Zobel Cruiser Posted January 4, 2021 Report Share Posted January 4, 2021 Hey all! My husband and I have been looking into the RC Credit Card. Our goal would be to use the points to put towards our drink packages. I'd love to hear from all of you who have the card - do you like it? Don't like it? Feel it's worth it? P.S. we're super responsible with our credit cards and have many for points/traveling etc. Don't feel like you need to warn me of the dangers of credit cards Love RC and just looking for a way to use what we already pay for to get us some points towards those expensive drink packages! Thanks!! Quote Link to comment Share on other sites More sharing options...
teddy Posted January 4, 2021 Report Share Posted January 4, 2021 While we’ve come close to getting one a couple times, we couldn’t make the plunge due to the interest rate. While we haven’t carried a balance through a billing cycle on our current card in at least a decade, it has a very, very low interest rate. We’re both very frugal, so even though it’s irrational (based on our history of always paying it off as soon as we get home), we have a hard time getting a credit card with a higher interest rate. Quote Link to comment Share on other sites More sharing options...
WAAAYTOOO Posted January 4, 2021 Report Share Posted January 4, 2021 We use the Royal Caribbean Visa card and we love it. I know that there are other cards that have a better payback, but b/c we use it exclusively for RC purchases and b/c the credit goes directly to your Sea Pass account, we use it a lot. I pay for all of my cruises and all cruise planner purchases with the card as well as use it for all onboard purchases (casino, primarily). It works well for us. Any Royal Caribbean purchase earns double points. The interest rate is awful so as long as you do not carry a balance, you're fine. There is no annual fee. ChessE4, Ogilthorpe, Neesa and 2 others 5 Quote Link to comment Share on other sites More sharing options...
Allen2 Posted January 4, 2021 Report Share Posted January 4, 2021 Quite simply, the rewards amount to one cent per dollar spent (1%) unless (as earlier stated) the expenditures are with Royal Caribbean. Then the payout is roughly 2%. The notable payout exception is one of the 50,000 point awards: "3 or 4 night sailing for two (minimum available oceanview stateroom). Value of cruise fare for two may not exceed one thousand dollars ($1,000 USD value)." If all monies were spent on Royal Caribbean and the full $1,000 value was used for the stateroom, payout approaches 4%. In this case, you would be spending $25,000 with Royal Caribbean for a $1,000 reward. In our experience, some of the RCL sales are not honored when redeeming this award. Drink packages have not been specifically offered, but onboard credit is offered, with the 1% or 2% return. Quote Link to comment Share on other sites More sharing options...
rjweber3 Posted January 4, 2021 Report Share Posted January 4, 2021 We've had the RCL card for about 8 years. No annual fee. It's nice to get the points as OBC. So much so that we don't pay for the drink package. But we only use it for RCL and Celebrity purchases. WAAAYTOOO 1 Quote Link to comment Share on other sites More sharing options...
Cruisegirl1976 Posted January 4, 2021 Report Share Posted January 4, 2021 I have the credit card and used it towards the booze package. I pick and choose which purchases I make with the card. It took me a few years to get enough points to cover the cost of the package. rjweber3 1 Quote Link to comment Share on other sites More sharing options...
JimnKathy Posted January 4, 2021 Report Share Posted January 4, 2021 FYI, Costco's branded VISA card pays 3% for any and all travel and restaurant purchases, 4% on gas, 2% at Costco and 1% on anything else. It has no annual fee for Costco members. rjweber3 1 Quote Link to comment Share on other sites More sharing options...
zjennk Posted January 5, 2021 Report Share Posted January 5, 2021 We have been using the RC credit card for several years now. We use the OBC option and it has paid for a lot of shore excursions and beverage packages. The extra OBC also gives us more freedom to purchase some things onboard that we may not of budgeted for. rjweber3 and JimnKathy 2 Quote Link to comment Share on other sites More sharing options...
JimnKathy Posted January 5, 2021 Report Share Posted January 5, 2021 17 hours ago, zjennk said: We have been using the RC credit card for several years now. We use the OBC option and it has paid for a lot of shore excursions and beverage packages. The extra OBC also gives us more freedom to purchase some things onboard that we may not of budgeted for. If I didn't have the Costco branded VISA card, I'd definitely carry a RCL cc in my back pocket. WAAAYTOOO 1 Quote Link to comment Share on other sites More sharing options...
