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We've all experienced billing mistakes and the headaches that come with them. If you use cash or a debit card for your cruise, a billing mistake can mean money is already gone from your account before you realize there's an issue. By using a credit card, your money is safe while you work to get the issue resolved. The Cruise Privileges Program works with a dozen major cruise lines, like Royal Caribbean, Holland America and Crystal.
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Co-Branded Cruise Credit Cards
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.
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However, the rewards rate for travel purchases isn't the only factor. You should also consider the type of rewards – a few travel cards offer cash back instead of points, for instance. When you choose to apply (and are approved) for a new credit card through our site, we may receive compensation from our partners, and this may impact how or where these products appear.
Travel Scams I’ve Encountered After Taking Over 75 Cruises
Yes, you can use these points to pay for cruises, but you could also redeem them for other parts of your upcoming vacation. A cruise credit card earns points based on dollars spent that can be redeemed as credits to cover card purchases. A cruise line's loyalty program issues a separate type of point, based on days or cruises sailed, that leads to status levels that offer increasing cruise perks, discounts and freebies. Thus, having a cruise line's credit card can help you earn a free cruise but won't help you earn status with that cruise line. This card offers double points on travel and dining and 1.5 points on all other purchases, making this a great rewards card for travelers. The points never expire and you can get up to $200 in combined airline incidental and airport expedited screening statement credits and valuable travel insurance protections.
Best credit cards for cruises in 2023
If you’re thinking of picking up a credit card for your next cruise, you should select one that gives you the most bang for your buck. This means picking a card with a generous welcome offer and plenty of rewards for your spending. If you get some extra travel perks along the way, that’s even better.
Compare the Chase Sapphire Preferred Card to the Royal Caribbean Visa Signature® card. A Bachelor of Journalism graduate hailing from Australia, Hayley is an experienced travel writer and the award-winning travel blogger behind Hayley on Holiday. Her travel writing has featured on Lonely Planet, Matador Network, and The Culture Trip. As for her travel experience, Hayley is a big advocate for solo travel and working holidays and has visited over 40 countries. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. You will also receive up to 3x points per dollar spent for the following categories.
For AmEx Platinum's trip delay and trip cancelation coverage, eligibility and benefit level varies by card. If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there. All of this means that it’s a great time to start earning rewards for your next cruise. RewardsCircle with letter I in it.Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel. Also be aware that the 3% foreign transaction fee can add up quickly.
Should I pay for my cruise with a credit card?
A few cruise options will display there, but you’ll have to call Chase's Cruises and Tours department to book. And even if you don’t see a great cruise option in a search, you may be able to book cruises that aren't listed when you call Chase. Each cruise-goer has different desires and budget restrictions, so there’s no one size fits all card. For instance, a card that might be considered mediocre overall could be the top card on a list of rewards cards with no annual fee. That’s because the card might offer limited features compared to other rewards cards, but after we remove cards that charge an annual fee, it’s the best card that remains. That said, if you do opt for a cruise line co-branded credit card, look for one that offers perks like onboard credits and other cruise upgrades.
When choosing a credit card to book a cruise, consider what benefits you would like to earn — bonus points, cash-back, or cruise line perks. Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value. 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.
We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Don't forget that you still need to make at least your minimum payment every month. Your APR will revert to the card's standard rate after the intro period ends.
However, the best cruise credit card award has to go to the Royal Caribbean Visa Signature Card®. There's no annual fee, no foreign transaction fees, and 25,000 bonus MyCruise Rewards points up for grabs. The biggest advantage of getting a card that is co-branded with a specific cruise company is that you may get occasional promotions and special coupons for being a cardholder. However when it comes to what you’re earning, sometimes the best credit cards for cruise rewards are just the generic travel cards.
The Chase Freedom Unlimited® is a great option for individuals looking to earn rewards points on general spending. For those who need a reliable credit card that saves money and earns points, this card is the best option for you. But, how you pay for a cruise can make a big difference, thanks to bonus points and added perks along the way. While some cruise lines have their own co-branded cruise credit cards, those may only interest travelers who stay loyal to one company. Instead, check out these five travel credit cards, which deliver solid value when booking some of the newest ships of the year, no matter what line you're cruising on. Some credit cards earn bonus points on the general “travel” category, which includes cruises, while other cards earn bonus points at stores that sell cruise line gift cards.
5 Things to Know About the Royal Caribbean Credit Card - NerdWallet
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Posted: Mon, 31 Jul 2023 07:00:00 GMT [source]
At Bankrate we strive to help you make smarter financial decisions. While we adhere to stricteditorial integrity,this post may contain references to products from our partners. Here's an explanation for how we make money.The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
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