The Royal Caribbean credit card offers a sign-up bonus equivalent to $100, but are you better off with an alternative travel card?
- No annual fee
- Sign-up bonus: Earn 10,000 bonus points after you make a transaction in the first 65 days; bonus valued at $100 in onboard credit
- Earn 2x per $1 spent on Royal Caribbean and their sister brands
- Earn 1x on everything else and redeem on all three cruise lines
- Redeem MyCruise points for Royal Caribbean, Celebrity and Azamara onboard credits, stateroom upgrades, discounts, cruises and more.
2x back on purchases
Instead of being limited to earning 2x back on Royal Caribbean purchases, why not get a card like the Citi Double Cash to earn 2x on ALL purchases?
With the Citi Double Cash, you earn points that can be redeemed for statement credit/cash, which is better than being limited to redeeming points on a cruise.
No annual fee and no foreign transaction fees
The Royal Caribbean card and the Citi Double Cash card are both no annual fee cards. The Double Cash does have foreign transaction fees, but you can always use an alternative card.
The $50 airfare discount is only applicable to Air2Sea flights and not flexible like alternative cards.
Keep in mind that this discount is only available if you qualify for the Visa Signature card, which requires a being approved for a credit limit of $5,000 or more.
The main issue is Bank of America offers alternative credit cards like the MLB series that offer you $100 cash sign-up bonus.
Instead of getting the Royal Caribbean card, there are better alternative travel credit cards that are worth looking into. The Chase Sapphire Preferred earns 2x back on travel, and the Discover It card offers discounts on cruises.
The Chase Freedom earns 5x points on select rotating categories each quarter you activate. For Q3 2018 (July-September), the Chase Freedom 5x categories are gas stations, Lyft, and Walgreens.
The Discover It 5% cash back category for Q3 (July-September) 2018 is restaurants. As a reminder, you need to activate the 5% promo to receive the cashback bonus. Earn up to 5% on up to $1,500 in combined category purchases when you activate.
A charge card is a type of credit card where you must pay the statement balance in full each month. Unlike a traditional credit card, you can't just pay a minimum balance.
The Chase Trifecta, which consists of the Chase Freedom Unlimited, Chase Freedom, and either the Chase Sapphire Preferred or the Chase Sapphire Reserve, is the best card system to earn points for free flights.
American Express just launched a cash back card that earns 1.5% on everything to compete with cards like the Chase Freedom Unlimited and the Bank of America Travel Rewards card.
Chase is currently running a banking bonus promotion where you can earn up to $500 for opening a checking and savings account. New customers will receive $300 for opening a Chase Total Checking account and $200 for opening a Chase Savings account.
American Express is enforcing welcome offer restrictions with a new tool. A module will pop up if Amex does not want to grant you a welcome bonus due to too many accounts, signup bonuses received, or introductory APR offers.
Incredible Bank is offering up to $200 to open a free checking account. To receive the extra $100 bonus, you'll need to use a referral code. Use referral code HAA7551 if you want to support Ask Sebby, and we'll both receive $100.
American Express offers are targeted deals that you can find when you login to your Amex account. As a reminder, if you see a deal you like, I recommend adding it to your card because there is usually a limited amount available.
Get discounts on gift cards via Chase Ultimate Rewards, get Amazon credits when you link a Citi or Amex card, new Priority Pass restaurant added to LAX, and more.