Celebrity cruises credit card: is it worth your money?



The Celebrity Cruises credit card is offered by the Bank of America. Like all other cruise cards, this card offers exclusive deals and benefits to its cardholders. The deals are offered on some cruise lines including Royal Caribbean, Celebrity, and Azamara. Let us look at some of the features of this credit card.

Perks of the Celebrity Cruises credit card

  • Earn 10,000 MyCruise points on your first transaction
  • Earn 1 MyCruise point per dollar on all purchases
  • $300 discount on a future cruise
  • No foreign transaction fee on non-US transactions
  • Annual fee: $69
  • 0% Introductory APR
  • Standard APR for balance transfers and purchases: Between 12.99 to 22.99% (Variable; based on the cardholder’s creditworthiness)
  • Balance transfer fee: 3% on each transaction (minimum of $10)
  • Online account handling


With the Celebrity Cruises credit card, you can earn up to 10,000 bonus points on making your first transaction within the initial 65 days of account opening. These points can be redeemed to $100 for onboard purchases. You can even earn 20,000 points, when you make purchases on the affiliated cruises including Royal Caribbean, Celebrity, and Azamara. These purchases will earn you additional onboard credit. You can also earn 1 reward point per dollar on all other purchases.


The Celebrity Cruises credit card offers a discount of $300 on a future cruise. The discount is valid on a minimum stay of 7 nights in a concierge class stateroom, after you spend at least $5000 within the initial 60 days of opening your account. After spending $10,000 within a calendar year, you can earn 10,000 reward points annually. You can redeem these reward points for Royal Caribbean, Celebrity, and Azamara onboard credits, discounts, stateroom upgrades, cruises and more.


The Celebrity Cruises credit card does not charge any foreign transaction fees on non-US transactions. However, there is a balance transfer fee of 3% on each transaction and an annual fee of $69. The $0 liability guarantee will protect you against any fake or fraudulent transactions. You can even use the wide network of ATMS and financial centers of this card.


Online account handling is one of the other features of this cruise credit card. It allows you to securely pay your credit bills online, check available balance, transfer funds, etc. from anywhere at any point of time. Through mobile alerts, you can keep track of all your card transactions and credit payments. Moreover, you will stay updated about the upcoming card features and discounts through our promotional emails.


Bottom line

The Celebrity Cruises credit card is suitable for people who travel a lot, especially by cruise. And, if you mostly travel by Royal Caribbean, Celebrity, or Azamara cruises, then you can opt for this card. This card offers great deals and discounts on onboard purchases and hotel stays. But, if you have a habit of holding balances on your credit card, then you can land up in huge debts, as the card charges a high interest rate of up to 22.99%.

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