Spending more with your credit card won't bump you up to platinum status, but it could get you a free cruise. General travel credit cards offer bonuses that are worth much more than this sometimes providing more than $1,000 in value. When evaluating offers, please review the financial institutions Terms and Conditions. Timing your cruise booking just right will allow you to pay interest-free installments. Disney cruises are among the most popular (and often priciest) of cruise options. Why we like it: It earns 2X miles per $1 spent on all purchases, including travel and cruises. But the amount of points needed to redeem varies by how large your cruise purchase is, making the program confusing and cumbersome. The points it earns, however, are worth 2 cents apiece according to TPG's valuations. The U.S. Bank Altitude Connect Visa Signature Card also comes with cell phone protection, so your phone is protected on the high seas and on dry land. The information for the Carnival card has been collected independently by The Points Guy. This card is similar to the consumer version that Amex offers, but with more business-oriented perks around statement credits and earning rates that are a better fit for business owners. If you want time to pay for your cruise in installments, book early. In fact, cruise line-affiliated credit cards are only an option among the biggest names in mainstream cruising. CLEAR is available at more than 50 U.S. airports and stadiums. Points can usually be redeemed toward onboard credits, but some card issuers allow customers to redeem points toward partner flights, car rentals, and hotel stays. Plus, the card earns 5X on prepaid hotels and car rentals booked through the Altitude Rewards Center, 2X on dining, streaming services and grocery store purchases, and comes with a $30 annual credit on streaming services. The annual percentage rate on charges is 13.99 to 20.99 percent, depending on creditworthiness. Compare the cost in points or miles to cash, and see which option is best. In that case, a cruise credit card might suit your goals just fine. Holland America Pre-authorization hold: $60 per person, per day MSC Cruises Pre-authorization hold: US $250 Norwegian Pre-authorization hold: 7 day cruise: $300 per person; less than 7 days:. Details: The Chase Sapphire Preferred Card is a traveler favorite because of its solid rewards rate, versatile Ultimate Rewards points and a midtier price point. The earning rate is the same on both versions of this card. Terms apply see rates and fees. While you have to spend $4,000 within three months to earn the Sapphire Preferred's sign-up bonus, it's a much more generous 60,000 points (worth $1,200). Read consumer reviews on the card as well. In general, co-branded cruise line cards are underwhelming. Here are a few money-saving tips to help you plan your next solo trip. Heres what we thought Amex Platinum Equinox credit switching to annual: Easier to use, Boosted Southwest credit card offers: Earn 75,000 Rapid Rewards points. Both versions of the card have no foreign transaction fees. Terms Apply. This is a run-of-the-mill co-branded card that earns 2X points per dollar on qualifying cruise purchases and 1X points on all other purchases. All financial products, shopping products and services are presented without warranty. The Points Guy Exclusive Offer: Earn 150,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership. Name: Disney Visa Card and Disney Premier Visa Card. Depending on the size of your account, you can get a rewards boost from 25% to 75%. Royal Caribbean Visa Signature Credit Card. A few cruise options will display there, but youll have to call Chase's Cruises and Tours department to book. Editor's Note: We have a few friends who have lost all of their reward points on cruise line credit cards when the bank/cruise line affiliation was discontinued and the type of card they had ceased to exist. And even if you dont see a great cruise option in a search, you may be able to book cruises that aren't listed when you call Chase. In fact, cruise line-affiliated credit cards are only an option among the biggest names in mainstream cruising. When compared with other "flexible currency" cards, their value pales in comparison. How do I Earn Membership Rewards Points? Should you cancel your cruise credit card? Plus, the card comes with an annual credit of up to $100 at Saks for pre-cruise shopping. Celebrity Cruises Visa Signature Credit Card (12) Annual Fee: $69 APR: 16.99% to 24.99%*V Foreign Transaction Fee: 0% How Do You Earn Points: REVIEW COMPARE Holland America Line Rewards Visa Card (11) Annual Fee: $0 APR: 15.99%, 20.99% or 25.99%*V Foreign Transaction Fee: 0% How Do You Earn Points: REVIEW COMPARE That's a $500 value redeemable towards travel, gift cards, cash back, merchandise and more. Cardholders can earn 10,000 bonus WorldPoints, which is worth $100, after they make their first. #3. Additional year-round perks are available for all card members, including onboard credit offers and discounts for onboard services and discounts at Disney stores, theme parks and resorts. But the amount of points needed to redeem varies by how large your cruise purchase is, making the program confusing and cumbersome. Cruise-related perks for cardmembers: Get 10% back as a statement credit when you book a Carnival shore excursion on Carnival.com prior to your