Royal Caribbean Visa Signature Card Calculator

Card Details & MyCruise Points 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.

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

With the Royal Caribbean Card, you'll earn double MyCruise Points on Royal Caribbean, Celebrity Cruises, and Azamara Club Cruises purchases. MyCruise Points are worth between 1 and 2 cent in value depending on how you redeem them which means you can earn as high as a 4% return on your spend with these three lines.

Bonus Categories

The Royal Caribbean Visa Signature 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 Signature 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
  • 2x Celebrity Cruises
  • 2x Azamara Club Cruises
  • 1x Non-Category

The Celebrity Cruises Visa Signature Card has the same categories and earning rates.

Sign Up Bonus (SUB)

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.


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

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 other rewards card side-by-side by clicking on the Compare A Card button.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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