| Rewards | You earn rewards in the form of MyCruise® points: 2 MyCruise points per $1 spent on: Celebrity Cruises purchases Sister cruise brands like Royal Caribbean and Silversea 1 MyCruise point per $1 on all other purchases |
|---|---|
| Signup Bonus | Earn 30,000–35,000 MyCruise® bonus points after spending a minimum amount within the first 90 days of account opening — e.g., $1,000–$1,500 in purchases. 35,000 bonus points is often marketed as $350 in onboard credit. Other offers list 30,000 bonus points (? $300 onboard credit). |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 21.24% – 30.24%, based on your creditworthiness (APR is subject to change) |
| Cash Advance Fee | Either $10 or 3% of each cash advance transaction amount, whichever is greater. |
| Late Payment Fee | Up to $40 |
| Purchases APR | 18.24% – 28.24% variable |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Celebrity Cruises Visa Signature Credit Card is best known as a no-annual-fee cruise card that earns rewards toward onboard credit and cruise perks, rather than flexible cash back. It offers solid bonus points on Celebrity (and sister line) purchases, plus a decent intro bonus that can offset cruise costs.
Most users say they like how easy it is to earn and redeem points if they cruise with Celebrity regularly. Many reviewers mentioned the sign-up bonus feels meaningful when used for onboard credit, and fans appreciate no annual fee and no foreign transaction fees. Cruise loyalists also enjoy earning rewards on Royal Caribbean group brands.
On the flip side, many cardholders point out that rewards are very limited outside of cruising. Points aren’t flexible, everyday spending only earns 1x, and the card lacks premium travel perks like lounge access or strong insurance benefits. Some users also complain that APR and fees are high if you carry a balance.
Personally, I think this is a good pick only if you’re a Celebrity loyalist. If you want flexible travel or cash back, better cards exist—but for frequent cruisers, it does exactly what it promises.
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Perfect for cruise lovers!
as someone who cruises frequently, this card is amazing. Points accumulate fast for onboard perks, and the travel protections are excellent. Customer service is responsive, making it easy to manage rewards and bookings.
