Credit Cards » Credit Card Reviews » Princess Cruises Rewards Visa Card Review 2023
Advertiser Disclosure This website is an independent, advertising-supported comparison service. The product offers that appear on this site are from companies from which this website receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval. This allows us to maintain a full-time, editorial staff and work with finance experts you know and trust. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impacts any of the editorial content on The Smart Investor. While we work hard to provide accurate and up to date information that we think you will find relevant, The Smart Investor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Learn more about how we review products and read our advertiser disclosure for how we make money. All products are presented without warranty.

Princess Cruises Rewards Visa Card Review 2024

The Princess Cruises Rewards offers flexible redemptions and 0% intro APR, but the point rewards rate are quite low.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Princess Cruises Rewards Visa Card

Princess Cruises® Rewards Visa® Card

Rewards Plan

1x – 2x 2 points per dollar on Princess purchases and 1 point per dollar on all other purchases

Welcome Bonus

75,000 miles 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open

Credit Rating

Good – Excellent

0% Intro

15 billing cycles on balance transfers

Annual Fee

$0

APR

20.24% – 29.99%
Princess Cruises Rewards Visa Card

Princess Cruises® Rewards Visa® Card

Rewards Plan

1x – 2x 2 points per dollar on Princess purchases and 1 point per dollar on all other purchases

Welcome Bonus

75,000 miles 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open

0% Intro

15 billing cycles on balance transfers

PROS

CONS

APR

20.24% - 29.99%

Annual Fee

$0

Balance Transfer Fee

5% or $5, whichever is greater

Credit Requirements

Good - Excellent

The Princess Cruises Rewards Visa is a solid card for those who enjoy taking cruises with this line and its sister companies. Since you earn a higher rewards rate for Princess Cruises purchases and can redeem your rewards as statement credit against your cruise purchases, there is the potential to save a great deal.

However, there are some downsides to this card. Firstly, the introductory rate is only available for balance transfers and the standard rate applies to purchases from day one. Next, the benefits package for this card is a little limited. Despite being a co-branded card, there are no perks related to the cruise line, such as a discount for onboard purchases or travel insurance.

So, unless you are highly brand loyal to Princess Cruises, if you are looking for a card that offers a good suite of travel benefits, you may want to consider a general credit card.

  • Introductory APR
  • Flexible Redemptions
  • Free Access to Your FICO Score
  • No Foreign Transaction Fees
  • Access to Concierge Service
  • Security Features
  • Low Rewards Rate
  • No Fixed Redemption Value
  • Balance Transfer Fee

Can I get pre-approved?

There is no option for pre approval on the Barclay’s website, but Barclays may occasionally send out mailers and other marketing material offering pre approval for select customers. This will provide you with a code and link to click to complete your application.

How do I redeem rewards?

You can redeem your rewards for statement credit against cruises, onboard purchases and amenities, discounts on partner airline airfares, or gift cards. However, the redemption value of your points depends on the statement amount. The current values are:

  • One cent per point for statement credit of $50 to $499
  • 25 cents per point for $500 to $2000.99
  • 5 cents per point for $2001 to $4000.99
  • Two cents per point for $40001 or higher.

When you’re ready to redeem your points, you’ll need to log into your account and you can explore the redemption options. From there, you can select which transactions you would like to apply the statement credit to.

In this Review

Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Rewards Simulator: Unveiling Your Potential Benefits

Getting the exact rewards calculation for this card is tough because it depends on how you actually use it. Whether you use it often or only sometimes, and if you use it for certain types of purchases, it affects your rewards.

But no worries, we did some calculations and can give you an estimate of the rewards you might earn with the Princess Cruises card. We looked at how people usually spend on things like groceries, travel, and dining, and came up with an average estimate of the total rewards you could receive.

Princess Cruises® Rewards Visa® Card

Spend Per Category
Princess Cruises Rewards Visa Card
$10,000 – U.S Supermarkets
10,000 points
$3,000 – Restaurants
3,000 points
$5,000 – Airline
5,000 points
$4,000 – Cruise
8,000 points
$4,000 – Gas
4,000 points
Estimated Annual Points
30,000 Points

Pros and Cons

Similar to other credit cards on the market, the Princess Cruises Rewards has its own set of pros and cons

Pros
Cons
Introductory APR
Low Rewards Rate
Flexible Redemptions
No Fixed Redemption Value
Free Access to Your FICO Score
Balance Transfer Fee
No Foreign Transaction Fees
Access to Concierge Service
Security Features

New customers can enjoy a 0% APR for 15 billing cycles on balance transfers. However, you need to have the balance transfer post to your account within 45 days of opening your account and balance transfer fees still apply.

