Royal Caribbean® Visa Signature® Credit Card
Basic Information
Program ID: royal-caribbean-rewards-visa-signature-card
Issuer: Bank of America
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/15/2026 17:44
Last Scraped: 01/15/2026 17:46
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
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 $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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 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 spending requirement.
Rewards Program
Reward Type: MyCruise Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Royal Caribbean, Celebrity Cruises, Azamara 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
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
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: **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.
Maximum Cards Per Issuer: 7
Minimum 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.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Excellent for Royal Caribbean loyalists, offers valuable points on cruise purchases, includes a useful companion fare certificate, and has no annual fee.
Top Negative Feedback:
Rewards are limited to Royal Caribbean, low earning rate on general purchases, less flexible than general travel rewards cards.
Approval Experience Score: 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
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 30% Royal Caribbean / 70% General
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0