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It’s common to book flights and hotel stays along with cruises, and having travel insurance could help make sure all your travel plans stay intact. But depending on your travel preferences and how you like to earn rewards, we’ve included four more cards to choose from. Once you know what you’re after, you can narrow down your options to choose the right credit card for your vacation. This card also has benefits including a Global Entry or TSA PreCheck fee credit, $0 fraud liability on unauthorized charges, and a virtual credit card number. The Capital One Spark Miles card is a no-nonsense business card with an earn rate of 2x miles spent.
Additional Business Cards for Booking Cruises
If you need an overnight stay beforehand, then earn 10 points per dollar by snagging your hotel through the Capital One travel portal. Offering a rare mix of high rewards rates and redemption flexibility, this card is a dream for frequent spenders on travel & dining – while charging a modest annual fee. Simple rewards and a well-rounded suite of travel protections make this an essential everyday card and handy travel companion. No annual fees or foreign transaction fees make it that much better. 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.
Chase Sapphire Preferred® Card
The cruise itself is the main point of going on a cruise, but you still might have to consider how you’re getting to different cruise ports. The Chase Sapphire Reserve® makes sense if you want premium travel benefits, such as airport lounge access, that you can use on your way to cruise destinations. Since the Wells Fargo Autograph has no foreign transaction fees, it’s an ideal card to use when exploring foreign ports.
Editorial integrity
We recommend going with travel credit cards that earn general rewards currencies because they tend to have better rewards and benefits. And, most of the time, you can still use rewards from these cards for booking cruises through a card issuer travel portal. If you’re in search of a credit card for cruises that comes with VIP benefits, you should consider the Capital One Venture X Rewards Credit Card. With this 1.5X earning rate, spending $10,000 on your card within a year will net you 15,000 miles. With Discover’s offer to match your rewards, Discover will turn your 15,000 miles into 30,000 miles at the end of your first year, which you could redeem to cover $300 in cruise fare. Better yet, the Discover it® Miles card offers a 0 percent intro APR on purchases and balance transfers for 15 months, followed by a variable APR of 17.24% – 28.24%.
Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
If you want to get the most value from your vacation purchases, here we explore the best credit cards for booking cruises and why you always want to pay for your vacation at sea with a credit card. The credit cards on our recommended list earn either cash back or flexible points, which can be used in multiple ways. Not only can you redeem your points or use cash back to purchase a cruise, you can use your rewards for all types of travel expenses, as well. The major co-branded cruise credit cards are on the Mastercard or Visa networks, which means you can use them anywhere Mastercard and Visa are accepted. The cards earn rewards that can be redeemed on the cruise line, generally as credit towards a cruise purchase or onboard for your incidentals. The downside of co-branded cruise cards is that award redemptions generally are tied to a single cruise line.
Best credit cards for cruises
A co-branded cruise card is a good idea when you are a frequent traveler on a specific cruise line and you get value out of the perks offered by credit card. Some cruise cards offer special events onboard or discounts for cardholders, while others only offer a small bonus on your cruise purchases. That said, a more general travel rewards credit card will usually be a better fit than one tied to a specific cruise line. 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.
Cobranded Cards
There are many cruise line-specific credit cards that can be appealing to brand loyalists. Some offer exclusive perks and discounts that you won’t find anywhere else, and most don't charge annual fees. Since many cruise lines have partnerships, the rewards earned on some cards are interchangeable among several cruise brands, too. Whether you dream of sailing up a Norwegian fjord or of calling in at a faraway island port, a cruise presents an appealing vacation option. If your goal involves loading up on points and miles to redeem toward a maritime adventure or you’re looking for a card with cruise-related benefits, you’re in the right place.
Unless you're a diehard loyalist of a specific cruise line and you're looking for a card to complement your primary travel card, you'll find more value with a more general rewards card. 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. Many travel rewards cards come with trip delay and cancellation insurance, so you'll be protected if your travel plans go awry.
However, the points you earn on the card can only be redeemed toward Carnival cruises. The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points. Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more. For rates and fees of The Platinum Card® from American Express, click here.
Celebrity Cruises Visa Signature review: Earn points and discounts towards your next voyage - Yahoo Finance
Celebrity Cruises Visa Signature review: Earn points and discounts towards your next voyage.
Posted: Fri, 12 Apr 2024 17:17:00 GMT [source]
The best credit card sign-up bonuses often require you to spend $3,000 or more in just a few months. Cruises can be pricey purchases, so could go a long way towards your spending requirement. Details about Royal Caribbean Visa Signature® Card, Carnival® World Mastercard® have been collected by FinanceBuzz editors.
This puts it in competition with the best flat-rate cash back cards on the market. The Amex Blue Cash Preferred card also earns 6% cash-back on select U.S. streaming subscriptions, 3% cash-back on transit and at U.S. gas stations, and 1% cash-back on all other purchases. And the card offers unique benefits like a monthly Disney Bundle credit, a monthly Equinox credit, and return protection. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation.
Your APR will revert to the card's standard rate after the intro period ends. Note that your credit score is often just one of multiple factors that card issuers consider to determine your eligibility. You can also take advantage of complimentary airport lounge access with a one-time enrollment in Priority Pass Select. That could make flying to different cruise port cities more convenient and comfortable. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate follows a stricteditorial policy, so you can trust that our content is honest and accurate.
Cruises are an affordable, fun option for students looking for a spring break getaway. The Bank of America® Travel Rewards credit card for Students offers a welcome bonus with a modest spending requirement while earning 1.5 points per dollar on all purchases. The card’s introductory APR makes it possible to pay for your cruise over time without incurring interest. The Wells Fargo Active Cash® Card offers a simple flat rate earning structure, no annual fee and a relatively long 0% introductory period for purchases and balance transfers. Assuming you have the credit line available, making your cruise purchase on this card gives you time to make payments with no interest.
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