Best Credit Cards For Cruise Line Purchases
A list of the 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.
Best Cards By Category Calculator
The Best Credit Cards By Category Calculator below will find the best credit cards for the listed categories based on your spend and the filter options selected. This will output a list of up to 50 credit cards sorted by total return.
I recommend using the Rewards Calculator which allows you to compare results side by side other cards, factor in sign up bonuses, add authorized users, select elite status (hotel cards), and much more.