Bank of America Royal Caribbean Credit Card Review

The Royal Caribbean credit card offers a sign-up bonus equivalent to $100, but are you better off with an alternative travel card?

The basics

  • 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.

Airfare Discount

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.

10,000 points

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.