Credit Score: 735 Credit Limit: 4000 Age: 45-54

Posted 04/03 2017

Just got the card recently and do not have enough points. So I am just going to book our next cruise and excursions. After we make our final payment, I am just going to use the points for OBC, which I'll probably use on board for drink packages and maybe a spa package.

 

Credit Score: 804 Credit Limit: 15000 Age: 45-54

Posted 01/24 2017

Using your points for a free cruise is definitely the best bang for the buck "if you could find a cruise that fits the category for points and price of the cruise". From my experience, that rarely happens. So it's either OBC or cruise discounts for me.

 

Credit Score: 774 Credit Limit: 8000 Age: 45-54

Posted 11/16 2016

We have had this card for a few years. We charge everything to the card and typically just use it for on board credit after we make our final payment. We usually get $400 to $500 worth of OBC and that really takes care of almost every on board expenses so I do not get any extra charges on my credit card after the cruise.

 

Credit Score: 705 Credit Limit: 4000 Age: 45-54

Posted 05/15 2015

I did not really have a great experience applying for this card. A year and a half ago, I actually got denied. This was despite having 2 BOA cards and always having paid on time. But I decided to try my luck again and I got approved this time. I thought the limit was a little on the low side to be honest. If I book a cruise with this card, I will be literally using up my whole limit. I have to pay in full for this one.

 

Credit Score: 746 Credit Limit: 5000 Age: 35-44

Posted 01/07 2015

I use this card together with my Capital One Venture to save on my RC cruise. I use the RCCL Visa to pay for my cruises to earn double points. I then either use the points for cruise discounts and statement credit or OBO. I use my Cap One miles for the airfares.