Best credit card for cruises

Use your card to earn statement credit toward your next cruise line adventure.

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We all know a cruise line vacation can be heavy on your wallet. However, with the right credit card, you can relieve some of that financial burden by earning a signup bonus and accelerated points on purchases. These points can be redeemed for onboard credit, stateroom upgrades, discounts on your cruise line and more.

Our pick for a credit card with cruise perks

American Express® Gold Card

  • Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new card within the first 3 months.
  • Earn 4x Membership Rewards® points when you dine at restaurants worldwide. Earn 4x Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3x Membership Rewards® points on flights booked directly with airlines or on
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • $100 airline fee credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No foreign transaction fees.
  • Annual fee is $250.
  • Terms apply.
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Compare credit cards with cruise benefits

Name Product Welcome offer Rewards Annual fee Filter values
Citi Rewards+℠ Card
Earn 15,000 points after spending $1,000 in the first 3 months
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
Redeem your rewards for travel including flights, hotels, cruises and more.
American Express® Gold Card
35,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
Earn 4x points at restaurants worldwide. Rates & fees
Capital One® Venture® Rewards Credit Card
50,000 bonus miles after spending $3,000 in the first 3 months
2x miles on all purchases and 10x miles at
$0 intro annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.
Luxury Card Mastercard® Black Card™
1.5x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.

Compare up to 4 providers

Best cruise line credit cards

Best credit card for highest rewards rate: Norwegian Cruise Line® World Mastercard®

The Norwegian Cruise Line® World Mastercard® lets you earn the highest rewards rate on your Norwegian purchases compared to similar credit cards. And if you’re a member of Bank of America Preferred Rewards program, you can almost double your points.

Best cruise line credit card for an airfare discount: Royal Caribbean® Visa Signature® Credit Card

The Royal Caribbean® Visa Signature® Credit Card lets you earn accelerated points on the second largest cruise line company in the world. But what separates this card from the rest is that you earn an Air2Sea airfare discount after meeting spend requirements.

Best cruise line credit card for entertainment value: Disney® Premier Visa® Card

The Disney® Premier Visa® Card is not your standard cruise line credit card, which makes it ideal for Disney vacations. You earn and redeem reward dollars for Disney theme parks, resort stays, shopping, dining and on Disney cruise line packages. Other perks include:

Best cruise line credit card for high redemption value: Carnival® World Mastercard®

The Carnival® World Mastercard® lets you earn accelerated rewards points on the largest cruise line company in the world, which includes Carnival, Aida, Costa Cruises, Cunard Line, Holland America Line, Princess Cruises, The Yachts of Seabourn, P&O Cruises, P&O Cruises Australia and Fathom. And the great thing is — you can redeem your points on the same cruise lines.

How we picked our best cards

We compared cruise line credit cards based on their signup bonus offers, rewards rate, redemption value and their additional perks. The cards we selected had the best combination of perks to outshine all competitor cards.

How to compare cruise line credit cards

When you’re looking for the best cruise line credit card, ask yourself:

  • Do you use more than one cruise line?
    If you like to travel different cruise lines, you may want to consider a card that lets you earn and redeem accelerated points on multiple cruise line companies. In this case, the best contender would be the Carnival® World Mastercard®.
  • Do you want to earn the most points on your purchases?
    If you’re looking to stack up on points, the Disney® Premier Visa® Card and the Norwegian Cruise Line® World Mastercard® are worth considering.The Disney® Premier Visa® Card also lets you earn accelerated rewards on everyday purchases such as groceries, gas and dining.
  • Do you want to make balance transfers?
    If you want to earn cruise line rewards and save money on interest, consider a cruise line credit card issued by Barclaycard. All three cruise credit cards in their portfolio offer a long intro APR period on balance transfers.

Bottom line

A cruise line credit card could be worth considering if you love taking cruises. You can earn rewards points for onboard credit, stateroom upgrades, discounts, cruises and more. Plus in most cases, you won’t pay an annual fee or foreign transaction fee.

However, if you think a general travel rewards credit card would suit your better, compare your options until you find the right card for your situation.

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