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Credit cards with annual fees tend to provide more perks and benefits than no-annual-fee cards. But, depending on your preferences and personal finance goals, you might choose one type of card over the other. The Cruise Privileges Program works with a dozen major cruise lines, like Royal Caribbean, Holland America and Crystal. When you call this specific department at American Express and book with your card, you’ll earn 2X points on the price of a cruise. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved or otherwise endorsed by these entities. For more of our recommendations, compare credit cards to find the right credit card offer for you.
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Cruise line credit cards tend to offer very similar earning structures and bonuses, so there’s not much difference between them. The Carnival World card earns 2x points on cruises on multiple cruise lines, giving you more flexibility. The Norwegian Cruise Line card earns 3x points on Norwegian cruises, 2x points on airline and hotel purchases, and offers more flexibility when it comes to redeeming your points. When deciding which credit card to use for booking cruises, you'll want to consider the rewards a card earns on cruises and benefits like travel and shopping protections. You can also benefit from a card's more specific perks, like statement credits for travel and airport lounge access.
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You can also earn 75,000 bonus miles — worth $750 in travel — when you spend $4,000 within three months of account opening. In addition to great benefits like travel insurance and cell phone protection, the Ink Business Preferred card earns 3x points on travel, including cruises (up to $150,000 per year). Don’t forget you’ll also earn 3x points on flights to get you to your departure port, a hotel room for the night before your cruise, and even your taxi ride to the cruise port. Based on our valuations, that gives you a return of about 6% on your spending.
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Also be aware that the 3% foreign transaction fee can add up quickly. So if you plan to make sizable purchases at your ports of call, it may be wiser to choose a card with no foreign transaction fees. Our editors are committed to bringing you unbiased ratings and information.
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Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service. Another benefit to using a Chase credit card like the Chase Sapphire Reserve card is access to Chase Offers. You’ll often find discounts or rebates for cruises that can help you save money on your vacation. Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements.
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We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points. Yes the Carnival World card can be used anywhere Mastercard is accepted.
With the right credit card for cruising, you can earn bonus rewards for your spending and then use those rewards to cover future sailings and even the travel to and from your cruise. A single card's welcome bonus could potentially cover the cost of a cruise and grant additional perks, such as travel insurance or onboard credits. A cruise is a significant expense, which means it's an opportunity to earn significant rewards.
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Intro APR offers
The Chase Sapphire Preferred® Card offers a welcome bonus of 60,000 points — worth $750 in travel when redeemed through Chase Ultimate Rewards — after spending $4,000 within three months of account opening. With the card’s relatively low spending requirement, anyone can earn $750 toward their next cruise within a short amount of time. The Chase Sapphire Preferred® Card is one of the most well-rounded cards for booking cruises.
If you’re a frequent cruise traveler seeking a premium travel credit card, check out the Chase Sapphire Reserve®. Many travel credit cards can help you to cover the cost of your cruise with rewards, and some can also help with flights and hotels. Note that all of the cards that made our ranking can be used to book cruises with any cruise line, not just with a specific carrier. Students studying abroad will pay no foreign transaction fees (and no annual fee) while earning flat-rate rewards points with flexible travel redemption options. Plus, the intro APR offer makes this a good card for any students who need to make a big purchase or move debt over from another card.
Let’s explore the best cruise credit cards to see which one makes the most sense for you. We receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products.
United has a dedicated booking site for cruises; if you have the United Explorer Card, you can earn some major bonus miles when you book a sailing, too. Depending on the type of cruise and cabin category you choose, you can earn as many as six miles per dollar spent when paying with this card. Travel protections for the card also include trip delay or cancellation coverage, and if your luggage goes missing, you’ll get help from American Express to cover missing necessities. Onboard, the perks await with amenities that vary by cruise line, including welcome bottles of Champagne or behind-the-scenes tours of the ship.
We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Let’s take look at all that the Amex Blue Business Plus card has to offer. They are a convenient way to see many places on a single trip and can provide good value since most of your food and entertainment are included. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.²Eligibility and Benefit level varies by Card.
You’ll also get baggage insurance (up to $1,500), medical coverage (up to $10,000) and emergency evacuation coverage (up to $30,000) — all starting at $49 per person. You can easily earn 2x to 3x points or miles when you pay for your cruise with the right card. Don’t forget to stack these rewards with those offered by the cruise line or an online travel agency. You can use many great websites to book your cruise that offer perks and bonuses like onboard credit or free specialty dining. Using the right credit card to book your cruise allows you to rack up some serious rewards on your booking and protect yourself against a wide range of mishaps.
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