Princess Cruises® Rewards Visa® Review
Overview
The Princess Cruises® Rewards Visa® is a cash back card from Barclays, running on the Visa network. The Princess Cruises® Rewards Visa® keeps things simple, earning a flat 1x on every purchase with no categories to track or quarterly activations. There is no annual fee, which means every dollar of rewards is pure profit. New cardholders can earn 10,000 points ($100) after $500 in 90 days.
It is built for simplicity. There are no categories to track, no quarterly activations, and no annual fee, which makes it one of the easier cards to set and forget while still earning a respectable flat rate.
Think twice if: you want richer bonus categories or a transferable-points setup for premium travel redemptions.
Our 6.0 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Rewards: how it earns
The Princess Cruises® Rewards Visa® earns a flat 1x on every purchase. On a typical $29,160 of annual average household spending that comes to about $292 back a year, with nothing to track or activate.
| Category | Rate | Notes |
|---|---|---|
| Everything else | 1x | Everything else |
The fine print on rates: Points are worth about 1 cent each and redeem toward Princess cruises and onboard credit. They do not transfer to airline or hotel programs, and the flat 2x on Princess purchases is modest for a cruise card.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Pros and cons
- No annual fee
- Welcome offer worth about $100
- No foreign transaction fees
- Rewards stay locked to this card and cannot be moved to travel partners
The welcome bonus
The current welcome offer is 10,000 points ($100), earned after you spend $500 in 90 days. Valued honestly at a flat 1 cent per point, that is worth about $100. Stacking the welcome offer on top of a typical year of rewards and accounting for no annual fee, the first year is worth roughly $392.
Is it worth the annual fee?
The Princess Cruises® Rewards Visa® has no annual fee, so there is no break-even math to worry about. Every dollar of rewards is profit, and you can keep it open for free, which also helps the average age of your credit over time.
First-year value vs ongoing value
| Welcome bonus | 10,000 points ($100) |
| To earn it | $500 in 90 days |
| Est. first-year value* | $392 |
| Est. ongoing value / yr* | $292 |
The welcome bonus makes year one the high point: roughly $392 in value once you count the bonus, this card’s rewards, and its credits, minus the no fee. After that, the honest figure is about $292 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- Welcome: 10,000 points (about $100) after $500 in purchases in the first 90 days
- Points redeem toward Princess cruises and onboard credit
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
It is best for people who want a dependable everyday rewards card from a major issuer.
Skip it if you want richer bonus categories or a transferable-points setup for premium travel redemptions.
Frequently asked questions
Best-card guides featuring this card
Offer details verified against issuer sources as of August 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
