Holland America Line Rewards Visa®

If you sail with Holland America regularly and want a no-annual-fee card that gives you a little extra value back on those purchases, this card makes sense. The appeal is straightforward: you earn elevated rewards with Holland America, avoid foreign transaction fees, and pick up a modest welcome bonus after a low spending requirement.

For most readers, though, this is a narrow-use card. The ongoing rewards rate outside Holland America purchases is just 1 point per dollar, which limits its value as an everyday card. Unless you are committed to using the rewards toward Holland America purchases, a broader travel card or cash-back card will usually give you more flexibility and stronger day-to-day earnings.