Princess Cruises® Rewards Visa® Card Review

The Princess Cruises® Rewards Visa® Card is a great choice for individuals who are looking to make the most of their cruise experience. This review will provide an overview of the card and its features, as well as discuss how it can benefit potential customers.

The Princess Cruises® Rewards Visa® Card offers various advantages including rewards points, exclusive discounts and complimentary benefits on cruises and onboard purchases. Customers have the opportunity to earn up to three points per dollar spent when they use their card on qualifying purchases with Princess Cruises®, plus one point per dollar spent everywhere else that accepts Visa cards. As an added bonus, there is no annual fee or foreign transaction fees associated with this card.

Furthermore, those who qualify for the Princess Cruises® Rewards Visa® Card can take advantage of exclusive discounts such as reduced deposits on future cruises, access to special events and experiences while aboard, early booking privileges and more. In addition, eligible customers can enjoy complimentary amenities like priority check-in/boarding at select ports and additional onboard credit when sailing with Princess Cruise Lines. Altogether, these offerings could be a valuable asset for frequent travelers looking for ways to save money and enhance their cruising adventures.



The Princess Cruises Rewards Visa Card is a rewards credit card issued by Bank of America. It offers various benefits including 3x points on cruise purchases, 2x points for flights, hotels and car rentals booked through the Princess Cruises website or call center, 1 point per $1 spent everywhere else that Visa cards are accepted, no annual fee and no foreign transaction fees. This card also provides access to exclusive promotional offers from select merchants when using the card at participating stores.

Cardholders can redeem their earned points for onboard credits towards future cruises and discounts on shore excursions as well as travel-related products such as airfare, hotel stays and rental cars booked either directly with Princess Cruises or through its partnership with Bank of America’s Travel Center. Points may also be used to purchase merchandise or gift cards in increments of 500 points. Additionally, customers get unlimited digital subscription to WSJ+ (Wall Street Journal Plus) included with this card membership.


Features & Benefits

Moving on from the overview, this section will take a closer look at the features and benefits of the Princess Cruises® Rewards Visa® Card. This card offers several advantages including rewards points for spending, travel discounts, valuable insurance coverage and access to exclusive events.

The most notable advantage is that customers can earn rewards points every time they use their card while making purchases and paying bills. Points are redeemable for incredible cruise experiences with Princess Cruises®, as well as other travel related options such as hotels, car rentals, airfare and more. In addition to these rewards points, customers receive an automatic onboard credit when they book a qualifying cruise vacation using their card.

This Visa also provides some great protection against any unexpected mishaps during travels by offering insurance coverage such as lost luggage reimbursement, rental car collision damage waiver and emergency assistance services. Furthermore, guests who have this card get invited to special events like advance screenings of movies or concerts hosted by Princess Cruises® throughout the year. With all these exciting benefits in mind, it’s no wonder why many people choose to apply for the Princess Cruises® Rewards Visa® Card.


Rates & Fees

The Princess Cruises® Rewards Visa® Card offers a competitive APR, depending on the cardholder’s creditworthiness. The standard purchase APR for purchases and balance transfers is between 17.99% and 24.99%. Cash advances have an APR of 27.24%, with no penalty APR or foreign transaction fees applied to transactions outside the United States. A minimum interest charge of $1 applies when applicable.

Cardholders can take advantage of their rewards points by redeeming them for flights, hotel stays, car rentals, cruises, gift cards, merchandise and more through the Princess Cruise online redemption portal. In addition, they can also use their points towards onboard credits which must be used during the same voyage as it was earned in order to receive any remaining value not redeemed at checkout.


Eligibility Criteria

The Princess Cruises® Rewards Visa® Card offers a variety of benefits, but there are certain criteria that must be met in order to qualify. To begin with, applicants must have at least an excellent credit score and be 18 years or older. Additionally, the card is only available for U.S. citizens who live in one of the 50 states or District of Columbia. Furthermore, approved applicants will need to provide proof of identity such as a driver’s license or passport, along with other information such as income and employment details.

Approval for this card depends on several factors including creditworthiness and financial history. Those who meet all eligibility requirements may benefit from the rewards program which includes earning points towards cruises and other travel purchases. As well, users can enjoy no foreign transaction fees when making international transactions using their Princess Cruises® Rewards Visa® Card. This card has many advantages so it pays to check if you meet the necessary qualifications before applying.


Pros & Cons

The Princess Cruises® Rewards Visa® Card offers a variety of benefits and features that may be attractive to some consumers.


Ability to earn rewards points for spending on everyday purchases, including 2x the points at restaurants and grocery stores:

  • Airline tickets
  • Hotel stays
  • Gift cards
  • Merchandise from select retailers
  • No annual fee or foreign transaction fees


  • High variable APR ranging from 17.99% to 25.99%.
  • Limited redemption options for rewards points, which can only be used towards travel booked through the card issuer.

Overall, this credit card may not be suitable for all types of consumer’s needs due its limited reward options and high rates. Therefore, it is important to consider your financial goals when selecting a new credit card.



Having discussed the pros and cons of the Princess Cruises® Rewards Visa® Card, it is now time to look at some alternative options. While there are many different cards on the market with exclusive rewards programs tailored for cruisers, none offer as extensive a list of benefits as this one does. However, here are two alternatives that may be more suitable depending on an individual’s needs.

The first option is Carnival Corporation World MasterCard®, which provides cardholders with discounts on select shore excursions and onboard spending credits for every purchase made outside of cruise-related expenses. This card also offers bonus points when booking directly through their website or app. The second option is Norwegian Cruise Line’s® Latitudes Credit Card, which gives members ten percent off certain purchases and access to exclusive events such as priority check-in and cocktail parties. In addition, they have no foreign transaction fees so travelers can save money while abroad.

Both of these alternatives provide great value in comparison to other credit cards available today; however, they do not come close to matching the comprehensive offerings found in the Princess Cruises® Rewards Visa® Card. Ultimately, each individual must take into consideration all aspects of a given reward program when exploring what would best suit them based upon their specific needs and preferences.



The Princess Cruises® Rewards Visa® Card is a great option for those who are frequent travelers with the cruise line. The card offers competitive rates and fees, as well as many features and benefits that make it worthwhile to consider. It also has an attractive rewards program which can be used to get discounts on purchases made both within the cruise line and elsewhere. Furthermore, there are no restrictions on eligibility criteria, meaning anyone can apply regardless of their credit score or financial history. However, like any other credit card product, there are some advantages and disadvantages that should be taken into consideration before making a final decision.

For those looking for alternatives to this particular card, they may want to look at similar products offered by other companies such as Royal Caribbean International®, Carnival Cruise Line®, Holland America Line®, Celebrity Cruises®, Costa Cruises®, Cunard Line® or MSC Cruises®. Each one will offer its own set of features and benefits so researching each carefully is important when trying to decide which one best meets individual needs.

In conclusion, if someone frequently travels with Princess Cruises®, then the Princess Cruises® Rewards Visa® Card could prove beneficial in terms of saving money while travelling with them and gaining access to exclusive perks through their rewards program. For others not necessarily tied to this specific cruise line but still interested in finding a good travel rewards credit card, researching alternative options from the many different providers available would likely provide better value depending on personal preferences.

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