18
Benefits2
Reward Categories2x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Cruise Purchases | 2x | Points | Eligible Princess Cruises and Cunard Line purchases | No Cap | |
| All Other Purchases | 1x | Points | All other purchases | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 3x
Categories: 3x Princess Cruises, 2x Airlines
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: Points do not expire as long as account is open and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 0x
Transfer Partners: N/A
Redemption Penalties: N/A
Benefits & Protections (Detailed) 18 Total
PENDINGExclusive Offers 1
Exclusive Cardmember Offers
Exclusive offersExclusive cardmember offers.
Fees 1
No Annual Fee
$0 annual feeNo annual fee.
Financial Tools 1
Free FICO® Score Access
Free FICO® ScoreFree online access to your FICO® Score.
Introductory Offer 1
Welcome Bonus Points
20,000 bonus pointsEarn 20,000 bonus points after you spend $1,000 in purchases in the first 90 days of account opening.
Princess Cruises Perks 2
Complimentary MedallionClass® Experience Upgrade
Complimentary upgradeComplimentary MedallionClass® experience upgrade for cardmembers.
Free Shipping on MedallionClass® Accessories
Free standard shippingFree standard shipping on MedallionClass® accessories.
Purchase Protection 2
Purchase Security
Protection against theft/damage for purchasesCovers eligible purchases against theft or damage for a specified period from the date of purchase.
Extended Warranty Protection
Extended warranty on purchasesExtends the manufacturer's warranty on eligible items purchased with your card.
Rewards Earning 3
Princess Cruises Purchase Points
3X points per $1Earn 3X points for every $1 spent on eligible Princess Cruises purchases.
Restaurant Purchase Points
2X points per $1Earn 2X points for every $1 spent on eligible restaurant purchases.
All Other Purchase Points
1X point per $1Earn 1X point for every $1 spent on all other purchases.
Rewards Redemption 1
Flexible Point Redemption
Onboard credit, cruise discounts, and moreRedeem points for Princess Cruises onboard credit, cruise discounts and more.
Security 1
Fraud Liability Protection
Zero liability for fraudYou are not responsible for unauthorized charges made with your card.
Travel Assistance 2
Roadside Dispatch
Pay-per-use roadside assistanceA pay-per-use roadside assistance program that can help with services like towing, tire changing, jump starting, lockout service, and fuel delivery.
Travel and Emergency Assistance Services
Emergency travel assistanceProvides a range of emergency services when you're traveling, including medical and legal referrals, emergency transportation assistance, and more.
Travel Insurance 3
Travel Accident Insurance
Coverage for travel accidentsCoverage for accidental death or dismemberment while traveling on a common carrier when tickets are purchased with your card.
Auto Rental Collision Damage Waiver
Collision/theft coverage for rental carsProvides coverage for damage due to collision or theft for most rental cars when you pay for the rental with your eligible card and decline the rental company's collision insurance.
Lost Luggage Reimbursement
Reimbursement for lost/damaged luggageReimbursement for checked or carry-on luggage and its contents if lost or damaged by the common carrier.
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
PENDING20,000
Points/MilesRequirement: Spend $1,000 in 90 days
Timing: Bonus points are typically awarded within 6-8 weeks after meeting the spending requirement.
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: | $2.00 |
Additional Fees
PENDING| 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 & 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 0 months
Intro BT APR: 0% for 0 months
Promo Duration: 0 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Princess Cruises Rewards Visa Card requires applicants to be at least 18 years old, a U.S. resident, possess a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have good to excellent credit. A key application rule for Barclays is the '6/24 Rule,' meaning applicants are generally not approved if they have opened more than 6 new credit card accounts across all issuers in the past 24 months. The sign-up bonus typically requires meeting a specified minimum spending threshold within the first 3 months of account opening.
Max Cards Per Issuer: 3
Min Spend Interval: 3 months
Cliff Effect Rules: Barclays does not enforce strict 'family rules' that prevent approval for different cards within their portfolio based on holding another specific card (unlike some other issuers). However, approval for new Barclays cards is significantly influenced by your existing credit exposure with Barclays and your overall credit profile. Applying for multiple Barclays cards in a short period or having very high credit limits with them can lead to denials for new applications due to perceived credit risk.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
Good for Princess Cruises loyalists, no annual fee, decent sign-up bonus for onboard credit, and bonus points on Princess purchases.
Top Negative:
Low rewards rate outside of Princess purchases, charges foreign transaction fees, limited redemption options primarily for Princess Cruises.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Royal Caribbean Visa Signature Card
- Carnival World Mastercard
- Chase Sapphire Preferred Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $195.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v2024-02