Travel, Daily use
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Best Credit Card for Cruises Rewards

When you go on a cruise, you want everything to be a breeze. With the right cruise credit card, you can earn rewards points, cut back on costs, and handle your finances with ease. Are you ready to sail the seven seas? Before you do, check out these cruise credit cards. You won’t regret having your finances in order before embarking on your next global adventure.

By Myfin Team
Reviewed by Anastasia Staples
Updated March 15, 2024

Best Credit Cards for Cruises in March 2024

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Capital One Venture Rewards Credit Card best for Travel, Daily use

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Venture Rewards Capital One
Annual fee:
$95 annually
Regular APR:
19.99% - 29.99% Variable
Our Rating:
3.43
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.
    • 2x Unlimited 2X miles on every purchase, every day.
  • Intro Offer:
    • 75,000x Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
  • Balance Transfer APR:
    19.99% - 29.99% Variable
  • Issuer name:
    Capital One
  • Details:

    This rewarding card earns 2x the miles on all purchases. You can also get a 75,000 miles welcome bonus for spending $4,000 within three months of account opening. With easily redeemable points, this card is perfect for travelers who want to earn generous rewards on everything they buy.

  • Pros:
    • Great welcome bonus: You can earn 75,000 miles for spending $4,000 within 3 months.
    • High rewards rate: Earn 2X the miles on each purchase.
    • No foreign transaction fees
  • Cons:
    • Annual fee ($95)
    • No intro Annual Percentage Rate (APR) offer
  • Benefits:
    • 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel;
    • 5x miles on hotels and car rentals;
    • 2x miles on every purchase, every day;
    • $0 Fraud Liability;
    • 24/7 Customer Service;
    • The Eno assistant;
    • 24-Hour Travel Assistance Services;
    • Global Entry or TSA Precheck Credit;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Hertz Five Star status;
    • Transfer Your Miles;
    • Capital One Shopping;
    • Shop With Your Rewards;
    • Premier Culinary Experiences;
    • Big-time Sports Events;
    • Must-See Music Events.
View all Venture Rewards details
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Card detail

Chase Sapphire Preferred® best for Travel, Restaurants, Daily use

Chase Sapphire Preferred®
Annual fee:
$95 annually
Regular APR:
21.49% - 28.49% Variable
Our Rating:
4.25
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • $50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.
    • 5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
    • 3x Points on dining, including eligible delivery services, takeout and dining out.
    • 3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
    • 3x Points on select streaming services.
    • 2x Points on other travel purchases.
    • 1x Point per dollar spent on all other purchases.
  • Intro Offer:
    • 60,000x Bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.
  • Balance Transfer APR:
    21.49% - 28.49% Variable
  • Issuer name:
    Chase
  • Details:

    If you’re a traveler — and a foodie — the Chase Sapphire Preferred® can help you easily earn flexible rewards points while you continue to enjoy the things you love. Other than its rewards, the card has a fair annual fee and a welcome bonus of 60,000 points for those who spend $4,000 within the first three months with the card (that's $750 toward travel when redeemed through Chase Ultimate Rewards®).

  • Pros:
    • High Point Value: A 1:1 rate when transferring points to travel partners.
    • My Chase Plan: This feature lets cardmembers break up purchases of $100 or more into fixed monthly payments.
    • Flexibility: Chase has alternate redemption options and offers decent value with most of them.
    • Great travel and shopping protections
  • Cons:
    • Annual fee ($95)
    • Some benefits, like a free subscription to DashPass for food delivery, are temporary
  • Benefits:
    • 60,000 Bonus Points;
    • $50 in statement credits;
    • 5x points on travel;
    • 3x points on dining;
    • 3x points on online grocery purchases;
    • 3x points on select streaming services;
    • 2x points on other travel purchases;
    • 25% more redemption value;
    • 1:1 Point Transfer;
    • Trip Cancellation/Interruption Insurance;
    • Auto Rental Collision Damage Waiver;
    • Baggage Delay Insurance;
    • Travel and Emergency Assistance Services.
Card detail

Chase Sapphire Reserve® best for Travel, Restaurants, Daily use

Chase Sapphire Reserve®
Annual fee:
$550 annually ($75 for each authorized user)
Regular APR:
22.49% - 29.49% Variable
Our Rating:
3.86
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 10x Points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
    • 10x Total points on Chase Dining purchases with Ultimate Rewards®.
    • 5x Total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
    • 3x Points on other travel worldwide after the first $300 is spent on travel purchases annually.
    • 3x Points on other dining at restaurants, including eligible delivery services, takeout and dining out.
    • 1x Point per dollar spent on all other purchases.
  • Intro Offer:
    • 60,000x 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®.
  • Balance Transfer APR:
    22.49% - 29.49% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Sapphire Reserve® may make you want to spend more with its incredible rewards rates. Although the annual fee is high, the card makes up for with a yearly travel credit of $300. Plus, the Sapphire Reserve® has an easy, high-earning rewards system.

