Holland America Credit Card
Consumer Reviews, Credit Score and Income Needed, Credit Limits

Picture of Holland America Line Rewards Visa® Card
11 Reviews
Consumer Rating:

Apply Here 3.8
Average Score:
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Credit Score: 764 Credit Limit: 10000 Age: 45-54
Posted 07/10 2017
Overall Rating:
I always cruise with Holland America and so this card is very useful to me. I normally use to get discounts on my cruises. If I have any left before I board, I either use the points for OBC. I once used it for casino chips but decided not to "play" when I was on board. So I just cashed it for cash and put it under my OBC.
Credit Score: 695 Credit Limit: 2000 Age: 18-24
Posted 03/01 2017
Overall Rating:
I have redeemed points for onboard services like casino, Pinnacle,Shore-excurisons credit,beverage card.

Here's a tip to folks new to the card. You need

1. Date of sailing
2. ship name
3. booking number
4. 15 days prior to sailing.

to redeem your OBCs.

Credit Score: 809 Credit Limit: 13000 Age: 45-54
Posted 02/16 2017
Overall Rating:
I love cruising with Holland America and love this card. I have found that the best use of points is to actually accumulate them and use them towards the price of the cruise. The more points you use, the higher the rate of return.
Credit Score: 715 Credit Limit: 7000 Age: 45-54
Posted 09/08 2016
Overall Rating:
I have this card and I use it just for HAL purchases. This includes paying for cruise, deposits, on-board expenses and pre-booked dining and excursions.

I have redeemed points for OBC and also towards final payment.
Credit Score: 760 Credit Limit: 10000 Age: 55-64
Posted 08/23 2016
Overall Rating:
I use my HAL card for everything. That way, I rack up points pretty quickly and I use them mainly on paying for the cruise and I try my best to get a free cruise with points alone. Many times, it is not possible but it sure saves you a lot of money.
Credit Score: 820 Credit Limit: 15000 Age: 45-54
Posted 05/09 2016
Overall Rating:
We never had problems with this card except on one occasion when we were on a European cruise. I called to inform them that I would be on a cruise to Europe. When I wanted to use my card in Italy, the card did not work. I have to make collect calls and after being put on countless holds, they resolved the problem and fixed it. Having said that, this should never occur because their computer systems should know that you booked a cruise trip abroad.
Credit Score: 0 Credit Limit: 0 Age: 18-24
Posted 03/25 2016
Overall Rating:
I just got this card recently and got a nice sign up bonus. I had already booked a cruise and wanted to use the points for onboard credit. But I was told that it was too close for my upcoming cruise and she suggested that I redeem it for a statement credit after I got home. She said that I could do that as long as I have an active booking number and to do it immediately when I got back.

Since then, I use this card for all my spending and realize that the points do add up quickly. I have just saved another $1000 on my cruise.
Credit Score: 740 Credit Limit: 12000 Age: 45-54
Posted 11/17 2015
Overall Rating:
I have mixed review about this card. Most of the time, I had no problems using my points whatsoever. However, on my last cruise, I used the points for some beverage cards.

After I boarded, I wanted to double check and found out that there was no record of it and I ended up paying for it again. It has been 4 weeks after the cruise and after speaking to the credit card company, my points are yet to be refunded.
Credit Score: 766 Credit Limit: 10000 Age: 35-44
Posted 09/23 2015
Overall Rating:
I have used this card and got to use the points for 3 cruises. Used them for last payment, OBC and pre-booked excursion trips. A year ago, I got the Barclaycard Arrival and found out that I could earn so much more points quicker than the HAL card. I have since stopped using the HAL card because I could use my Barclaycard to book my cruise and get my OBC. While I may not get the discounts, I still get statement credit cards.
Credit Score: 780 Credit Limit: 12000 Age: 45-54
Posted 07/06 2015
Overall Rating:
Love my card. I charge everything to it. Use it for OBC, pre-booked excursions and dining. One tip I can give is always bring your receipts and call the cruise a week before to make sure all your on-board credits and other bookings are in the system and in place. I have an incident in my early cruise where the computer system was not updated and it was a little mess.
Credit Score: 670 Credit Limit: 3000 Age: 35-44
Posted 04/08 2015
Overall Rating:
I took a HAL cruise not too long ago and my wife and I agreed to do it again. Then I saw that HAL had a credit card and applied online. I was denied but decided to call the recon line and after being asked a few standard questions, I was approved for $3000 limit. Guess I got to start using the card now to earn points before the next trip!