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SeaMiles® Visa® Rewards

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Issued by Chase   Categories: Reward - Travel
SeaMiles® Visa® Rewards Overall Rating

Benefit Rating

The SeaMiles® Visa® Rewards, issued by Chase, is designed for those with very good credit who enjoy taking cruises and plan to take advantage of the rewards program offered.

Through the rewards program, one point is earned for every dollar spent on general purchases and three points are earned for every dollar spent on cruises booked through SeaMiles or one of their designated travel agents. Points are redeemable for travel on any cruise line. There are no point restrictions or blackout dates.

Aside from the rewards program, the card offers common signature cardholder benefits such as travel accident insurance, auto rental insurance, and various travel and emergency assistance services.

The card has no annual fee and offers a 0% introductory rate for purchases and balance transfers for the first six months. Once the introductory rate expires, the interest rate for purchases and balance transfers is above average.

Therefore, those who plan to pay in full each month after the introductory rate expires (to avoid finance charges) and plan to use their card regularly to purchase cruises (to earn additional points) will benefit most from what the SeaMiles® Visa® Rewards has to offer.


Most Attractive Feature(s): No annual fee; reward program; common signature benefits.
Least Attractive Feature(s): No extraordinary benefits or discounts offered to cardholders aside from the reward program.

Additional Perks

See website for additional benefits.

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Rates & Fees
  • Introductory Rate: 0% APR for 6 Months
  • Introductory Rate Details: None
  • Applied Towards: Purchases, Balance Transfers
  • APR (Purchases) %: 16.24
  • APR (Cash Advances) %: 23.24
  • Grace Period: 20 Days (Min.)
  • Finance Configuration: Average Daily Balance (including new purchases)
  • Annual Fee: $0
  • Additional Cardholders: $0
  • Application Fee:
  • Minimum Credit Limit:
  • Maximum Credit Limit:
  • Late Payment Fee: $15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 and over
  • Over-The-Limit Fee: $0 for Signature; $39 for Platinum
  • Cash Advance Fee: 3%, $10 minimum
  • Balance Transfer Fee: 3%, $5 minimum, $99 maximum
  • Important Notations: See website for complete terms and conditions of card usage and application disclosure.
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* See the online credit card applications for details about Terms and Conditions of offer.

Note: The credit card information is believed to be accurate during the update. However, all information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions Statement that accompanies the credit card application. When you click on the " Apply " button you can review the credit card Terms and Conditions on the credit card issuer's web site.

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