    With this card, you earn points fast and easily through a ton of transactions. You can get as much as 5X the points on flights or 10X the points on hotels and car rentals. Plus, you’re getting an insanely high redemption value for your points that few cards can match.

  • Pros:
    • High rewards rate (Up to 10x)
    • Annual travel credit ($300)
    • Many partnered airlines and hotels for redemption of rewards points
  • Cons:
    • High annual fee ($550)
    • Excellent credit score required (at least 750)
    • You have to book your travel through Chase to get the most value for your ponts
  • Benefits:
    • 60,000 bonus points;
    • 10x total points on hotels and car rentals;
    • 10x total points on Chase Dining purchases;
    • 5x total points on flights;
    • 3x points on other travel;
    • 3x points on other dining;
    • $300 Annual Travel Credit;
    • Zero liability protection;
    • 50% more redemption value;
    • Global Entry or TSA Pre✓® Fee Credit ;
    • Complimentary Airport Lounge Access;
    • The Luxury Hotel & Resort Collection;
    • Trip Cancellation/Interruption Insurance;
    • Auto Rental Collision Damage Waiver;
    • Lost Luggage Reimbursement;
    • Emergency Evacuation & Transportation.
Card detail

The Platinum Card® from American Express best for Young couples

The Platinum Card® from American Express
Annual fee:
$695 annually
Regular APR:
21.24% - 29.24% Variable
Our Rating:
3.59
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Points on up to $500,000 spent on directly-booked airfare and flights (per calendar year).
    • 5x Points on prepaid hotels booked with American Express Travel.
    • 1x Points on all other purchases.
  • Intro Offer:
    • 80,000x Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    For the frequent traveler and big spender, this credit card gives you a ton of perks. From access to exclusive airport lounges to a variety of credits when you meet the requirements. As a premium travel credit card, it’s quite popular with executives and other globe-trotting professionals.

  • Pros:
    • High rewards rates: Earn 5x points for flights booked through American Express Travel and get tons of bonus credits like a $200 hotel credit, $240 entertainment credit, $200 of Uber Cash and plenty more.
    • Great welcome bonus: Earn 80,000 Membership Rewards points after spending $6,000 in the first six months with the card.
    • Easy access to tons of quality airport lounges where you can enjoy free cocktails, showers, nap rooms, and more
  • Cons:
    • High annual fee ($695)
    • Low reward rates for purchases outside of travel
  • Benefits:
    • 80,000 Membership Rewards® Points;
    • 5x points on directly-booked airfare and flights, prepaid hotels;
    • 1x points on all other purchases;
    • Platinum Card® Concierge;
    • Global Dining Collection;
    • Preferred Seating;
    • Return Protection;
    • Uber Rides with Platinum;
    • The Global Lounge Collection®;
    • International Airline Program;
    • Fee Credit for Global Entry or TSA Pre✓®;
    • Fine Hotels & Resorts® Program;
    • Platinum Travel Service;
    • Marriott Bonvoy™ Gold Elite Status;
    • Hilton Honors Gold Status;
    • Car Rental Loss and Damage Insurance;
    • Trip Delay;
    • Trip Cancellation;
    • Terms Apply.
Card detail

Chase Freedom Unlimited® best for Cash Back, 0 APR, No Annual Fee, Daily use

Chase Freedom Unlimited®
Annual fee:
$0
Regular APR:
20.49% - 29.24% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
    • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
    • 3% Cash Back on drugstore purchases.
    • 1.5% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
  • Purchase Intro APR:
    0% Intro APR for the first 15 months that your Account is open
  • Balance Transfer APR:
    20.49% - 29.24% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Freedom Unlimited® offers a consistent rewards rate, earning 1.5x points on all purchasest. This card also features cash back perks on purchases through Chase Ultimate Rewards, as well as restaurant and drugstore purchases. Plus, when you sign up there’s quite a lucrative bonus — $200 after you spend $500 in the first three months.