If your balance transfer does not post within 45 days, the standard APR of 20.24% – 29.99% will apply.

Many co-branded credit cards typically have fairly rigid redemptions, but this is not the case with the Princess Cruises Rewards Visa. With this card, you are not limited to only Princess Cruises.

You can redeem your points for statement credit towards Carnival Cruises, Cunard Line, Costa Cruises, Holland America Line, P&O Cruises, Seabourn, Fathom and Aida. There are also other travel related redemption options along with gift cards.

With this card, you can enjoy free access to your FICO score online via the Barclays website or app. This means that you can monitor your credit score and check to see what impact your activities have on your credit score

You won't be charged any fees for making purchases abroad with the Princess Cruises card.

Cardholders can receive personal assistance via phone. This includes recommendations or reservations for travel, dining, entertainment and more. While the concierge service is free of charge, you will be responsible for any associated charges for the products or services that you receive.

The rewards rate is low compared to top travel cards. There are cards that offer 5X, 10X, and even 20X points when it comes to their brand. 

Although there are multiple redemption methods available, the redemptions can be a little complicated, since there is no fixed redemption value.

This card has a tiered system for redemption values, so the more you redeem for statement credit, the higher the redemption rate.

While there is a 0% APR introductory period, you not only have to have the transfer posted to your account within 45 days of opening your account, but you will need to pay a balance transfer fee. 

The fee is $5 or 5%, which can add up to hundreds of dollars on a large transfer.

The Princess Cruises Rewards Visa has a decent suite of security features including $0 fraud liability protection. This means that you won’t be held responsible for any unauthorized or fraudulent charges on your account.

The card also features chip technology for greater security when you’re paying for your purchases at chip terminals both here and abroad.

Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Is the Princess Cruise Rewards Card Right for You?

Since this is a co-branded credit card, it is obviously designed for those who are brand loyal to Princess and take cruises on a regular basis. This will not only allow you to get the most reward points on your purchases, but you can get the best redemption rates.

The card could also be a good choice for those who aspire to take a cruise, but need to pay down a credit card balance. Since the card offers a generous 0% APR, it could make it easier to clear an existing credit card debt and earn rewards on your purchases. 

If you would like to check more alternative travel cards, here are some good candidates:

Card
Rewards
Annual Fee

chase_sapphire_preffered

2X – 5X 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
$95

Holland America credit card

1x – 2x 2 points per dollar on all Holland America purchases, including any onboard purchases. 1 point per dollar on all other purchases.
$0

bank of america royal caribbean credit card

1x – 2x 2x on Royal Caribbean and Celebrity Cruises and 1x on all other purchases
$0

Wells Fargo Autograph

1X – 3X 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Also, earn 1X points on other purchases
$0

Carnival World Mastercard review

1x – 2x 2x FunPoints for every dollar spent with Carnival Cruises and World Leading Cruise Lines brands and 1x FunPoints on all other purchases
$0

1X – 10X

5X total points on air travel and 10X total points on hotels, car rentals and dining when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases.

$550

amex platinum

1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases

FAQs

There are no official income requirements for this card, but you do need to have good to excellent credit to qualify. This means that while income is a factor, it is not the only consideration when your application is being evaluated for an approval decision.

This card is not a good idea if you don’t take cruises regularly. Since the rewards and redemptions are weighted towards Princess Cruises, you won’t be able to get the best value from this card unless you book cruises at least once per year. In this case, you would be better suited to a general travel rewards credit card.

Although this is a travel themed credit card, the Princess Cruises Rewards Visa does not offer travel insurance, regardless of whether you purchase your fares with your card.

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Search
Best Cards Per Category
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

#1 In credit Cards

Our Newsletter

Sign up to our newsletter for secret credit card tips, insider advice, and exclusive deals straight to your inbox

Start saving smarter with

Our Credit Card Newsletter

Sign up for our newsletter and gain access to expert advice,
insider knowledge, and exclusive offers

Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.