Holland America Line Rewards Visa Card

For People with
Fair Credit



The Holland America Line Rewards Visa Card is worth considering if you travel with Holland America frequently, since you’ll get rewards for every purchase with them.

You’ll get 2X points per dollar for all purchases from Holland America, 1X point per dollar for all other purchases, and you can snag 5,000 bonus points after your first card purchase or balance transfer.

This card has no annual fee.

Card Quick Facts

Card Quick Facts

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 2X points per dollar spent on all Holland America purchases including onboard purchases
  • 1X point per dollar spent on all other purchases

Introductory Bonus

  • 5,000 bonus points after first purchase or balance transfer
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 16.24%, 21.24%, or 26.24% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $39
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 15 billing cycles
Regular Balance Transfer APR 14.24%, 17.24%, or 21.24% Variable
Balance Transfer Fee 3%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 27.49% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Visa Signature® Concierge Service

    Find tickets to the top sports and entertainment events, make dinner reservations and even get help finding and sending the perfect gift. Just call 1-800-953-7392 to speak with your concierge.

  • Visa Benefits

    You will be provided with a list of benefits available to you once you get approved for your card.

  • $0 Fraud Liability Protection

    Cardholders are not held responsible for unauthorized purchases on this card.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:  
 2 reviews
by Christopher Johnson
My everything card

I use my Holland America (HAL) card for everything and pay off the full balance every month. Why do I like it?(1) There is no annual fee.(2) You earn 2 points on all HAL purchases (1 pt on everything else)(3) You can cash in your points for up to 2.5% (depending on the number of points your cashing in).(4) Points are easy to redeem on the card's website.Only thing I can think of that may be a drawback for some people (but it isn't for me) is that points are redeemable only for travel purchases.We use this to offset our HAL cruises. Every three to four years we have enough points accrued to say $2500-3000. We use it to upgrade to a large suite. Since there's no annual fee, this feels totally free.

by Pat McCauley
Holland America Signature Visa

If you have good enough credit score to get this card, don't! It is not worth having. The initial bonus is $50. With what I have already put on it in charges on another card I would have earned $750. Versus $200 on this card. Also they fail to tell you that they only redeem in 10,000 point increments.

The Insider

Susan Shain
6 Best Credit Cards for International Travel
Susan Shain | Aug 16, 2019

Heading abroad soon? Then check out this list of the six best credit cards for international travel — they'll have you traveling in style in no time.

Read More
Sean Messier
How to Build Credit: 5 Ways to Increase Your Credit Scores
Sean Messier | Aug 15, 2019

Using a credit card is far from the only way to build credit. Here, we explore several ways to establish, repair, and improve your credit scores.

Read More
Sean Messier
What Happens If You Don’t Activate a Credit Card?
Sean Messier | Aug 12, 2019

Even if you didn't activate a new credit card, the account is probably open and affecting your credit scores. Read this to learn what to do next.

Read More