  • Pros:
    • No annual fee
    • 1.5x points on all purchases
    • 0% APR for 15 months upon account opening (20.49% - 29.24% variable APR thereafter)
    • Welcome bonus: Earn a $200 bonus after spending $500 in the first 3 months.
  • Cons:
    • Cash advance fee ($10 or 5%)
    • A 3% foreign transaction fee
    • An intro balance transfer fee of $5 or 3% for the first 60 days
  • Benefits:
    • Zero Liability Protection;
    • $200 intro bonus;
    • 5 percent Cash Back on all travel purchased via the Chase Ultimate Rewards portal;
    • 3 percent back on dining;
    • 3 percent back at drugstores;
    • 1.5 percent Cash Back on general purchases;
    • Auto Rental Collision Damage Waiver;
    • Trip Cancellation/Interruption Insurance;
    • Travel and Emergency Assistance Services;
    • 24/7 Fraud Protection;
    • Redeem for Cash Back;
    • Gift cards.
Card detail

Citi Premier® best for Travel

Premier® Citi
Annual fee:
$95 annually
Regular APR:
21.24% - 29.24% Variable
Our Rating:
3.88
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3x Points per dollar on restaurant, supermarket, gas station, hotel and air travel purchases.
    • 1x Points on all other purchases.
  • Intro Offer:
    • 60,000x Bonus Points after spending $4,000 in purchases with your card within the first 3 months of account opening. Redeemable for $750 in gift cards.
  • Balance Transfer APR:
    21.24% - 29.24% Variable
  • Issuer name:
    Citi
  • Details:

    Convenient, highly-rewarding, and affordable for what it provides, the Citi Premier® credit card is a solid offer. In addition, it’s great for purchases abroad as it doesn’t have foreign transaction fees. Whether you're out on your travels or making general purchases, this credit card has got you covered.

  • Pros:
    • Welcome bonus: You can earn 60,000 bonus points if you spend $4,000 in the first three months.
    • High rewards rate: Get 3x at restaurants, gas stations, supermarkets, travel and hotels, then 1x the rewards for all over purchases.
    • No foreign transaction fees
  • Cons:
    • Annual fee ($95)
    • High APR (21.24% - 29.24%)
    • Good to excellent credit required
  • Benefits:
    • 60,000 Bonus Points;
    • 3x points on restaurant, supermarket, gas station, hotel and air travel purchases;
    • 1x points on all other purchases;
    • World Elite Mastercard perks;
    • Gift Cards;
    • Shop with Points;
    • Additional Cards;
    • Digital Wallets;
    • Citi Entertainment;
    • $100 Annual Hotel Savings Benefit;
    • Points Transfer.

Card detail

Citi Double Cash best for Cash Back, No Annual Fee, Daily use

Double Cash Citi
Annual fee:
$0
Regular APR:
19.24% - 29.24% Variable
Our Rating:
4.49
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
  • Intro Offer:
    • $200 Cash Back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.
  • Balance Transfer APR:
    19.24% - 29.24% Variable
  • Issuer name:
    Citi
  • Details:

    The Citi® Double Cash Credit Card offers a few concrete ways in which you can better your financial situation, improve your credit card habits and enjoy cash back rewards without the fuss of tracking rotating categories. Earn $200 Cash Back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.

    Earn 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.

    The Citi® Double Cash offers a 0% percent introductory APR offer on balance transfers (19.24% to 29.24% variable APR after).

    The Citi Double Cash extends a myriad of security and fraud protections.

  • Pros:
    • Flat-rate Cash Back Rewards on Everything
    • High Rewards Rate
    • No annual fee
    • Attractive Intro APR on Balance Transfers
  • Cons:
    • Losing your 1% Cash-Back Is Pretty Easy
    • Foreign transaction fee
    • Balance Transfer Fee
  • Benefits:
    • Citi Entertainment;
    • $200 Cash Back;
    • 2% Cash Back on every purchase;
    • Fraud Protection;
    • The Lost Wallet Service;
    • $0 Liability for Unauthorized Charges.
Card detail

American Express Blue Cash Preferred best for Gas, Groceries, Streaming services, Daily use

