Royal Caribbean Credit Card
Consumer Reviews, Credit Score and Income Needed, Credit Limits

Picture of Royal Caribbean Visa Signature® Card
12 Reviews
Consumer Rating:

Apply Here 4.3
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Credit Score: 765 Credit Limit: 7000 Age: 45-54
Posted 07/14 2017
Overall Rating:
I love my Royal Caribbean card and have used points either for free cruise (it has happened a couple of times) or discounts off cruises. I used my points once for a free 4N cruise with ocean view. It is not technically free since the points do not cover port fee and taxes. You get the best value for your points this way rather redeeming for OBC.
Credit Score: 735 Credit Limit: 4000 Age: 45-54
Posted 04/03 2017
Overall Rating:
Just got the card recently and do not have enough points. So I am just going to book our next cruise and excursions. After we make our final payment, I am just going to use the points for OBC, which I'll probably use on board for drink packages and maybe a spa package.
Credit Score: 804 Credit Limit: 15000 Age: 45-54
Posted 01/24 2017
Overall Rating:
Using your points for a free cruise is definitely the best bang for the buck "if you could find a cruise that fits the category for points and price of the cruise". From my experience, that rarely happens. So it's either OBC or cruise discounts for me.
Credit Score: 774 Credit Limit: 8000 Age: 45-54
Posted 11/16 2016
Overall Rating:
We have had this card for a few years. We charge everything to the card and typically just use it for on board credit after we make our final payment. We usually get $400 to $500 worth of OBC and that really takes care of almost every on board expenses so I do not get any extra charges on my credit card after the cruise.
Credit Score: 745 Credit Limit: 9000 Age: 35-44
Posted 08/28 2016
Overall Rating:
I never have any luck redeeming for free cruise. I get the feeling that they do not put up regular sale pricing but instead jack it up to a ridiculous prices if you want to use the free cruise redemption. Statement credits and OBC are best use of points IMO. Much less hassle.
Credit Score: 803 Credit Limit: 12000 Age: 45-54
Posted 07/11 2016
Overall Rating:
After years of using this card, I finally got the Chase Sapphire Preferred and like it so much better than the RCL Visa. I can earn 2X when I book my cruise. I can use the points and transfer to Southwest for my flights to port. I even use the points for hotel stays for a couple of nights.

You also get 20% points rebate when you book through their travel portal and I have found that the prices are pretty comparable with other TA and RCL itself. You also get primary auto collision insurance and there is no foreign transaction fee.

With the CSP, I can use the points for every aspect of my trip and not just the cruise or OBC part. Though I still have the RCL Visa, I no longer use it.
Credit Score: 675 Credit Limit: 2500 Age: 25-34
Posted 02/05 2016
Overall Rating:
My girlfriend and I just booked a cruise on RCL and I decided to try to get the card just to get some points and use it for the cruise. I wasn't sure if I would be approved but I was in the end. My score is not the best (675 on EX) and I got a $2.5k limit. I'll be charging everything to the card and let's see how this works out.
Credit Score: 785 Credit Limit: 7000 Age: 35-44
Posted 10/06 2015
Overall Rating:
I got this card before I went on cruise. Got the 10,000 bonus points and used it for OBO.
Credit Score: 735 Credit Limit: 5000 Age: 45-54
Posted 09/18 2015
Overall Rating:
My wife and I both have the RCCL Visa card and we love it. We put all our spending on our cards, pay it off every month and just earn the rewards. That way, we save a lot on our yearly RC cruise trips. There are other travel cards where you can definitely earn more points. But this card works for both of us because it is specifically meant for RC spending.
Credit Score: 758 Credit Limit: 7000 Age: 45-54
Posted 08/27 2015
Overall Rating:
Love my Royal Caribbean Visa. I just booked a last minute trip and I am able to redeem points for a statement credit.

Credit Score: 705 Credit Limit: 4000 Age: 45-54
Posted 05/15 2015
Overall Rating:
I did not really have a great experience applying for this card. A year and a half ago, I actually got denied. This was despite having 2 BOA cards and always having paid on time. But I decided to try my luck again and I got approved this time. I thought the limit was a little on the low side to be honest. If I book a cruise with this card, I will be literally using up my whole limit. I have to pay in full for this one.
Credit Score: 746 Credit Limit: 5000 Age: 35-44
Posted 01/07 2015
Overall Rating:
I use this card together with my Capital One Venture to save on my RC cruise. I use the RCCL Visa to pay for my cruises to earn double points. I then either use the points for cruise discounts and statement credit or OBO. I use my Cap One miles for the airfares.