Best Credit Cards For
Cruise Line Purchases
A list of the 50 best credit cards for general cruise line purchases based on your spend pulled from our database of 250+ cards. Compare. Automatic updates.
There's not many co-branded cruise line credit cards on the market and out of the few that are available, not all of them are worth getting. Unless you're a heavy cruiser, you'll find more value sticking with top travel credit cards.
Cruise Line Credit Cards
If you're considering a cruise line credit card, I recommend getting one only if you're a frequent cruiser. If you cruise once per year or once every other year, grabbing up a cruise line credit card will not benefit you much. Cruise line credit cards offer the best return when you redeem cruise line points for mid to large redemptions. If you don't cruise a lot, you will find it hard to build up enough points to get great value out of your points.
Points earned with Holland America Line can be worth as much as 2.5 cents each when redeemed for cruises. Having the Holland America Visa is the only way you can earn points. In terms of benefits, the card doesn't offer anything. It's strictly for earning points.
MyCruise Points are earned with the Royal Caribbean Visa or Celebrity Cruises Visa and can be worth as much as 2 cents each. Both cards earn on Royal Caribbean, Celebrity, and Azamara cruise line spend. Outside of earning points, no other benefits are offered with these cards.
Carnival is a popular cruise line that offers the Carnival Mastercard to earn Carnival FunPoints. FunPoints are only worth up to 1.5 cents each which is lower compared to other cruise line rewards programs, but the Carnival Mastercard actually offers a 10% refund on excursions whereas most other cruise line credit cards do not have any benefits.
General Cruise Line Spend
If you only cruise once per year or if you don't plan on building enough cruise line points to redeem them for the highest value (as in book expensive cruises), you'll be better off with a rewards credit card that earns a great return on cruise line or travel spend.
The Bank of America Cash Rewards and Bank of America Business Advantage Cash Rewards Card are great cash back options for travel spend as both cards can earn between 3% and 5.25% cash back per $1 spent based on your relationship with Bank of America and their partners.
Listed below are the best credit cards for the given category sorted by return. Some credit cards have a wide range of value due to having multiple redemption options that yield such. For example, you may be able to redeem a program's points for cash back at value of 0.5 cents each but redeeming the same points for travel could offer a value of 1.25 cents each. You don't want to pick up a card that has an annual fee that doesn't match up with how you plan on redeeming your rewards. That will give you a negative return and no one wants that. So be sure to research the value of points and miles to get an idea of how value they will have for you. Don't go by the return values listed below alone.
You can click on a card's Rewards Calculator button (where applicable) to calculate how much you can earn across all categories on the card based on your spend, how much you value the benefits of the card, and any annual fees including authorized user fees (if applicable). You'll also be able to compare the results side by side any other card featured on the site based on the same spend. And spend you enter into a credit card rewards calculator will carry over to other credit card calculators on the site.
You can click on the name of the rewards the card earns to learn more about earning, redeeming, and transferring rewards within that rewards program as well as other useful information such as elite status, buying/gifting rewards, and much more. These also pages features additional calculators that can lend a hand in determining if a program could be a good fit based on your spending habits.
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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.
The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.2019 The Point Calculator and its logo is copyrighted and owned by RF3 LLC. All Rights Reserved.