Blue Cash Preferred® American Express
Annual fee:
$0 intro annual fee for the first year
$95 for the rest years
Regular APR:
19.24% - 29.99% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%).
    • 6% Cash Back on streaming (select U.S. streaming subscriptions).
    • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
    • 3% Cash Back at U.S. Gas Stations.
    • 1% Cash Back on other purchases.
  • Intro Offer:
    • $250 Back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
  • Purchase Intro APR:
    0% Introductory APR for the first 12 months from the date of account opening
  • Balance Transfer APR:
    19.24% - 29.99% Variable
  • Issuer name:
    American Express®
  • Details:

    The Blue Cash Preferred® Credit Card provides high rewards at U.S. supermarkets and U.S. gas stations, and for streaming services (select U.S. streaming subscriptions), and transit expenses. It has a $0 introductory annual fee for the first year, then $95.

    The Blue Cash Preferred® Credit Card from American Express® offers a 0% introductory APR promotion. You’ll pay no interest on purchases and balance transfers for 12 months and then an APR of 19.24% - 29.99% Variable. The Blue Cash Preferred Credit Card's Penalty APR is 29.99%.

    The Card also has 0% introductory plan fee on each purchase moved into a plan during the first 12 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

    The Blue Cash Preferred® Credit Card has a welcome bonus where cardholders earn a $250 statement credit after spending $3,000 on the new card within the first six months of card membership.

  • Pros:
    • Excellent cashback bonuses
    • Generous intro APR on purchases
    • Great introductory bonuses
  • Cons:
    • Cashback cap
    • Annual fee
    • Foreign transaction fee
  • Benefits:
    • Earn $250 Back (in the form of a statement credit);
    • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%);
    • 6% Cash Back on streaming subscriptions;
    • 3% Cash Back on transit;
    • 3% Cash Back at U.S. Gas Stations;
    • 1% Cash Back on other purchases;
    • Extended warranty;
    • Fraud Protection;
    • Return Protection;
    • Car Rental Loss and Damage Insurance;
    • Global Assist® Hotline;
    • Pay It Plan It®;
    • American Express Experiences;
    • Terms Apply.
Card detail

American Express® Gold Card best for Cash Back

American Express® Gold Card
Annual fee:
$250 annually
Regular APR:
21.24% - 29.24% Variable
Our Rating:
2.93
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 4x Points on dining at restaurants worldwide, plus takeout and delivery in the U.S.
    • 4x Points on groceries at U.S. supermarkets on up to $25,000 in purchases per year.
    • 3x Points on flights booked directly with airlines or on amextravel.com.
    • 1x Points on other eligible purchases.
  • Intro Offer:
    • 60,000x Membership Rewards® Points after you spend $4,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    The American Express® Gold Credit Card's annual fee is $250. The card offers 4x points on dining (at restaurants worldwide, plus takeout and delivery in the U.S.) and groceries (at U.S. supermarkets on up to $25,000 in purchases per year), 3x on flights (booked directly with airlines or on amextravel.com) and 1x on all other purchases.

    The Card's variable APR is 21.24% - 29.24%.

    As a new cardholder, you have the chance to earn an impressive 60,000 Membership Rewards Points after spending $4,000 in purchases within your first six months. New cardholders will also have the chance to obtain the alternate Rose Gold art.

    There are no foreign transaction fees with this travel card.

    Add your Gold Credit Card to your Uber account, and you’ll automatically get $10 in Uber Cash each month, for a total of up to $120 per year. You can use your monthly Uber Cash on Uber Eats orders or Uber rides in the U.S.

    Dining from the comfort of your home can save you up to $120 annually. Earn up to $10 in statement credits monthly when you pay with the Gold Credit Card at Grubhub, Seamless, Boxed and other participating partners. Enrollment required.

    By booking two consecutive nights or more through the American Express Travel portal at any of 600+ eligible properties with your card, you can receive up to a $100 hotel credit in addition to a possible room upgrade if eligible. The expenses that this credit can cover varies by property, but you can expect money back on qualifying dining, spa services, resort activities and things of that nature.

