Cruise Line Rewards Calculators: Earning & Redeeming Rewards

Calculate rewards based on spend and compare cruise line credit cards side by side. Details on earning and redeeming rewards with top cruise line programs.

Cruise line rewards points are tied to co-branded credit cards. This means 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. You cannot earn cruise line rewards points for just sailing a cruise line. I would only recommend picking up a co-branded cruise line credit card if you either:

Cruise line credit cards will typically only earn you bonus points when spending with the cruise line otherwise you'll earn 1X on all purchases. The best value of cruise line points will come from redeeming them for high-cost cruises for most of the programs.

If you only cruise 1 or two times a year and you don't go on high-cost cruises, you'll be better off picking up a rewards credit card that is best for travel as you'll be able to earn a great amount of points across all purchases (not just cruise line purchases) and redeem your points for great value.


Best Credit Cards For Cruises
Earn 3X points on travel and dining purchases. Annual $300 travel credit, 50% boost to point value on Chase Travel redemptions, Priority Pass Select Membership, fantastic travel insurance, and more. Points can be transferred to airline and hotel partners.
Grants lounge access to more than 1,200 lounges worldwide including Centurion Lounges, Delta SkyClub Lounges (when flying Delta), Priority Pass Lounges, and more. Offers a bunch of premium/luxury card benefits including access to the Cruises Privileges Program which grants you $100 USD to $300 USD credit when booking 5+ nights with select cruise lines.
Earn an unlimited 2X miles on all purchases, everyday. Miles can be use towards any kind of travel charged to the card with no restrictions and no blackout dates. Miles can also be transferred to several leading airline and hotel programs.
Earn 3X points on travel, shipping, internet, cable, phone, and advertising purchases. 25% point boost when redeemed for Chase Travel. Points can be transferred to airline and hotel partners.
Earns 2% cash back on every purchase, every day. Great for any business looking to earn rewards at a simple flat rate across all business expenses.
Earns 4% cash back on gas station purchases (on up to $7,000 per year, then 1%), 3% back on travel and restaurant purchases, 2% back in-store and online with Costco, and 1% back on everything else. No annual fee, but requires Costco Membership.

Cruise Lines Rewards Programs

Useful Resources & Links
Remove the guess work and find out which cards have a chance to offer you the best return based on your monthly or yearly spend across up to 20 different categories.
Unsure of what type of rewards card you're looking for? Use CardMatch™ to get matched with offers, which may include special and/or qualified offers, on cards you're more likely to qualify for. You never know what great offers you might receive!
Get the top picks for best travel rewards credit cards from our partners. Details include bonus categories, rates & fees, reviews, and current welcome offers.

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