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Card Economics
- Annual Fee
- $99
- Ongoing Annual Value
- −$33
- First-Year Value Estimate
- $449
- Net Value
- −$132
Card type: PersonalForeign transaction fee: NoneCurrency: Royal Caribbean Points
Earning Structure
4XRoyal Caribbean, Celebrity Cruises, and Silversea purchases4%
2XDining2%
2XEV charging2%
2XFlights2%
2XGas Stations2%
2XGrocery Stores2%
2XHotels2%
1XAll other purchases1%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Worth it for me?Credits & Perks (2)
- Annual Cruise Discount: $200 (Annual Cardmember Year)
$200 cruise discount awarded on the account anniversary after spending $20,000 on purchases within the prior anniversary year.
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers the Global Entry or TSA PreCheck application fee. Up to $120 in statement credits every four years.
Other Perks
- Priority suite boarding through the suites lane at the cruise terminal
- Priority luggage handling
- Points worth 1 cent each toward cruise discounts or onboard credit with Royal Caribbean, Celebrity Cruises, or Silversea
- Points do not expire and there is no cap on rewards
