Is 10k the best bonus on the royal caribbean visa? I'm not sure I want another card just for a $100 on board credit. I guess if you have a $5,000 cruise coming up and you purchase it on the card, it's another 10k points for another $100 in on board credit, but for a spend of 5k I'd like to think I can do better on another card (e.g., the starwood card) than a $100 on board credit.