cruise and pay with your Carnival credit card. Points earned on both the Royal Caribbean and Celebrity versions of the card can be redeemed for purchases on either cruise line. The key change will be that prices at the cruise line's steakhouses will . Unlike hotel- and airline-affiliated credit cards, cruise credit cards are not linked to the cruise operators' loyalty programs. also comes with luxury travel perks that can make your journey to the cruise ship more pleasant when you enroll, like automatic hotel elite status and airport lounge access. But its tiered rewards redemptions can be hard to navigate. Just my two cents. I get $300.00 OBC each cruise and on NCL, I get a dinner for two in the French Restaurant. annual fee 1 Rewards Earn 10,000 bonus points after you use your card for the first time - that's enough to redeem for a statement credit of up to $100 toward your next cruise purchase. Earn 1 point for every $1 spent on all other purchases. The Platinum does not give much bonus cash back for cruises either. Each point is worth 1 cent, no matter how you use them. Its easy to use rewards to book a cruise. That card allows holders to redeem points at a higher value of 1.5 cents each for travel through U.S. Plus, you'll earn bonus points on additional spending categories, including dining, streaming services and online grocery purchases. Cruise Lines International Association (CLIA) Reveals Growth in Global and North American Passenger Numbers and Insights. In fact, the two points-earning programs are entirely separate. Rates vary from agency to agency and they are subject to change at any time. So, for example, a $100 credit toward onboard purchases can be had for 10,000 points. Flexible rewards credit cards have more redemption options, often provide heftier bonuses for new cardholders and usually earn more points in many categories. The Cruise Privileges Program works with a dozen major cruise lines, like Royal Caribbean, Holland America and Crystal. Reddit and its partners use cookies and similar technologies to provide you with a better experience. The information for the Princess Cruises card has been collected independently by The Points Guy. Of the 18 lines surveyed, only six had co-branded credit cards:. These might include typical credit card characteristics, like the annual percentage rate (APR) if you carry a balance. The problem is the cruise-line cards themselves have paltry bonuses, usually amounting to $100. General Discussion | Credit Cards Cruise Line Credit Card . Royal Caribbean's sign-up bonus is easier to earn; you get 10,000 points (worth $100) after your first purchase on the card. Other cardmember perks: Enjoy a 0% introductory APR for the first 15 billing cycles on balance transfers initiated within 45 days of account opening. Open a rewards credit card with travel redemption. If you charge $3,500 within the first 90 days of membership, you'll receive "buy one, get one free" airfare. APR: 15.99% (variable with prime rate) Redeem for: statement credit, cruise credit, theme park entry, dining, souvenirs, movie tickets, Disney Store purchases (both cards); flight credit (Premier Visa only) Earning structure: Earn 3 WorldPoints for every dollar spent on Norwegian Cruise Line purchases, 2 points per dollar on eligible airline and hotel purchases and 1 point per dollar on all other purchases. For more information on that check out r/churning or r/creditcards and r/awardtravel. Each day, after the onboard credit had run out, my credit card was charged once for purchases that day. All rights reserved. For many travelers, a general-purpose travel credit card can offer more flexible ways to earn and redeem points. There are major cruise lines that circle the world and boutique cruises with smaller ships and highly specialized itineraries. The information for the Holland America Visa card has been collected independently by The Points Guy. Related: A beginners guide to cruise line loyalty programs. All financial products, shopping products and services are presented without warranty. You do not need a credit card to enjoy a cruise vacation. They tend to offer subpar welcome offers and ongoing rewards, confusing redemption options, and, of course, the biggest drawback is that they lock you into using your credit card rewards solely on a cruise. And just as you have many cruise options to choose from, there are numerous credit cards you could choose to pay with. Earning structure: Earn 2 FunPoints per dollar spent with Carnival Cruise Line and World's Leading Cruise Lines (which includes Princess Cruises, Holland America, Cunard, Seabourn, Aida, Costa and P&O Cruises) and 1 FunPoint per dollar on all other purchases. That's $750 toward travel when you redeem through Chase Ultimate Rewards. Cruise Layaway. This lets you pick an inside cabin and upgrade to window (meta) or balcony (double-cross). If those points were earned at the rate of one point per dollar in charges (as they will be in the great majority of cases) that $100 credit would amount to getting a 1 percent rebate on $10,000 in charges. You'll receive a signup bonus of 5,000 Princess Points after the first use. Plus, the card earns 5X on prepaid hotels and car rentals booked through the Altitude Rewards Center, 2X on dining, streaming services and grocery store purchases, and comes with a $30 annual credit on streaming services. Why we