50 Best Credit Cards For Cruises | The Point Calculator

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.

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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.

MSC Cruises

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.

If you would rather put your earned rewards on cruise lines towards airfare or other forms of travel, the American Express Green Card and Wells Fargo Propel AMEX Card are two great options.

The Citi ThankYou Premier Card and Chase Sapphire Reserve are also solid options if you spend a little on the higher side and have the spend to make the annual fees worth it.

Category Calculator

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.

Compare credit cards side by side based on spend, benefits, and fees.

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.

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Re-Calculate to refresh the results.

Adjust Transferable Points

Credit cards that are part of the American Express Membership Rewards, Chase Ultimate Rewards, Citi ThankYou Rewards, and Capital One Rewards programs will normally be towards the top of the list due to the value of transferring rewards to partners. Selecting this box will give these currencies their non-point transfer value. You will need to Re-Calculate after changing this option.

Bank (Holder)

The bank issuing the card.


The network the card is tied to.

Card Type

The type of card such as co-branded airline cards, hotel cards, cruise line cards, etc.

Rewards Type

The type of rewards the card earns.


Toggle switch for displaying personal and business cards. Card combos are also featured on this site (i.e. AMEX Trifecta, Chase Trifecta).

Annual Fee (Range)

The range of fees you're willing to pay to wield such cards.

Foreign Transaction Fee

The percentage of fees you'll pay on the dollar when you use the card outside of it's region.


The region that the card is offered in. Credit cards from other regions are featured on this site, but for now this is set to USA only.


Do note that results may take a few seconds to generate after doing a search.

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Page Last Updated: 2020-02-24
Written By: Robert Flowers III

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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.

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