It's a poor card for anything other than the signup bonus (and, as was pointed out, not even great for that). The best you can do is 2%, and you can get any number of no-fee cards that give you 2% back on all purchases and give you cash. You can get 3% back on travel on the Costco card and AAA (but I'm not sure of the status of that) When you use it for Celebrity charges, you'll have to wait until your NEXT cruise before you redeem it. Think about the people with points during the cruise shutdown during Covid, unable to cash out their points.

BTW, when you get the $250 OBC, it should be refundable at the end of the cruise if you do not spend it all. Don't blow it on stuff you don't need