  • Pros:
    • High rewards rate for select categories
    • Introductory Bonus Points
    • No Foreign Transaction Fee
    • UberCash Credit
    • $120 Dining Credit
  • Cons:
    • Complicated Rewards System
    • High Annual Fee
    • Limited International Acceptance
    • Relatively High Credit Score Requirements
    • Balance transfers are not available
  • Benefits:
    • Up to $120 Uber Cash to Dine or Ride;
    • $100 hotel credit with The Hotel Collection;
    • 60,000 Membership Rewards® Points;
    • 4x Membership Rewards® Points on dining at restaurants;
    • 4x Membership Rewards® Points on groceries at U.S. supermarkets;
    • 3x Membership Rewards® Points on flights booked directly with airlines or on amextravel.com;
    • 1x Membership Rewards® Points on all other purchases;
    • Additional Cards;
    • American Express Experiences;
    • Car Rental Loss and Damage Insurance;
    • Baggage Insurance Plan;
    • Global Assist® Hotline;
    • The Hotel Collection;
    • Terms Apply.
Card detail
Wells Fargo Bilt Mastercard®
Annual fee:
$0
Regular APR:
21.49% - 29.49% Variable
Our Rating:
4
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3x Points on dining.
    • 2x Points on travel.
    • 1x Points on rent payments without the transaction fee (up to 50,000 points each calendar year).
    • 1x Points on other purchases.
  • Balance Transfer APR:
    21.49% - 29.49% Variable
  • Issuer name:
    Wells Fargo
  • Details:

    The Wells Fargo Bilt Mastercard® Credit Card earns 3x points on dining, 2x points on travel, 1x point on rent payments without the transaction fee (up to 50,000 points each calendar year) and 1x point on other purchases.

    The Bilt Mastercard® doesn't charge an annual fee. The APR for purchases and balance transfers is 21.49% - 29.49% Variable.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period
    • No welcome bonus
  • Benefits:
    • 3x points on dining;
    • 2x points on travel;
    • 1x point on rent payments without the transaction fee (up to 50,000 points each calendar year);
    • 1x point on other purchases;
    • Trip Cancellation/Trip Interruption Insurance;
    • Trip Delay Insurance;
    • Auto Rental Collision Damage Waiver;
    • Lyft credits;
    • 24/7 reservation concierge;
    • Cell Phone Protection;
    • Purchase security.
Card detail

Cruises Credit Card Review

No matter how much you travel, where you travel, and what kind of rewards or benefits you’re after — there’s a card here that will best suit your needs. For all the travelers and cruise-goers out there, we’ve gathered a list of cruise credit cards for you to choose from.

Short Review of Best Cruises Credit Cards

NameBest forRewards RateAPRApply
Capital One Venture Rewards Credit Card
3.43
Travel, Daily use
  • 5x Miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.
  • 2x Unlimited 2X miles on every purchase, every day.
  • 19.99% - 29.99% VariableLearn more
    on our partner’s site
    Chase Sapphire Preferred®
    4.25
    Travel, Restaurants, Daily use
  • $50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.
  • 5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
  • 3x Points on dining, including eligible delivery services, takeout and dining out.
  • 3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
  • 3x Points on select streaming services.
  • 2x Points on other travel purchases.
  • 1x Point per dollar spent on all other purchases.
  • 21.49% - 28.49% VariableLearn more
    Chase Sapphire Reserve®
    3.86
    Travel, Restaurants, Daily use
  • 10x Points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
  • 10x Total points on Chase Dining purchases with Ultimate Rewards®.
  • 5x Total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
  • 3x Points on other travel worldwide after the first $300 is spent on travel purchases annually.
  • 3x Points on other dining at restaurants, including eligible delivery services, takeout and dining out.
  • 1x Point per dollar spent on all other purchases.
  • 22.49% - 29.49% VariableLearn more
    The Platinum Card® from American Express
    3.59
    Young couples
  • 5x Points on up to $500,000 spent on directly-booked airfare and flights (per calendar year).
  • 5x Points on prepaid hotels booked with American Express Travel.
  • 1x Points on all other purchases.
  • 21.24% - 29.24% VariableLearn more
    Chase Freedom Unlimited®
    5
    Cash Back, 0 APR, No Annual Fee, Daily use
  • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
  • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
  • 3% Cash Back on drugstore purchases.
  • 1.5% Cash Back on all other purchases.
  • 20.49% - 29.24% VariableLearn more
    Citi Premier®
    3.88
    Travel
  • 3x Points per dollar on restaurant, supermarket, gas station, hotel and air travel purchases.
  • 1x Points on all other purchases.
  • 21.24% - 29.24% VariableLearn more

    Who should apply

    Capital One Venture Rewards Credit Card

    This credit card is perfect for individuals who use their credit cards to earn rewards points and miles. The Capital One Venture Rewards credit card also has a high rewards rate which makes it easier for cardholders to earn miles to spend on future travels.

