Earning Rewards
The Royal Caribbean Visa Signature earns MyCruise points at the following rates:
- 2 points per dollar on qualifying purchases with Royal Caribbean, Celebrity Cruises and Silversea and 1 point on all other purchases
Additionally, as a new cardholder, you can earn 30,000 bonus points after spending $1,000 and a $50 discount for flights booked with Royal Caribbean’s Air2Sea program after spending $3,500, both within the first 90 days of account opening.
Redeeming Rewards
Royal Caribbean (and its sister brand, Celebrity Cruises) offer an assortment of redemption options for MyCruise points. Of these, onboard credit, discounts on cruises and charitable donations have the easiest-to-understand values: Your points are worth 1 cent each, meaning 15,000 MyCruise points would buy you $150 in onboard credit or as a discount off your cruise fare.
More exciting options—with a higher return per point—include stateroom upgrades, complimentary companion fares or entirely free cruises. The exact value per point on these varies by the precise sailing you’re booking, but could increase your point value up to two cents each. For example, the same 15,000 MyCruise points that are worth $150 in onboard credit are also enough to cover the cost of an upgrade on a four to eight-night cruise from an interior to oceanview stateroom valued at up to $300.
Free cruises begin at 50,000 MyCruise points for a three or four-night cruise in an oceanview stateroom (valid on cruise fares up to $1,000). Eligible seven night sailings may be redeemed for 125,000 points. This could be a nice incentive for saving your points until you have enough for a larger redemption.
Cardholders can also redeem their points for merchandise, though it generally represents poor value.
Rewards Potential
Forbes Advisor uses estimated spending amounts to simulate the number of points you might earn from this card in one year. Based on data from multiple government agencies, our research shows that a household earning in the 70th percentile brings in $127,200 of income and can reasonably charge $40,398 to a credit card across the following categories:
Royal Caribbean Visa Signature Credit Card* Rewards Potential