Monday, April 1, 2024

Best Credit Cards for Cruises

cruise credit card

Especially when you opt for The Blue Business® Plus Credit Card from American Express. The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads. With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x. Keep an eye out for Amex Offers on cruises — you can stack these rewards with other points and perks offered by your American Express card. Paying for your next cruise with the right credit card can help keep you from breaking the bank.

Our top picks of timely offers from our partners

cruise credit card

The pause has led to pent-up demand, as travelers are ready to explore the epic new ships, glamorous itineraries, and never-before-seen dining experiences that are waiting for them at sea. Get proven ways to earn extra cash from your phone, computer, & more with Extra. Plus — expert strategies to maximize your points & miles by joining our (free) newsletter. Get the latest travel tips, crucial news, flight & hotel deal alerts...

Award vs. cash calculator

In the right hands, the classic status card’s staggering annual fee is well justified. Try this out on… Azamara Onward, the fourth ship for the newly independent cruise line. This summer, it is sailing to the Mediterranean before heading to the Caribbean later this year. If you like the small-ship sailing experience, Azamara offers great value.

How do I book a cruise with Chase Sapphire Preferred?

Jon has been featured in local and national publications and as a speaker at various seminars across the world. Combining his deep knowledge of credit cards, rewards programs, airlines and hotels with his unique style and sense of humor, Jon makes the complex web of these programs more fun and easy to understand. He lives in Seattle with his husband Ben and their 4-year-old beagle pup.

Chase Sapphire Preferred Card: Best for its bonus offer

That said, we’ve used this card to purchase gift cards at U.S. supermarkets and still earned points, so your experience may vary. Plus, the Chase Sapphire Reserve card earns Chase Ultimate Rewards points. When you pay for your cruise with your Chase Sapphire Reserve card, you’ll earn 3x points. According to our points and miles valuations, Ultimate Rewards points are worth ~2 cents each, which means you’d be getting a ~6% return. If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there. If you're dreaming of a Mediterranean cruise, travel to Europe will add to the cost of the trip.

American Express® Green Card

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The card offers elevated rewards on dining and travel purchases, including cruises. Rewards points are transferable to a number of air and hotel programs. Like our other flexible card recommendations, you can either earn points by paying for your cruise with the card or redeem points by purchasing your cruise through Bilt’s travel portal. Also our pick for best mid-tier travel rewards card, the Chase Sapphire Preferred® Card offers excellent perks for the price. Travel purchases, including cruises, earn elevated rewards when booked through the Chase Travel℠ portal. Alternatively, if you’ve saved up a stash of Chase Ultimate Rewards® points, you can use them to pay for all or part of your cruise.

Rewards cards, in general, including cruise credit cards, typically require good to excellent credit as defined by FICO. A score in the “good” range of 670 to 739 may be sufficient for a basic rewards card, but for the strongest rewards you can expect to need a score of 740 or higher to qualify. It’s easy to collect points quickly since you’ll earn at least two points on all eligible purchases. If you book travel through the Capital One Travel portal, you can earn five points per dollar on your flight purchases to get you to your departure port.

How to choose the best credit card for cruises

So while we generally don’t recommend these cards, we wanted to mention them for those rare times when they may make sense. This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations. This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.

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Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. That said, if you do opt for a cruise line co-branded credit card, look for one that offers perks like onboard credits and other cruise upgrades. Another benefit is that you’re not locked into a specific rewards currency. For example, the best redemptions on the Carnival World Mastercard are for Carnival cruises and related purchases.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. The best card for you should earn the most rewards in the categories where you spend the most.

Points can be redeemed for a credit on your statement, gift cards, a deposit into a Bank of America® or Merrill account (checking, savings or 529 plan) or travel booked through the Bank of America® Travel Center. Note that the availability of different cruise lines could vary between credit card reward travel portals. If you want to guarantee that you can use rewards to cover a cruise, consider credit cards that offer statement credits to cover past travel purchases.

You may want to use your points and miles for a cruise, but the actual cruise fare is likely to be just a small portion of what you spend in a year. If your card earns bonus points on dining or groceries, you may be able to earn rewards more quickly and book your next sailing sooner. Always dreaming about the next destination, credit cards specialist Barbara King is an avid traveler who optimizes her adventures through the use of points and miles. Barbara has earned and redeemed millions of credit cards points which has enabled her to explore over 50 countries on six continents, enjoying both budget and luxury travel. For more than 10 years, Jon Nickel-D'Andrea has been a sought-after expert on how to travel the world using rewards points and miles.

The Chase Sapphire Reserve® is the higher-end version of the Chase Sapphire Preferred Card, geared toward more frequent and premium travelers. For more details, please see our full review of the Altitude Reserve. For more details, please see our full review of the Chase Sapphire Reserve. For more details, please see our full review of the Chase Sapphire Preferred. For more details, please see our full review of the Capital One Venture X.

Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. See our methodology for more information on how we choose the best credit cards. However, the rewards aren't anywhere nearly as lucrative as what you'll get with a travel credit card that earns flexible rewards.

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