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Best credit card for cruises
Use your card to earn statement credit toward your next cruise line adventure.
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
Compare credit cards with cruise benefits
Best cruise line credit cards
Best credit card for highest rewards rate: Norwegian Cruise Line® World Mastercard®
Best cruise line credit card for an airfare discount: Royal Caribbean® Visa Signature® Credit Card
Best cruise line credit card for entertainment value: Disney® Premier Visa® Card
Best cruise line credit card for high redemption value: Carnival® World Mastercard®
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.
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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