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Other travel-related redemptions are available, too, not to mention gift cards. With annual fees for travel cards hitting $400 or more, it's important to make sure you get your money's worth. Consider the purchase rewards, sign-up bonus, and cardholder benefits to determine how much value you'll get from a card each year. When it comes to travel rewards cards, chances are good you'll be looking at an annual fee. But the big rewards and other travel perks can make that annual fee well worth paying.
Holland America Credit Card
Cardholders do receive some benefits under the card's World Mastercard label. Among them are a complimentary ShopRunner membership and cellphone protection with up to $1,000 in yearly coverage (maximum two claims per year, for up to $600 per claim, $50 deductible) if your phone is damaged or stolen. The Princess Cruises Rewards Visa® Card can offer some benefit to Princess Cruises fans who spend a lot with the cruise line, and its flexible redemption options are a plus.
The best credit cards for booking cruises: How to save big on your next sailing
So while we generally don’t recommend these cards, we wanted to mention them for those rare times when they may make sense. Let’s take look at all that the Amex Blue Business Plus card has to offer. If you're approved and accept this Card, your credit score may be impacted.
How does the Norwegian Cruise Line Credit Card trip cancellation insurance work?
Unfortunately, the Norwegian Cruise Line® Credit Card does not offer travel insurance. The card does, however, offer points per $1 spent, has a $0 annual fee and a 0% foreign transaction fee. However, frequent cruise travelers might do better signing up for a general travel card to earn a big welcome bonus or using a card that offers more points per dollar on everyday spending.
If you’re struggling with debt, you may want to steer clear of credit and save up for the cruise you want. While everyone needs a vacation — and taking a cruise is one of the best options out there — coming home to a mountain of bills (including interest payments) can ruin the fun in a hurry. While the cruise industry came to a screeching halt at the start of the COVID-19 pandemic, most of the major cruise lines are back in full operation now.
You can also transfer points to airline or hotel partners to offset the cost of a pre- or post-cruise vacation. The substantial trip protections that come with the card have you covered in case your flight is delayed or cancelled or your luggage gets lost en route, too. Note that the availability of different cruise lines could vary between credit card reward travel portals. If you want to guarantee that you can use rewards to cover a cruise, consider credit cards that offer statement credits to cover past travel purchases. A cruise credit card earns points based on dollars spent that can be redeemed as credits to cover card purchases.
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Other perks include priority boarding, some travel insurance, 20% discount on all in-flight purchases, and double points on all Delta purchases. If you have United MileagePlus Premier status, then you’re eligible for bonus offers like food, beverage, or spa credits on your sailing, too. While American and Delta have similar cruise bonus offers with bonuses for using their credit card, United’s offer is the most generous. If you intend to use your card for all of your day-to-day purchases and pay off the balance each month, you will likely be able to accrue enough points for a free cruise every couple of years.
The vast majority of cruise goers can simply get more value from regular travel rewards cards. Cobranded cruise cards tend to have much lower rewards rates, even on cruise purchases. They may also have lower limits; travel rewards cards tend to have very good credit limits. And few of the cobranded options offer any extra cruise perks to make it worth having a specialized card in your wallet. If you prefer higher earning rates on your travel purchases, we recommend the Wells Fargo Autograph and Chase Sapphire Preferred credit cards. For premium travel benefits, such as airport lounge access, the Chase Sapphire Reserve is our top choice.
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The Capital One Venture Rewards Card (see rates and fees) is an appealing choice for cruisers that like simplicity. The card has a low annual fee, doesn't have many spending categories to keep track of and the rewards are easy to redeem. Using the right credit card to book your cruise allows you to rack up some serious rewards on your booking and protect yourself against a wide range of mishaps. At TPG, we recommend using a credit card whenever and wherever possible so you always earn rewards on your purchases. When it comes to cruises, you'll get some serious benefits by booking with a credit card. Still, there are many other credit cards that earn more bonus points on specific category spending, such as travel, dining, gas and groceries.
We'll explore the benefits of applying for a card with your favorite cruise line and compare that to using a more general travel rewards card. You might be surprised at which type of card actually gets you free cruises more quickly. When you pay for your trip with The Platinum Card® from American Express, you’ll be covered for trip delays and cancellations, lost luggage and emergency medical assistance, and you’ll get primary rental car coverage, too. The Platinum Card® from American Express also comes with luxury travel perks that can make your journey to the cruise ship more pleasant when you enroll, like automatic hotel elite status and airport lounge access. Plus, the card comes with an annual credit of up to $100 at Saks for pre-cruise shopping. Unfortunately, the Norwegian Cruise Line® Credit Card does not offer a trip cancelation insurance benefit.
Keep an eye out for Amex Offers on cruises — you can stack these rewards with other points and perks offered by your American Express card. Paying for your next cruise with the right credit card can help keep you from breaking the bank. If the idea of dipping your toes into warm waters and eating your heart out at a buffet while en route to the next port of call has you itching to book a sailing, you may be wondering what credit card you should pay with. The information for the Royal Caribbean card has been collected independently by The Points Guy. The information for the Princess Cruises card has been collected independently by The Points Guy. The information for the Norwegian Mastercard has been collected independently by The Points Guy.
After you’ve found the best option for you, book it on any website using your Capital One Venture Rewards Credit Card. Or you could opt to cash out Venture miles for gift cards for Carnival, Princess, Disney and Royal Caribbean cruises, to name a few. Alternatively, you could book a cruise directly through the Capital One travel portal using miles.
Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. Our editorial team does not receive direct compensation from our advertisers. Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
They are currently offering a sign-up bonus of 50,000 points once you spend $3,000 on the card in the first three months. You also earn double points on ALL purchases and 10 times points on hotel stays. Paying for a cruise with a credit card could help you earn valuable rewards and provide useful travel insurance for your travels.
You should also consider the type of rewards – a few travel cards offer cash back instead of points, for instance. The Chase Sapphire Preferred makes sense if you want credit card travel insurance for upcoming trips, including flights and hotel stays you may have booked together with a cruise. The Chase Sapphire Preferred® Card offers a welcome bonus of 60,000 points — worth $750 in travel when redeemed through Chase Ultimate Rewards — after spending $4,000 within three months of account opening. With the card’s relatively low spending requirement, anyone can earn $750 toward their next cruise within a short amount of time. You can easily earn 2x to 3x points or miles when you pay for your cruise with the right card. Don’t forget to stack these rewards with those offered by the cruise line or an online travel agency.
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