| Rewards | 2 points per $1 spent on Holland America Line purchases, including cruise fares and onboard purchases. 1 point per $1 spent on all other purchases where Visa is accepted. |
|---|---|
| Signup Bonus | 20,000 bonus points after spending $1,000 within the first 90 days, enough for approximately $200 in onboard credit. |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | Variable 29.99% |
| Cash Advance Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Late Payment Fee | Up to $41 |
| Purchases APR | Variable 20.24%, 24.24%, or 29.99%, based on creditworthiness and the U.S. Prime Rate. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Holland America Line Rewards Visa Credit Card is a niche travel card geared toward loyal Holland America cruisers. It’s best known for its $0 annual fee, the ability to earn extra points on Holland America purchases, and a welcome bonus that can be redeemed for onboard credits or cruise-related rewards.
Most users say they like the simplicity of the rewards program and appreciate earning points toward future cruises without paying an annual fee. Many reviewers mentioned that the onboard credit redemptions can add value for frequent Holland America travelers, especially those who cruise regularly with the line.
On the downside, many cardholders feel the rewards rate is fairly modest compared with general travel or cash-back cards. Some users also note that redemption options are somewhat limited outside the Holland America ecosystem, reducing the card’s appeal for travelers who prefer flexibility.
Personally, I think this card makes the most sense for dedicated Holland America fans who take cruises regularly and want an easy way to offset onboard expenses. If you’re looking for broader travel rewards or stronger everyday earning rates, there are likely better options available. For loyal cruisers, though, the no-annual-fee structure makes it a reasonable card to keep in your wallet.
RATE THIS CREDIT CARD
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I like it
As a frequent cruiser, this has been a delight. I earn extra points on cruise bookings and onboard purchases, making my vacations even more rewarding. The perks and discounts are great, though the interest rate could be a bit lower.
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Rewards are okay
This one is perfect if you cruise often with Holland America. I used my bonus points for an onboard credit last summer, and it made my trip even better. For non-cruise spending though, the rewards are just okay. Definitely a niche card, but it fits cruise lovers well.
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