If you are frequent cruiser on Royal Caribbean, you may be tempted to apply for their credit card. But the Royal Caribbean credit card is for people with established credit. Therefore, you may end up being denied and having a hard inquiry on your credit report. We would recommend you to apply for a credit card which is good for your credit score instead. There are a lot of credit card offers for people with average credit and some offers even come with rewards programs. You can use such card to improve your credit and when your credit is good enough you can apply for the Royal Caribbean credit card, if you still want it of course.