like it: It earns 2 points per $1 spent on travel (including cruises), as well as bonus rewards on a variety of popular spending categories, including dining. Bonus: Earn 80,000 Membership Rewards points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Bonus: Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel. Details: Youll earn 2X miles on every purchase, every day. Cruise credit cards typically offer a welcome bonus of a few thousand points or a statement credit after you spend a certain amount within the first few months of card membership. Check here before booking an award fare. Carnival Cruise Line first began issuing gift cards on December 5, 2012, replacing earlier gift certificate programs. So how do we make money? The minimum credit request is $5,000. Last Minute Bookings For bookings when payment must be received by Carnival Cruise Line in less than 24 hours, only the following forms of payment will be accepted for your cruise reservation. Fine print: The card does not carry an annual fee. Plus, it offers travel protections. To view rates and fees of The Platinum Card from American Express, see this page. But does it make sense to get a cruise credit card versus a different type of rewards card? Disney Movies Redeem Rewards Dollars toward the latest Disney movies at AMC Theatres. Get an American Express Platinum. Norwegian Cruise Line World Mastercard charges a fee of 3% on balance transfers. The information for the Norwegian Mastercard has been collected independently by The Points Guy. NerdWallet strives to keep its information accurate and up to date. That's true not only because travel cards earn points on your whole vacation (flights, hotels, cruises, transportation to the cruise port, etc.) The Chase Sapphire Reserve credit card is our top overall pick for cruises because it earns 3X points on travel purchases, including cruises. But cruise line credit cards aren't much help in getting free cruises. If you're in search of a credit card for cruises that comes with VIP benefits, you should consider the Capital One Venture X . This includes Costa, Holland America, Cunard, Princess Cruises and Seabourn. That's $750 toward travel when you redeem through Chase Ultimate Rewards. Otherwise, a general-purpose travel credit card may be a better fit for your vacation needs. This may influence which products we write about and where and how the product appears on a page. 1 YEAR FOR $21.99 $5. Earn 1% back on all other purchases. The current offer does not state a timeline for when the purchase or balance transfer must be made in order to qualify for the bonus. So do such cards exist? Earning potential gets even better if youre a member of, Bank of Americas Preferred Rewards program. Credit card tips, bar tabs, restaurants on-board, spa and stores on your ship are just some of the items your passengers would love to spend money on. After youve found the best option for you, book it on any website using your Capital One Venture Rewards Credit Card. for gift cards for Carnival, Princess, Disney and Royal Caribbean cruises, to name a few. Five of the six carry no annual fee; again, the exception is Disney's Premier card ($49). The card does not carry an annual fee. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. It's worth noting that many cruise cards have point limitations. Bank of America has one of the broadest definitions of "travel" of any credit card issuer. They can help you enjoy cruise-related rewards and benefits, but usually dont offer much flexibility when it comes to earning and redeeming points. Use the card to book your cruise and youll earn a hefty 4X points on the bill. The Carnival World Mastercard actually applies to a huge range of cruise lines that are owned by the Carnival name. There is no possibility to redeem rewards for any cruise. This Visa issued by Bank of America is similar to the other cruise line branded credit cards and there is no annual fee. I'm surprised no one has added one of the companies out there to their . NerdWallet's ratings are determined by our editorial team. Your credit score will overall rise because of your increased total available credit. That's likely because cruise loyalty programs are themselves quite different from the frequent traveler programs run by the airlines and hotel companies. Youll get access to benefits like acredit of up to $300 redeemable toward dining and spa services onboard, plus amenities like wine, champagne and chocolate. When deciding whether a cruise credit card is right for you, its important to plumb your travel preferences. From travel insurance to budgeting, solo travelers have a lot to consider. Disney Cruise Line Credit Card. Sign-up bonus: Earn a $300 statement credit after you spend $1,000 on purchases in the first three months from account opening. It's simple math to see the value prop on the cruise line branded cards just isn't very good. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Earn 1.5X points (thats an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. The Bank of America Norwegian Cruise Line World Mastercard earns 20,000 bonus points after you make $1,000 or more in purchases within 90 days of opening an account. Whether youre looking for the beach, a theme park, or sightseeing trips, here are a dozen of the most popular and affordable options. 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