    Read more about Capital One Venture Rewards Credit Card

    Chase Sapphire Preferred®

    This credit card is suitable for travelers who also prioritize dining on their trips. It's also great for shoppers who want trip cancellation insurance, car rental protection and so on. Additionally, for bookings made through Chase, you can get even better rewards and deals.

    Read more about Chase Sapphire Preferred®

    Chase Sapphire Reserve®

    For the frequent traveler and big spender, this card provides excellent value. You can use your points to get great deals when booking with Chase or transfer them to the issuer's many partnered airlines and hotels.

    Read more about Chase Sapphire Reserve®

    The Platinum Card® from American Express

    If you’re a frequent traveler, then you’ll love the perks and rewards provided by The Platinum Card® from American Express®. Wait in the comfort of airport lounges, quickly earn points you can redeem for future travel, and take advantage of other valuable perks.

    Read more about The Platinum Card® from American Express

    Chase Freedom Unlimited®

    The Chase Freedom Unlimited® is a great option for individuals looking to earn rewards points on general spending. Another selling point for this credit card is its cashback benefits are diverse and apply to a range of purchase types — like travel purchases (5%), dining or takeout (3%), drugstore prushcase (3%), and everyday purchases (1.5%). For those who need a reliable credit card that saves money and earns points, this card is the best option for you.

    Read more about Chase Freedom Unlimited®

    Citi Premier®

    Most people would benefit from this card as it’s flexible in its use. It’s great for all kinds of expenses — especially for travel. With its high rewards rate and broad usability, this credit card’s perfect for day-to-day spending and traveling.

    Read more about Citi Premier®

    How to choose a credit card

    Choosing a cruise credit card will depend on the nature of your travels. Will your travels have a lot of dining involved? Do you spend enough in certain categories where you would benefit from a card with high rewards rates? Will your trips be booked with a particular cruise line?

    Depending on how you travel and what you spend on, there’s a credit card that's most suitable for you.

    How do cruise credit cards work

    In general, they function like other credit cards. You can use the card for current purchases and pay later. What sets these cards apart are their deals, rewards, and benefits related to traveling — particularly for anyone who goes on a lot of cruises.

    By using these credit cards for booking your trips and other travel expenses, you can earn rewards, get better deals, and use some exclusive perks depending on which card you get. As these cards are designed for travelers and cruise-goers, the rewards and benefits will also be tailored to these types of cardholders.

    Are cruise credit cards worth it

    That will depend on which card you get and how you travel. If you travel sparingly, getting a credit card with high rewards, but also high annual fees won’t be beneficial for you. Inversely, if you travel frequently and make a lot of purchases, you’ll be missing out on rewards and deals if you aren’t using a credit card that fits your travel style.

    Another thing to consider is if you’ll regularly choose a particular cruise line. For example, if your travel plans are always with Princess Cruises, you may benefit from the Princess Cruises Rewards Visa credit card.

    What cruise line has the best rewards program

    Among the cruise credit cards available today, the most rewarding one is The Platinum Card® from American Express®. Not only can users earn high rewards rates on travel, the card also boasts top-of-the-line security, perks for members such as airport lounge access, and a great welcome bonus.

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    However, it is important to note that this is the most rewarding for those whose travel style and spending fits The Platinum Card® from American Express®. The best rewards program for you will be a credit card that matches your traveling and lifestyle the most.

    Is a card that rewards cruises right for you?

    If you go on cruises often and make a lot of purchases, a card that rewards cruises maybe great for you. However, if you travel only on certain occasions, then applying for a card that rewards cruises might not be the best idea.

    FAQ

    Are cruise credit cards limited to travel-related purchases?

    You can use a cruise credit card as you would a typical credit card. However, if you want to maximize points and redeem rewards, it’s best to use these credit cards for travel-related purchases.

    Do I need to get a cruise credit card if I plan on going on a cruise?

    Getting a cruise credit card is not necessary for going on a cruise, but it does have its benefits. With a cruise credit card, you can get better deals, earn more rewards points, and gain credit for future travels.
    Myfin TeamMyfin Team

    Author, editor

    content@myfin.us