CruiseGus Posted January 5, 2021 Report Share Posted January 5, 2021 On 1/4/2021 at 10:02 AM, WAAAYTOOO said: We use the Royal Caribbean Visa card and we love it. I know that there are other cards that have a better payback, but b/c we use it exclusively for RC purchases and b/c the credit goes directly to your Sea Pass account, we use it a lot. I pay for all of my cruises and all cruise planner purchases with the card as well as use it for all onboard purchases (casino, primarily). It works well for us. Any Royal Caribbean purchase earns double points. The interest rate is awful so as long as you do not carry a balance, you're fine. There is no annual fee. everything Waaaytooo said are the advantages if you use the card, I still use mine for RC cruise purchases. For me the kicker to get it was the bonus points offered at application with a spend in 1st 3 months (I timed the application and used it to pay off a couple of cruises) fetched something like $100 or $150 on board sign&sail credit. Also remember that if not used in something like 2-3 years (they have a chart on the web site) your points exprire. They don't last forever. ChessE4 and WAAAYTOOO 2 Quote Link to comment Share on other sites More sharing options...
Matt Posted January 5, 2021 Report Share Posted January 5, 2021 On 1/4/2021 at 10:48 AM, Zobel Cruiser said: I'd love to hear from all of you who have the card - do you like it? Don't like it? Feel it's worth it? Check out this review of the card: https://www.royalcaribbeanblog.com/2020/09/10/it-the-royal-caribbean-credit-card-worth-it Quote Link to comment Share on other sites More sharing options...
AshleyDillo Posted January 5, 2021 Report Share Posted January 5, 2021 3 hours ago, CruiseGus said: For me the kicker to get it was the bonus points offered at application with a spend in 1st 3 months (I timed the application and used it to pay off a couple of cruises) fetched something like $100 or $150 on board sign&sail credit. I did it for the same. You get enough points for $100 OBC or $100 cash back with ANY purchase within 90 days of opening. Only reason I signed up for the card was to get the bonus. I get a better kickback on other cards that I have for travel spending. No annual fee so might as well keep it. Another feature I liked was that it doesn't have any surcharge for international spending which a lot of other cards do. Sometimes they do have special cardholder only events on special cruises like the Presidents Cruise. DD474 1 Quote Link to comment Share on other sites More sharing options...
DD474 Posted January 7, 2021 Report Share Posted January 7, 2021 I got the RC Credit Card. I spent $1K and received $100 SBC. Then I purchased the drink package for $700(on sale), and received a $200 credit on the credit card. So the drink packaged ended up costing $500 for two for a week. Quote Link to comment Share on other sites More sharing options...
DD474 Posted January 7, 2021 Report Share Posted January 7, 2021 14 minutes ago, DD474 said: I got the RC Credit Card. I spent $1K and received $100 SBC. Then I purchased the drink package for $700(on sale), and received a $200 credit on the credit card. So the drink packaged ended up costing $500 for two for a week. Find this option. Usually just before you pay for your booking. (when you spend more than 1K in 3 months) Apply today for the Royal Caribbean Visa Signature® card Get a $200 statement credit plus 10,000 bonus points after qualifying purchases. http://www.royalcaribbean.com/content/dam/royal/payment-partners/bank-of-america/bofa_floating_card.png Future card statement credit-$200.00 Quote Link to comment Share on other sites More sharing options...
DD474 Posted January 7, 2021 Report Share Posted January 7, 2021 On 1/4/2021 at 11:02 AM, WAAAYTOOO said: We use the Royal Caribbean Visa card and we love it. I know that there are other cards that have a better payback, but b/c we use it exclusively for RC purchases and b/c the credit goes directly to your Sea Pass account, we use it a lot. I pay for all of my cruises and all cruise planner purchases with the card as well as use it for all onboard purchases (casino, primarily). It works well for us. Any Royal Caribbean purchase earns double points. The interest rate is awful so as long as you do not carry a balance, you're fine. There is no annual fee. We just got the Royal Caribbean Visa card. Just received $100 SBC and a $200 Credit Card Credit. Like you, we'll be using the card the exact same way. WAAAYTOOO 1 Quote Link to comment Share on other sites More sharing options...
livin-the-life Posted January 7, 2021 Report Share Posted January 7, 2021 we use this card for everything..but remember the key is to payoff every month.. no annual fee, but high interest if u carry a balance.. very easy to move pts to on board credit..we have saved several thousand dollars over the past 3 years. WAAAYTOOO 1 Quote Link to comment Share on other sites More sharing options...
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