Cruise Line Rewards Programs & Credit Cards - Calculate Rewards

Review the details of top cruise line rewards programs and calculate how many points you can earn with cruise line credit cards. Compare top cards.

Cruise line rewards programs and the points you earn in them are tied to co-branded credit cards. If you don't own a cruise line's co-branded credit card, you will not be able to earn rewards with that cruise line.

I would only recommend picking up a co-branded cruise line credit card if you:

  • Cruise several times a year with a particular cruise line
  • Partake in cruises that cost $2,000 or more

Cruise line credit cards shine the best when they're used to pay for purchases with the cruise line and points earned with the cards generally have the highest value when redeeming them for high-cost cruises.

If you only cruise once or twice a year and you don't go typically book cruises that will cost you $2,000 or more, you'll be better off picking up a travel rewards credit card.

This allows you to earn a great return across all purchases (not just cruise line purchases) and redeem your points for great value towards cruises and other travel such as airfare, hotels, and car rentals.

Best Credit Cards For Cruises

Here's a few of our favorite credit cards from our partners if you're looking to earn rewards redeemable towards cruise line purchases.

Best Chase Cards For Cruises

Chase Sapphire Reserve®
Chase Sapphire Reserve
Intro Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
Rewards Rates
3X
3X per $1 spent on travel after earning your $300 travel credit
3X
3X per $1 spent on dining
1X
1X per $1 spent on all other purchases
Main Card Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Backâ„ , your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Annual Fee
$550
Authorized User Fee
$75 for each additional user
Foreign Transaction Fee
0%
Chase Sapphire Preferred®
Chase Sapphire Preferred
Intro Bonus
Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
Rewards Rates
2X
2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel.
1X
1X points per dollar spent on all other purchases.
Main Card Highlights
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Backâ„ , your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best Capital One Cards For Cruises

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
Intro Bonus
Limited Time Offer: Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
Rewards Rates
2X
Earn an unlimited 2X miles per $1 spent on every purchase, every day.
Main Card Highlights
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
Intro Bonus
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Rewards Rates
1.25X
Earn an unlimited 1.25X miles per $1 spent on every purchase, every day.
Main Card Highlights
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn.
  • Use your miles to fly any airline, stay at any hotel, anytime.
  • Transfer your miles to over 15+ travel loyalty programs
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best Cash Back Cards For Cruises

Citi Custom Cashâ„  Card
Citi Custom Cashâ„  Card
Intro Bonus
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards Rate
5%
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
1%
Earn unlimited 1% cash back on all other purchases.
Main Card Highlights
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cashâ„  Card account per person.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Citi® Double Cash Card
Citi Double Cash Card
Intro Bonus
No current intro bonus
Rewards Rate
2%
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Main Card Highlights
  • To earn cash back, pay at least the minimum due on time.
  • Cash back earned can be converted to the Citi ThankYou Rewards program
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Bank of America® Customized Cash Rewards credit card
Bank of America® Customized Cash Rewards credit card
Intro Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Rewards Rate
3%
Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
2%
Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
1%
Earn unlimited 1% on all other purchases.
Main Card Highlights
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
  • Contactless Cards - The security of a chip card, with the convenience of a tap
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%

Cruise Line Rewards Programs

Calculate how many rewards you can earn based on your spend across credit cards offered by cruise line rewards programs listed below. Where applicable, you'll also be able to calculate the cash value of rewards based on redemption and learn about earning status with the cruise line.

Carnival FunPoints
Carnival FunPoints Calculators
One credit card. Points can be redeemed for 0.75 to 1.5 cents each in value.
Celebrity Cruises
Celebrity Cruises MyCruise Rewards Calculators
Two credit cards, one branded by Celebrity and one branded by Royal Caribbean. Points are worth up to 2 cents each.
Holland America Line
Holland America Line Rewards Calculators
One credit card. Points can be redeemed for up to 2.5 cents each and can also be redeemed across several other cruise lines that fall under World's Leading Cruise Lines.
norwegian cruise line
Norwegian Cruise Line WorldPoints Calculators
One credit card. Points are worth 1 cent for most redemptions, but can be worth more for 7-day cruises.
Princess Cruise Line Rewards
Princess Cruise Line Rewards Calculators
One credit card. Points offer the most value when redeemed for cruises that cost $2,000 or more.
Royal Caribbean MyCruise Rewards
Royal Caribbean MyCruise Rewards Calculators
Two credit cards, one branded by Royal Caribbean and one branded by Celebrity. Points are worth up to 2 cents each.
MSC Cruises
MSC Cruises
No credit cards.

Best Credit Cards By Spend Calculator

The Best Credit Cards By Spend Calculator will give you an idea of which credit cards will offer you the most rewards and best return based on your spending.

Results will be sorted by net return. This is calculated by taking the average value of the rewards earned adding the average value of card benefits and subtracting any annual fees the card has.

Results will consist of credit cards from our partners as well as other top-rated credit cards that offer rewards you can put towards future cruise line purchases.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
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Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option.

If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such.

Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations.

When set to zero (0), they will calculate based on The Point Calculator's valuations. Any non-zero value you enter will be used in the calculations.

You can click on the to learn more about the value of the currency when applicable (opens in a new tab/window). Depending on the calculations, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
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Finished Calculating Rewards?

Select one of the popular card categories below to get started on applying for the best credit cards in the market.

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