Does the Celebrity Cruises Visa Signature have an annual fee?

No. Our record lists a $0 annual fee for the Celebrity Cruises Visa Signature.

What does the Celebrity Cruises Visa Signature earn?

2x on Celebrity Cruises and Royal Caribbean purchases, and 1x on other purchases.

Is the Celebrity Cruises Visa Signature worth it in the first year?

Using our illustration ($12,000 of yearly spending, $3,000 of it in Celebrity Cruises and Royal Caribbean purchases), the first year comes out around $450 before credits, including a welcome bonus valued at $300. Year two drops to about $150 before credits.

What credit do I need for the Celebrity Cruises Visa Signature?

Our record lists "Good" credit as the typical target for the Celebrity Cruises Visa Signature. Barclays makes the final decision based on its own criteria.

Celebrity Cruises Visa Signature® Card

Barclays

No Annual Fee

Annual Fee

visaGoodno-annual-feepremium16 days ago

Welcome Offer

30,000 pts(≈ $300)Spend $1,000 within 3 months

OpenCard analysis

Is the Celebrity Cruises Visa Signature Card right for you?

The Celebrity Cruises Visa Signature is a no-annual-fee rewards card from Barclays. Its strongest everyday earning is 2x on Celebrity Cruises and Royal Caribbean purchases, with 1x on most other purchases. With no fee, the question is simply whether 2x on Celebrity Cruises and Royal Caribbean purchases beats what your current card earns there.

Who it's for

✓ People who spend steadily on Celebrity Cruises and Royal Caribbean purchases, where it earns 2x
✓ Anyone who wants Celebrity Cruises and Royal Caribbean purchases rewards without paying an annual fee

Who should skip it

— Heavy spenders outside Celebrity Cruises and Royal Caribbean purchases — everything else earns 1x

First-year value estimate

Welcome bonus

$300

Rewards on spending

$150

Annual fee (year 1)

−$0

Year 1, before credits

$450

Year two, without the welcome bonus: about $150 before credits ($150 in rewards minus the $0 fee).

Assumptions

$3,000 a year in Celebrity Cruises and Royal Caribbean purchases (2x) and $9,000 on everything else (1x) — $12,000 total, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
Welcome bonus: 30,000 MyCruise Points at 1¢ each (OpenCard valuation) ≈ $300.
No annual fee in any year.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-10-03.

How it compares

Royal Caribbean Visa Signature →

Barclays, same $0 annual fee; earns 2x on Royal Caribbean, Celebrity Cruises, and Silversea purchases.

Royal ONE Visa Signature →

Bank of America, same $0 annual fee; earns 3x on Royal Caribbean, Celebrity Cruises, and Silversea purchases.

Carnival Rewards Mastercard →

Barclays, same $0 annual fee; earns 5x on Carnival Cruise Line purchases.

Compare side by side →

Rules and gotchas

The welcome bonus requires $1,000 in 3 months — roughly $333 a month. That fits inside the $1,000 a month in our illustration.

Frequently asked questions

Does the Celebrity Cruises Visa Signature have an annual fee?: No. Our record lists a $0 annual fee for the Celebrity Cruises Visa Signature.
What does the Celebrity Cruises Visa Signature earn?: 2x on Celebrity Cruises and Royal Caribbean purchases, and 1x on other purchases.
Is the Celebrity Cruises Visa Signature worth it in the first year?: Using our illustration ($12,000 of yearly spending, $3,000 of it in Celebrity Cruises and Royal Caribbean purchases), the first year comes out around $450 before credits, including a welcome bonus valued at $300. Year two drops to about $150 before credits.
What credit do I need for the Celebrity Cruises Visa Signature?: Our record lists "Good" credit as the typical target for the Celebrity Cruises Visa Signature. Barclays makes the final decision based on its own criteria.

Earning Rates

2×Celebrity Cruises and Royal Caribbean purchases2x MyCruise points per $1 on qualifying purchases with Celebrity Cruises and Royal Caribbean

1×All other purchases1x MyCruise point per $1 on all other purchases

Other Benefits

Insurance

Sources

Last Updated: Oct 3, 2026