Royal Caribbean Credit Card Review

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The Royal Caribbean Credit Card is targeted at those who take cruises (and in particular Royal Caribbean Cruises) as it helps you earn more “Royal Points”. Let’s look at this card in greater detail.

Rewards – The Royal Caribbean Cruise credit card allows you to earn double points for every dollar that you spend with Royal Caribbean International. For other regular purchases, you earn the standard one point for every dollar that you spend on the card. You can earn up to 250,000 points a year and points are good for 5 years. Hence you can redeem up to a maximum of 1,250,000 points over 5 years (250,000 multiplied by 5).

As a sign up incentive, new card holders will receive 10,000 bonus points if they make a purchase, transfer a balance or make a cash advance within 2 billing cycles after you have gotten the card (we advice though that you never use your credit card for cash advances!).

What can You Use “Royal Points” For? – Rather than describing in length what you can redeem the points for, I’ve decided to just paste a copy of their rewards page here.

Verdict – The Royal Caribbean credit card is typical of all other cruise credit cards in that you can earn double points when you make any purchases on Royal Caribbean. For folks who take Royal Caribbean cruise every year and spend quite a bit on their card, this is probably a card to consider. Royal Caribbean offers MANY different excursions at their ports. The number of stores and other entertainment they offer, you can definitely earn quite a few points on the boat alone.

There are other cards which you should also consider that can get you discounts on Royal Caribbean and other perks as well. Let’s take a look at these other cards.

Discover – I’ve mentioned this many times in previous reviews of other Cruise Credit Cards. But Discover has partnerships with most cruises on their online shopping portal and you can get 5% rebates when you your Royal Caribbean Cruise tickets and items through your Discover account. They also are partners with other cruises as well.

Discover also allows you to redeem any cash rebates you have earned for Royal Caribbean gift cards and you can redeem for double the value of your cash rebates on the gift card, and gift cards of other cruises as well.

The advantage of the Discover Card is that you can get rebates with other cruises as well and redeem it for gift cards that are double the value from the rebates you have earned.

American Express Platinum Cruise Privileges – The Platinum Card(R) from American Express also has “cruise privileges” that will appeal to folks who travel via “staterooms”. When you book your cruise through American Express, you could earn double points and also get up to $400 in benefits when you book “stateroom”. This alone will cover their annual fee.

Ending Thoughts – The Royal Caribbean Credit Card will appeal to folks who simply travel just on Royal Caribbean. For those who use different cruises, the Discover® More® Card – $50 Cashback Bonus® (you can get a $50 if you spend $599 within the first 3 months) is a great alternative. For those of you who travel in staterooms, the Platinum Card(R) from American Express is a card you want to consider because they have partnerships with all major cruises including Royal Caribbean.

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2 Responses to “Royal Caribbean Credit Card Review”

  1. Tom Says:

    Glad I found this advice. I just tried (for the first time) to redeem my Royal Caribean credit card rewards and discovered it is a long process and I am not sure I will have my award before my cruise in 50 days. Have to get credit card company to send me a certificate (2-4 weeks) and then fill it out and mail it to some company for Royal Caribean to then issue me the reward another few weeks. I have two cruises coming up but the most expensive is first so I wanted that credit. Now what I plan on doing is using up the credit, stop using the card, and use the discover card as recommended here – assuming the deals on their on line spot are cheaper than I get elsewhere. None the less I will pay for the cruise with the discovery card for the cashback.

  2. ROBERT RICHARD Says:

    AFTER SAVING FOR LONG TIME SAVING MY POINTS FOR A CRUISE. WENT TO USE MY POINT TOFIND OUT MY POINT WHEN GONE. AFTER 5 YEARS YOUR POINT GO AWAY I WAS NEVER TOLD OF THIS MAYBE BECAUSE I WAS AN OLD MBNA C/C HOLDER CUSTER SERVICE WAS NOT HELP ALL. SO USE ANOTHER CREDIT CARD COMPANY NOT RCCL

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