-use roadside assistance

A pay-per-use roadside assistance program for services like towing, tire changing, jump starting, and more.

Emergency Cash and Card Replacement
Emergency cash/card replacement

Get an emergency cash disbursement or a replacement card if yours is lost or stolen.

Travel Insurance 3
Lost Luggage Reimbursement
Reimbursement for lost luggage

Reimbursement for checked or carry-on luggage and its contents if lost or stolen.

Travel Accident Insurance
Accidental death/dismemberment coverage

Coverage for accidental death or dismemberment while traveling on a common carrier.

Auto Rental Collision Damage Waiver
Collision/theft coverage for rental cars

Provides coverage for damage due to collision or theft for most rental cars when you pay with your card.

Benefits Summary (Flags)
PENDING

Extended 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
PENDING

10,000

Points/Miles

Requirement: Spend $1 in 0 days

Timing: Points typically post within 6-8 weeks after the qualifying purchase or balance transfer, but often sooner, sometimes within 1-2 billing cycles.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: Either $5 or 5% 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 & APR
PENDING
Standard 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 0 months

Intro BT APR: 0% for 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Very Good
Hard Pull Only
Application Process
Not Available
Not Available
TransUnion, Experian
Issuer Rules & Policies
PENDING

Rules: To be eligible for the Holland America Line Rewards Visa Card, applicants must typically have good to excellent credit (FICO score generally 700+), be at least 18 years of age (or 19 in AL and NE), and be a U.S. resident. Barclays is known for its '6/24 Rule,' meaning applicants are generally denied if they have opened more than 6 new credit card accounts across all issuers in the past 24 months. This rule is a primary gatekeeper for new applications. The sign-up bonus, typically awarded after meeting a specified spending threshold within the initial months, is generally available once per product per 24-month period. Specific bonus offers and spending requirements are subject to change annually and will be detailed at the time of application.

Max Cards Per Issuer: 2

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Barclays products, sudden drastic changes in spending patterns, defaulting on other Barclays accounts, excessive credit seeking, opening too many accounts in a short period (even if within 6/24 for other issuers, Barclays can be sensitive to velocity), non-payment or late payments.

Cliff Effect Rules: Barclays generally limits sign-up bonuses to once per specific product per 24 months. While not a 'card family' rule in the same vein as some other issuers, applying for a different co-branded card (e.g., another travel partner) would be subject to the overall 6/24 rule and Barclays' internal credit limits, but typically would not preclude you from earning a bonus on a distinct product.

Special Events: N/A

Holiday Promos: N/A

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.7 / 5.0

Top Positive:
Excellent for loyal Holland America cruisers, good redemption value for cruise credits, no annual fee, no foreign transaction fees.

Top Negative:
Rewards are limited to Holland America/Carnival brands, not ideal for general travel, lower earning rate on non-brand purchases compared to other travel cards.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Sapphire Preferred Card
  • Capital One VentureOne Rewards Credit Card
  • Bank of America Travel Rewards credit card

Card Value Score: 70.0 / 100

Est. Annual Rewards: $195.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0