Does the Royal Caribbean Visa Signature have an annual fee?

No. Our record lists a $0 annual fee for the Royal Caribbean Visa Signature.

What does the Royal Caribbean Visa Signature earn?

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

Is the Royal Caribbean Visa Signature worth it in the first year?

Using our illustration ($12,000 of yearly spending, $3,000 of it in Royal Caribbean, Celebrity Cruises, and Silversea purchases), the first year comes out around $325 before credits, including a welcome bonus valued at $250. Year two drops to about $75 before credits.

What credit do I need for the Royal Caribbean Visa Signature?

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

Royal Caribbean Visa Signature® Card

Barclays

No Annual Fee

Annual Fee

visaGoodno-annual-feepremium16 days ago

Welcome Offer

50,000 pts(≈ $250)Spend $1,000 within 3 months

OpenCard analysis

Is the Royal Caribbean Visa Signature Card right for you?

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

Who it's for

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

Who should skip it

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

First-year value estimate

Welcome bonus

$250

Rewards on spending

$75

Annual fee (year 1)

−$0

Year 1, before credits

$325

Year two, without the welcome bonus: about $75 before credits ($75 in rewards minus the $0 fee).

Assumptions

$3,000 a year in Royal Caribbean, Celebrity Cruises, and Silversea purchases (2x) and $9,000 on everything else (1x) — $12,000 total, about $1,000 a month.
Rewards valued at 0.5¢ per Royal Caribbean Points (OpenCard valuation; cash-out value can be lower).
Welcome bonus: 50,000 Royal Caribbean Points at 0.5¢ each (OpenCard valuation) ≈ $250.
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

Celebrity Cruises Visa Signature →

Barclays, same $0 annual fee; earns 2x on Celebrity Cruises and Royal Caribbean 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 Royal Caribbean Visa Signature have an annual fee?: No. Our record lists a $0 annual fee for the Royal Caribbean Visa Signature.
What does the Royal Caribbean Visa Signature earn?: 2x on Royal Caribbean, Celebrity Cruises, and Silversea purchases, and 1x on other purchases.
Is the Royal Caribbean Visa Signature worth it in the first year?: Using our illustration ($12,000 of yearly spending, $3,000 of it in Royal Caribbean, Celebrity Cruises, and Silversea purchases), the first year comes out around $325 before credits, including a welcome bonus valued at $250. Year two drops to about $75 before credits.
What credit do I need for the Royal Caribbean Visa Signature?: Our record lists "Good" credit as the typical target for the Royal Caribbean Visa Signature. Barclays makes the final decision based on its own criteria.

Earning Rates

2×Royal Caribbean, Celebrity Cruises, and Silversea purchases2x points per $1 on qualifying purchases with Royal Caribbean Group brands

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

Other Benefits

Insurance

Sources

Last Updated: Oct 3, 2026