I am so unsatisfied with my Celebrity credit card that I hardly use it anymore. Put aside for the moment the fact you only get 1% credit for most purchases (a bit more for Celebrity related charges) but to say the card is not user friendly is an understatement. Every time I try and redeem points for a cruise there seems to be a problem and everyone involved just blames someone else. "It's Celebrity's problem! It's Visa's problem! Call your travel agent!" Etc, etc. I still have the card but no longer use it as my go to, only for my cruise payments.
On the other hand my transatlantic on the Apex is less than two months ago and I can't wait!