Is the Celebrity Cruise Credit Card worth considering?

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Celebrity Cruise Credit Card

Let’s take a closer look at its features and benefits to help you decide.

What are the key highlights of the Celebrity Cruises® Visa Signature® Credit Card?

Celebrity Cruise Credit Card

 

The Celebrity Cruises® Visa Signature® Credit Card, issued by Bank of America, offers the following highlights:

  • Signup bonus: It provides a bonus of 10,000 points that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs: The card has a variable purchase APR ranging from 17.99% to 27.99%.
  • No annual fee*: This card is a great option for those seeking a low-maintenance rewards card without paying an annual fee.
  • Balance transfer fee: A 3% fee is charged on balance transfers, with a minimum fee of $10.
  • No foreign transaction fee: This card does not charge additional fees when you purchase abroad or in a foreign currency.
  • Multiple credit card benefits: Enjoy generous perks like rental insurance, extended warranty protection, travel assistance, and fraud protection.
  • Good credit required: To qualify for this card, you typically need a credit score of 700 or higher.

Q: What are the advantages and disadvantages of the Celebrity Cruises® Visa Signature® Credit Card?

Advantages:

  • No annual fee: You won’t have to pay an annual fee to enjoy the benefits of this card.
  • Multiple credit card perks: The card offers various perks, including rental insurance, extended warranty on purchases, and free access to your credit score.
  • No foreign transaction fee: It’s an excellent choice for international travelers as it doesn’t charge fees for foreign transactions.
  • Earn rewards: Cardholders can earn rewards on purchases made anywhere the Celebrity Cruises® Visa Signature® Credit Card is accepted.
  • Reports to credit bureaus: Using this card responsibly can improve your credit as it reports to major credit bureaus.

Disadvantages:

  • Good credit required: If your credit score falls below 700, your chances of approval may be low.
  • Balance transfer fee: A 3% fee on balance transfers can add to the overall cost.
  • Limited reviews: Currently, there aren’t enough reviews available to provide a reliable community rating for this product.

Does the Celebrity Cruises® Visa Signature® Credit Card have a rewards program?

The Celebrity Cruises® Visa Signature® Credit Card is a rewards card for travelling. It offers rewards at a minimum rate of 1x and a maximum rate of 2x. It offers a signup incentive of 10,000 points that can be used to purchase travel, gifts, or other benefits, and there is no yearly rewards cap.

Are there any introductory APR offers on this card?

The Celebrity Cruises® Visa Signature® Credit Card does not offer an introductory APR for balance transfers or new purchases.

What are the fees associated with the Celebrity Cruises® Visa Signature® Credit Card?

The card fees include the following:

  • Annual Fee: $0 (no annual fee)
  • Foreign Transaction Fee: 0%
  • Returned Payment Fee: $0
  • Late Payment Fee: Up to $40

Does the Celebrity Cruises® Visa Signature® Credit Card charge foreign transaction fees?

No, this card does not charge foreign transaction fees. If you travel frequently or make purchases in foreign currencies, you can save significant money on fees.

Does the Celebrity Cruises® Visa Signature® Credit Card report account activity to credit bureaus?

The Celebrity Cruises® Visa Signature® Credit Card reports your account activity to Equifax, Experian, and TransUnion. Making regular, on-time payments can help improve your creditworthiness.

How can I apply for the Celebrity Cruises® Visa Signature® Credit Card?

To apply for the Celebrity Cruises® Visa Signature® Credit Card, follow these steps:

  1. Visit the Celebrity Cruises® Visa Signature® Credit Card website.
  2. Fill out the application form, providing necessary information like your Social Security Number, address, and annual income.
  3. Verify that all the information is accurate and submit your application.

Considering the features and advantages, the Celebrity Cruises® Visa Signature® Credit Card can be an excellent choice for people with good credit who desire a rewards card without an annual fee. However, due to the paucity of ratings, it’s imperative to thoroughly read the terms and conditions and evaluate them against competing cards to see if it matches your financial objectives and travel preferences.

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