Royal Caribbean® Visa Signature® Credit Card

Bank of America Visa Signature Pending

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13

Benefits

2

Reward Categories

2x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: royal-caribbean-rewards-visa-signature-card

Issuer: Bank of America

Card Name: Royal Caribbean® Visa Signature® Credit Card

Card Type: Credit

Network: Visa

Card Tier: Signature

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 17:44

Last Scraped: Jan 15, 2026 17:46

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Cruise Line Purchases 2x Points Purchases made with Royal Caribbean International® and Celebrity Cruises®. No Cap
All Other Purchases 1x Points All purchases not categorized as Royal Caribbean International® or Celebrity Cruises® purchases. No Cap
Rewards Summary
PENDING

Reward Type: MyCruise Points

Base Rate: 1x

Bonus Rate: 2x

Categories: 2x Royal Caribbean, Celebrity Cruises, Azamara 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) 13 Total
PENDING
Financial 1
No Annual Fee
$0

The card does not charge an annual fee.

Lifestyle 1
Visa Signature Concierge Services
24/7 assistance

Provides 24/7 personalized assistance for travel planning, dinner reservations, event tickets, and more.

Purchase Protection 2
Purchase Security
Up to a specified limit per claim

Protects eligible new purchases made with your card against theft or damage for a specified period from the date of purchase.

Extended Warranty Protection
Extends warranty by up to 1 year, up to a specified limit per claim

Extends the manufacturer's original U.S. warranty by up to one additional year on eligible items purchased with your card.

Rewards 4
Accelerated Rewards Earning on Cruise Lines
2 points per $1

Earn 2 points for every $1 spent on qualifying purchases with Royal Caribbean, Celebrity Cruises®, and Azamara®.

Standard Rewards Earning
1 point per $1

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

Welcome Bonus Points
10,000 bonus points

Earn 10,000 bonus points after you make your first purchase.

Royal Caribbean Rewards Redemption
Varies by redemption choice

Redeem points for cruise discounts, onboard credit, stateroom upgrades, and more.

Travel Assistance 2
Travel and Emergency Assistance Services
Referral and coordination services

Provides a range of emergency services when you're traveling, including medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of any services received.

Roadside Dispatch
Pay-per-use service

A pay-per-use roadside assistance program that provides services like towing, tire changing, jump starting, lockout service, and fuel delivery.

Travel Insurance 3
Auto Rental Collision Damage Waiver
Varies by incident

Provides secondary coverage for damage or theft to most rental vehicles when you pay for the rental with your eligible Visa Signature card and decline the rental company's collision damage waiver.

Lost Luggage Reimbursement
Up to a specified limit per trip

Reimburses you for the replacement of luggage or its contents if they are lost or stolen when traveling on a common carrier and the ticket was purchased with your eligible Visa Signature card.

Common Carrier Travel Accident Insurance
Up to a specified coverage amount

Provides accidental death and dismemberment coverage when you travel on a common carrier (e.g., plane, train, bus, ship) and the entire fare has been charged to your eligible Visa Signature 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

25,000

Points/Miles

Requirement: Spend $1,000 in 90 days

Timing: Bonus points are typically posted to your account within 8-12 weeks after you have met 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: 29.99%
Min Interest Charge: $2.00
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 $99).
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater (maximum fee of $99).
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 29.24%

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
PENDING
Credit Score Requirements
670 - 850
Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: **Welcome Bonus**: Earn 25,000 bonus points after making $1,000 in purchases within the first 90 days of account opening. This bonus is typically available once per lifetime for this specific card product. **Application Rules (Bank of America 2/3/4 Rule)**: As of 2026, 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 across all Bank of America credit card products. **Eligibility Requirements**: Applicants must be at least 18 years old (19 in Alabama and Nebraska), a U.S. resident, and possess a good to excellent credit score (typically 670+ FICO). Approval is also subject to income verification and existing credit relationships with Bank of America.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit limit requests, rapid application for multiple cards (even within the 2/3/4 rule, aggressive behavior can be flagged), suspicious transaction patterns, defaulting on payments, or significant changes in financial behavior.

Cliff Effect Rules: The primary 'cliff effect' for Bank of America is its 2/3/4 rule, which limits new card approvals based on recent account openings across all BofA products. There are no specific 'card family' rules that prevent earning bonuses on different versions of co-branded cards (e.g., different tiers of Royal Caribbean cards) beyond the general new account limits.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Excellent for Royal Caribbean loyalists, offers valuable points on cruise purchases, includes a useful companion fare certificate, and has no annual fee.

Top Negative:
Rewards are limited to Royal Caribbean, low earning rate on general purchases, less flexible than general travel rewards cards.

Approval Experience: 75.0 / 100

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

Card Value Score: 70.0 / 100

Est. Annual Rewards: $280.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0