Royal Caribbean® Visa® Credit Card

Credit Card Rate Information:

Purchase

Balance Transfer

Cash Advance

Index:

Prime

Margin:

17.74

17.74%

APR:

20.99% Variable

20.99% - 24.99% Variable

APR Floor:

None

Intro Rate:

None

N/A

Intro Period:

N/A

Finance Calculation Method:

Average Daily Balance

Purchase Grace Period:

25 days

Default/Penalty APR:

Up to 29.99% Variable

Default/Penalty Margin:

26.74

Default/Penalty APR Floor:

None

Maximum Default APR:

29.99%

Penalty/Default Trigger:

This APR may be applied to new transactions on your account if you make a late payment.

Credit Card Fee Information:

Annual Fee:

$0

Foreign Transaction Fee:

3%

Late Fee:

See Special Notes

Over-the-limit Fee:

$0 min.

Balance Transfer Fee:

Cash Advance Fee:

See Special Notes

Notes:

Rebate Description:

Get 10,000 Bonus Royal Points after your first qualifying transaction. Earn 2 Royal Points per $1 in qualifying Royal Caribbean International purchases. Earn 1 Royal Point per $1 on all other net retail purchases. Start redeeming rewards at 10,000 points. Redeem Royal Points for onboard credits, stateroom upgrades, discounts, free cruises and more.

Special Notes:

Cash Advance APRs: 20.99% APR for Direct Deposit and Check Cash Advances, and 24.99% APR for Bank Cash Advances. Cash Advance Fees: Direct Deposit and Check Cash Advances are either $10 or 4% of the amount of each transaction, whichever is greater; ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances are either $10 or 5% of the amount of each transaction, whichever is greater. Penalty Fees: If your Total Minimum Payment Due is not received by your Payment Due Date, a Late Payment Fee of $25 will be assessed; $35 for subsequent occurrences that are within 6 billing cycles of a previous occurrence. However, the Late Payment Fee will not exceed the total minimum payment that was due. If your balance is $100 or less on the Payment Due Date, card company will not assess a Late Payment Fee. The Returned Payment Fee will not exceed the total minimum payment that was due. Penalty APR: Up to 29.99%, based on your creditworthiness. The Penalty APR will not exceed 29.99% on new transactions. There is no Penalty APR on existing balances.

Card Issued By:

Bank of America

General Correspondence Address:

PO Box 53132, Phoenix, AZ, 85072

Card Type:

Visa

Card Class:

Platinum

Card Category:

Reward, Travel

States Available In:

ALL