What bank does Royal Caribbean use?

This credit card program is issued and administered by Bank of America, N.A.



Royal Caribbean Group maintains a multi-faceted banking relationship, but for its primary consumer-facing financial services in 2026, it partners with Bank of America. This is most visible through the "Royal Caribbean Visa Signature" credit card, which is issued and managed by Bank of America. For its massive corporate treasury operations and multi-billion dollar ship financing, the company utilizes a syndicate of global investment banks, frequently including JP Morgan Chase and Citibank. Onboard the ships, the "SeaPass" account system acts as a closed-loop credit system, which then settles transactions through major global processors. If you are a passenger in 2026, your "onboard credit" and final folio charges will likely be processed through Bank of America’s merchant services, making them the primary financial intermediary for the average cruiser's day-to-day spending and reservation payments.

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The account can be set-up with either a credit card, debit card or as a cash account during check-in or at the pier. You can also add guests from your stateroom or another stateroom as authorized purchasers on your account. For each purchase made onboard the ship you will receive a receipt.

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Total debt on the balance sheet as of September 2023 : $20.56 B. According to Royal Caribbean's latest financial reports the company's total debt is $20.56 B.

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When it comes to luxury cruises, nobody does lavish like Royal Caribbean. Unforgettable adventures call for an unforgettable oasis where you can rest and recharge in between thrills.

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There is a USD$500 daily spend limit for sailings seven nights or longer and a USD$300 daily spend limit for sailings 6 nights or less on cash accounts. All cash accounts are reviewed on a daily basis. The ship will inform you once your daily cash limit is reached.

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The average Royal Caribbean Group hourly pay ranges from approximately $17 per hour for a Guest Service Representative to $67 per hour for a Senior Software Engineer. Royal Caribbean Group employees rate the overall compensation and benefits package 3.9/5 stars.

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The average Royal Caribbean Group hourly pay ranges from approximately $15 per hour for a Guest Service Representative to $70 per hour for a Senior Software Engineer. Royal Caribbean Group employees rate the overall compensation and benefits package 3.9/5 stars.

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If you wonder whether cruise ships have jails, the answer is yes. Jails are called brigs on a cruise ship and tend only to be used in serious circumstances when no other options are available. Cabin arrest is typically used before the brig is needed. Find out more about us here.

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Is Royal Caribbean Group a good company to work for? Royal Caribbean Group has an overall rating of 4.0 out of 5, based on over 2,707 reviews left anonymously by employees. 78% of employees would recommend working at Royal Caribbean Group to a friend and 74% have a positive outlook for the business.

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The revenue of Royal Caribbean Cruises worldwide bounced back in 2022, following a dramatic drop with the onset of the coronavirus (COVID-19) pandemic. Despite the sharp annual increase, the company's global revenue remained below pre-pandemic levels, amounting to around 8.8 billion U.S. dollars in 2022.

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Debit card This method of payment is not recommended. If you use a debit card, a request for pre-authorization will be made by the cruise line to ensure the availability of funds. This request will freeze the pre-authorized amount for up to 30 days.

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Royal Caribbean guests wishing to purchase a drink package can do so either prior to their cruise via the Cruise Planner web site or once onboard their ship. Once purchased, you must pay for the package for the duration of your cruise.

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This card is set up before boarding and serves as your ID to get on and off the ship, provides you access to your cabin and makes for easy swiping when you decide you need a pina colada. You can either link your card to a debit or credit account, or provide cash up front to fund your onboard spending.

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