Holland America Visa Card Calculator

Review the benefits of the Holland America Visa, calculate how many points you can earn based on your spend, and compare to top cards.
Updated 2020-07-12 By Robert Flowers III

The Barclays Holland America Visa Card is a great option for those who consistently cruise with Holland America. While the card doesn't offer anything in terms of perks & benefits, what it does offer is a solid return on your spend. Holland America Line Rewards Points can be redeemed for cruises on Holland and can be worth as much as 2.5 cents per point meaning you can earn up to a 5% return using this card on Holland America Line purchases. The more expensive the cruise, the more your points are worth when redeeming them. Other redemptions which includes using your points for the other World's Leading Cruise Lines will not give you as much value. If you do a lot of spending with Holland America Line and you plan on redeeming your points towards expensive Holland America Line cruises, you'll want to consider picking up this card.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The Holland America Visa features one bonus category which is spending with Holland America Cruise Line. There is no limit to the amount of points you can spending in this bonus category and there is no limit to the amount of points you can earn using the card.

  • 2x Holland America
    • Includes Holland Cruise Line ticket purchases and purchases made on-board Holland America Line.
  • 1x Non-Category

Perks & Benefits

The Holland America Visa does not offer any special benefits or perks that are specific to the cruise line itself.

Sign Up Bonus

The Holland America Visa has a standard sign up bonus of 5,000 points after you make your first purchase. This is equal to a $50 onboard credit, but I would recommend applying it towards a later cruise as it can be worth up to $125. It's not a high sign up bonus, but it's still some easy points to grab up if you enjoy cruising with Holland America Line.


Annual Fee

The Holland America Visa has a $0 annual fee which is great because it has the ability to earn a serious return for those who plan on using their points towards expensive cruises.

Authorized User Fee

The Holland America Visa does not charge a fee to add authorized users. If you plan on going for the high-value redemptions, I recommend adding friends/family to your card so that you can earn Holland America Line Points faster.

Foreign Transaction Fee

The Holland America Visa does not have a foreign transaction fee which means you can use the card for international spending without worrying about being charged a fee. This can be great for those who want to earn Holland America Line Points on purchases worldwide.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

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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Category 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 rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
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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