Best Credit Cards for Cruises

By Ashley Eneriz. Last updated 19 November 2019. 0 comments

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After taking a cruise for my honeymoon, I am hooked. Cruises are an affordable way to travel around the world. Your travel costs, lodging costs, and food costs are all packaged together for one price while you enjoy an ocean view. Even better, most cruises offer free entertainment each day of the cruise.

Before you book your next cruise, consider one of these credit cards. You will notice that both cruise-specific cards and general travel rewards cards are included in the list. We didn’t want to give you a list of just cruise-specific cards. This is because many cruise-branded credit cards are just glorified and pricy membership cards. They boast perks, but most of the perks are only tied to that specific cruise line. If you are a cruise fanatic but don’t want to be tied to a certain cruise line, here is a mix of options that will get you on your next cruise sooner. (See also: 5 Best Travel Reward Credit Cards)

Celebrity Cruises® Visa Signature® Card

The Celebrity Cruises® Visa Signature® Card comes with a $69 annual fee but you also get a $300 discount on a future cruise of at least 7 nights, after you make at least $5,000 in transactions within your first 60 days. The card also comes with $50 ChoiceAir Airfare Discount, 50% off second guest at any specialty restaurant, and 10,000 bonus points when you make a transaction within the first 65 days, which can be redeemed for a $100 onboard credit.

As far as cruise cards go, the Celebrity Visa seems to be connected with the most cruise lines, since it has Royal Caribbean and Azamara Club Cruises as sister cruise lines. Cardholders earn two MyCruise points for every dollar spent qualifying purchases on Celebrity Cruises and its sister cruise lines, and one MyCruise point for every $1 spent on all other qualifying purchases. There is no foreign transaction fee with this card.

Norwegian Cruise Line® World MasterCard®

The Norwegian Cruise Line® World MasterCard® is one of the best cruise line cards. Cardholders can earn 10,000 bonus WorldPoints, which is worth $100, after they make their first transaction in the first 90 days. The card also earns triple WorldPoints on Norwegian purchases and one point on all other purchases. Unlike many other cruise specific cards, Norwegian’s WorldPoints can be redeemed for awards outside of the cruise line, such as hotel stays and gift cards to over 100 retailers. Cardmembers will also be the first to know about last-minute redemption offers, such as highly discounted cruises. There is no annual fee and no foreign transaction fee for this card.

Carnival® World Mastercard®

Fans of Carnival Cruises will love the Carnival® World Mastercard®, which gives you 10,000 bonus points after your first purchase, worth up to $100. Get double points for each dollar spent on all Carnival Cruise Lines purchases, including onboard purchases charged to Sail & Sign, Carnival's cashless onboard credit system and one point for each dollar spent on purchases everywhere else. You can redeem your points for statement credit toward a cruise, onboard amenities, gift cards, and merchandise. There are no foreign transaction fees for this card and no annual fee.

Chase Sapphire Preferred® Card

Feel like the Chase Sapphire Preferred® Card makes an appearance on every travel card article? There is a good reason. The Chase Sapphire Preferred Card has an irresistible bonus offer and points can be redeemed towards travel via the Ultimate Rewards portal for 1.25 cents per point. The Chase Sapphire comes with a $95 annual fee. New cardholders can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 in travel when you redeem through Chase Ultimate Rewards®. You can earn a free cruise after just 3 months of opening the card!

The benefits of the Chase Sapphire Preferred do not stop there. Earn 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide. Chase’s definition of travel purchases is very lenient, meaning you can earn double points on your daily Uber or Lyft drive to work. Finally, you will not pay any foreign transaction fees, which is helpful if you shop offshore.

Click here to learn more and apply for the Chase Sapphire Preferred® Card today!

Bank of America® Travel Rewards Visa® credit card

The Bank of America® Travel Rewards Visa® credit card offers unlimited 1.5 points per $1 spent on every purchase, and new cardmembers get 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening — redeemable for a $250 statement credit that can be used toward travel purchases. Points can be redeemed as a statement credit to pay for flights, hotels, vacation packages, and more with no blackout dates and restrictions. This card has no annual fee and no foreign transaction fees.

Click here or call 866-408-2765 to learn more and apply for the Bank of America® Travel Rewards Visa® credit card today!

Capital One® Venture® Rewards Credit Card

The Capital One® Venture® Rewards Credit Card is also one of the most popular travel rewards credit cards available. Although you may not, at first, think of it as a card particularly ideal for cruises, its value is in the ability to earn unlimited 2x miles for each dollar spent on all purchases. You can then redeem your miles for a statement credit against travel purchases, which includes cruises. It has an annual fee of $95, which is waived the first year. Plus, receive up to $100 application fee credit for Global Entry or TSA Pre✓®. New cardholders can earn a one-time bonus of 50,000 miles if you make $3,000 in purchases within 3 months from account opening. This bonus can be used for $500 in travel statement credits.

There is also no foreign transaction fee with this card. Plus, you get other travel benefits such as complimentary upgrades and savings, as well as complimentary concierge service.

Click here to learn more and apply for the Capital One® Venture® Rewards Credit Card today!

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