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Calculate how many MyCruise Rewards Points you can earn with the Royal Caribbean Credit 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.
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.
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.
Fees
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!
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.
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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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Currency Worth
The currency the card earns and any other currencies on this side of the calculator. If the currency can be transferred to other programs, you can use 'View Rewards As...' to reflect as if you transferred it to a partner.
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Loyalty & Memberships
Hotel elite status, loyalty programs, and memberships.
Reward Bonuses
Sign up bonuses, category bonuses, and bonus bonuses.
Monetary Bonuses
Cash perks and bonuses associated with the selected card(s).
Annual Fees
Annual fee and authorized user fee (if applicable) details.
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Currency Worth
The currency the card earns and any other currencies on this side of the calculator. If the currency can be transferred to other programs, you can use 'View Rewards As...' to reflect as if you transferred it to a partner.
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Loyalty & Memberships
Hotel elite status, loyalty programs, and memberships.
Reward Bonuses
Sign up bonuses, category bonuses, and bonus bonuses.
Monetary Bonuses
Cash perks and bonuses associated with the selected card(s).
Annual Fees
Annual fee and authorized user fee (if applicable) details.
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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.
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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.
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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.
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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.
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From Bonuses
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From Spending
From Bonuses
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Cash Value
Cash value of Total Earnings based on Currency Worth.
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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.
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