Royal Caribbean Visa Card | Review & Point Calculator

Royal Caribbean Visa Card

Review & MyCruise Point Calculator
2X Royal Caribbean
2X Celebrity Cruises
2X Azamara Club Cruises

Calculate how many MyCruise Rewards Points you can earn with the Royal Caribbean Visa Card based on your spend and get a full review of the card benefits.

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Royal Caribbean has one co-branded credit card which is called the Royal Caribbean Visa Credit Card. This no-annual fee card earns MyCruise Rewards Points and gives you access to the MyCruise Rewards program. You must own either the Royal Caribbean Visa Credit Card or Celebrity Cruises Visa Signature Credit Card to participate in the MyCruise Rewards program.

The Royal Caribbean Credit Card earns double points on Royal Caribbean purchases as well as double points across Celebrity Cruises and Azamara Club Cruises which are sister brands of Royal Caribbean (and also owned by Royal Caribbean Inc). MyCruise Points are worth between 1 and 2 cent in value depending on how you redeem them. Those who go for the higher 2 cent redemptions who frequently cruises any of these three brands will heavily benefit from picking up the Royal Caribbean Visa.

Bonus Categories

The Royal Caribbean Visa Card features three bonus categories which are Royal Caribbean, Celebrity Cruises, and Azamara Club Cruises purchases. There is no cap specific to the earning rates of the card, but there is an overall cap on how many points you can earn with the card. The Royal Caribbean Visa Card can earn up to 540,000 MyCruise Points per calendar year. This is a hard cap to hit as you would need to spend $270,000 to $540,000 across the card.

2x Royal Caribbean

The Royal Caribbean Visa Card earns 2 MyCruise Points per $1 spent on purchases made with Royal Caribbean. This will give you between a 2% and 4% return depending on how you redeem your points. If you frequently cruise several times per year with Royal Caribbean (or Celebrity/Azamara), you can easily squeeze out a pretty superb return using the card. Whether this card is better than other travel rewards cards will stickly depend on you getting at least 1.5 cents or more in value per MyCruise Rewards Point (which can be easily done).

2x Celebrity Cruises

Purchases with Celebrity Cruises with the Royal Caribbean Visa Card will earn you 2 MyCruise Points per $1 spent. If you travel Celebrity Cruises more than Royal Caribbean, you may want to consider the Celebrity Cruises Visa Card as you'll earns several benefits when sailing Celebrity such as discounts on dinner, Prive Journeys, premium beverage packages, and more. Since there's no difference in how MyCruises Points are earned and redeemed with the Celebrity Cruises Visa, it wouldn't hurt to choose it over the Royal Caribbean Visa Card. Do note that all Celebrity Cruise related redemptions will only give your MyCruise Rewards Points a value of 1 cent each.

2x Azamara Club Cruises

Azamara Club Cruise purchases will earn 2 MyCruise Points per $1 spent. Since Azamara doesn't have a co-branded credit card specific to their line (they did way back in the ages), earning double the points with either this card or the Celebrity Visa Card is the way to go. For those who enjoy cruising specifically with Amazara, there is only one sweet spot for a chance at a 2 cent per point redemption, and that's a 7-night Azamara Europe Cruise. All other redemptions that are Azamara related will only earn you a value of 1 cent per point which is pretty low.

1x Non-Category

Any purchases made on the Royal Caribbean Visa Card outside of the cruise lines listed above will earn 1 MyCruise Point per $1 spent. This is a return of 1% to 2% depending on how you redeem your points. If you frequently cruise with Royal Caribbean, you'll have several options for redeeming your points for up to 2 cents each which would make this equal to a 2% return card. If you're a frequent cruiser of Celebrity or Azamara, you will more than likely not want to put your non-category spend across the card unless you plan on redeeming your points on Royal Caribbean.

Sign Up Bonus

The Royal Caribbean Visa Card offers a sign up bonus of 10,000 MyCruise Points after making a transaction within the first 90 days of account opening. This redemption is easily worth $100, but can be worth as much as $200 when combined with more points and redeemed for stateroom upgrades, companion fares, and cruise vacations. It's not the highest of sign up bonuses, but it's still an easy $100 to $200 to earn on a single purchase.

As a new Royal Caribbean Visa Card member, you will also receive a $50 Air2Sea airfare discount when spending at least $3,500 on the card within the first 90 days of account opening.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The Royal Caribbean Visa Card has no annual fee. This means you will always come out ahead when running spend across the card and will not have to worry about meeting any kind of spend goals to make the card "worth it".

Authorized User Fee

The authorized user fee for the Royal Caribbean Visa Card is $0. You can earn MyCruise Points faster by adding additional users to the card and having them make purchases. If you're looking to build your MyCruise Points, this is a great route to take.

Foreign Transaction Fee

The Royal Caribbean Visa Card has a 0% foreign transaction fee which means you'll be able to use your card worldwide to earn MyCruise Points. Not having to worry about being charged a fee for international purchases is always a plus to any rewards card!

and Card Value Calculator

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You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2019-12-07

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.

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