Home > Credit Cards > 5 Credit Cards for Cruise Lovers

Comments 0 Comments

You can have a whirlwind vacation without having to move from hotel to hotel. In fact, on a cruise your hotel room moves along with you.

But besides having a more hassle-free vibe, there are many rewards credit cards that offer cruisers ways to save money on their voyages and earn extra rewards on the money they do spend. Here are five of the best credit cards to help cruise fanatics earn special rewards and make the most of the money they spend.

1. Celebrity Visa Signature Card From Bank of America

This card offers new applicants two MyCruise Points for each dollar spent on Celebrity, Royal Caribbean and Azamara Club cruises, and one point per dollar spent on all other purchases. Points are worth one cent each toward onboard purchases, and new cardholders can earn 10,000 bonus points when they make a transaction within the first 65 days after opening their account. In addition, cardholders receive another 7,500 bonus points after spending $3,000 within 90 days of opening the account. This card is offered in a no-fee version, as well as one with an annual fee of $69 that offers discounts on cruise purchases and no foreign transaction fees.

2. Norwegian Cruise Line World MasterCard From Bank of America

Cardholders earn 10,000 WorldPoints, worth $100 off their next cruise, when they make their first transaction within 90 days. One point is earned per dollar spent on most purchases, and double points on all Norwegian purchases. Cardholders can redeem points for stateroom upgrades, travel discounts, onboard credits, car rentals, hotel stays or gift cards, and they also receive exclusive redemption opportunities for last-minute cruises and other special offers. There is no annual fee for this card, but there is a 3% foreign transaction fee imposed on all charges processed outside of the U.S.

3. The Carnival MasterCard From Barclaycard

This card offers double FunPoints for all spending on Carnival cruises, including onboard purchases, and one point per Dollar spent on all other purchases. Points are worth one cent each toward cruises on Carnival and the other World Leading Cruise Lines such as Princess Cruises, Holland America Line, Costa Cruises and the Yachts of Seabourn. New applicants receive 5,000 bonus FunPoints when they use their card for the first time, as well as 15 months of 0% APR promotional financing on balance transfers completed within 45 days of account opening. There is no annual fee for this card, and no foreign transaction fees.

4. Barclaycard Arrival Plus

Although this card is not offered by a cruise line, it earns miles that can be redeemed for any travel-related expense, including cruises. Cardholders earn double miles on all transactions, and each mile is worth one cent each as statement credits toward travel expenses — including not just cruises but airfare, car rentals, hotels and tours. New cardholders receive 40,000 bonus miles after spending $3,000 within 90 days of opening their account. In addition, cardholders receive a 10% rebate on the miles they redeem. There is an $89 annual fee for this card that is waived the first year, and no foreign transaction fees.

5. Capital One Venture Rewards

Like the Barclaycard Arrival Plus, the Venture Rewards card offers double miles on all purchase, and these miles can be redeemed as statement credits towards cruises and other travel expenses. New cardholders also receive 40,000 bonus miles after spending $3,000 within 90 days of opening their account. There is a $59 annual fee for this card that is waived the first year, and no foreign transaction fees.

Keep in mind that the optimal way to use a rewards card is to charge no more than you can pay in full each month, and not carry a balance, as the interest charges can negate the rewards you would earn. Also, before you apply for any card, it’s helpful to know your credit score so that you search for a card in your credit range that you’re more likely to get approved for. You can see your credit scores for free on Credit.com, with updates every month.

At publishing time, the Barclaycard Arrival Plus and Capital One Venture Rewards are offered through Credit.com product pages, and Credit.com is compensated if our users apply for and ultimately sign up for any of these cards. However, this relationship does not result in any preferential editorial treatment.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

More on Credit Cards:

Image: Purestock

Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It is not a bank advertiser's responsibility to ensure all posts and/or questions are answered.

Please note that our comments are moderated, so it may take a little time before you see them on the page. Thanks for your patience.

Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.

Hello, Reader!

Thanks for checking out Credit.com. We hope you find the site and the journalism we produce useful. We wanted to take some time to tell you a bit about ourselves.

Our People

The Credit.com editorial team is staffed by a team of editors and reporters, each with many years of financial reporting experience. We’ve worked for places like the New York Times, American Banker, Frontline, TheStreet.com, Business Insider, ABC News, NBC News, CNBC and many others. We also employ a few freelancers and more than 50 contributors (these are typically subject matter experts from the worlds of finance, academia, politics, business and elsewhere).

Our Reporting

We take great pains to ensure that the articles, video and graphics you see on Credit.com are thoroughly reported and fact-checked. Each story is read by two separate editors, and we adhere to the highest editorial standards. We’re not perfect, however, and if you see something that you think is wrong, please email us at editorial team [at] credit [dot] com,

The Credit.com editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.

In addition to appearing on Credit.com, our articles are syndicated to dozens of other news sites. We have more than 100 partners, including MSN, ABC News, CBS News, Yahoo, Marketwatch, Scripps, Money Magazine and many others. This network operates similarly to the Associated Press or Reuters, except we focus almost exclusively on issues relating to personal finance. These are not advertorial or paid placements, rather we provide these articles to our partners in most cases for free. These relationships create more awareness of Credit.com in general and they result in more traffic to us as well.

Our Business Model

Credit.com’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, Credit.com maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, Credit.com will get paid what is essentially a finder’s fee if that person ends up getting the card. That doesn’t mean, however, that our editorial decisions are informed by the products available in our marketplace. The editorial team chooses what to write about and how to write about it independently of the decisions and priorities of the business side of the company. In fact, we maintain a strict and important firewall between the editorial and business departments. Our mission as journalists is to serve the reader, not the advertiser. In that sense, we are no different from any other news organization that is supported by ad revenue.

Visitors to Credit.com are also able to register for a free Credit.com account, which gives them access to a tool called The Credit Report Card. This tool provides users with two free credit scores and a breakdown of the information in their Experian credit report, updated twice monthly. Again, this tool is entirely free, and we mention that frequently in our articles, because we think that it’s a good thing for users to have access to data like this. Separate from its educational value, there is also a business angle to the Credit Report Card. Registered users can be matched with products and services for which they are most likely to qualify. In other words, if you register and you find that your credit is less than stellar, Credit.com won’t recommend a high-end platinum credit card that requires an excellent credit score You’d likely get rejected, and that’s no good for you or Credit.com. You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and Credit.com wouldn’t get paid. These are essentially what are commonly referred to as "targeted ads" in the world of the Internet. Despite all of this, however, even if you never apply for any product, the Credit Report Card will remain free, and none of this will impact how the editorial team reports on credit and credit scores.

Our Owners

Credit.com is owned by Progrexion Holdings Inc. which is the owner and administrator of a number of business related to credit and credit repair, including CreditRepair.com, and eFolks. In addition, Progrexion also provides services to Lexington Law Firm as a third party provider. Despite being owned by Progrexion, it is not the role of the Credit.com editorial team to advocate the use of the company’s other services. In articles, reporters may mention credit repair as an option, for example, but we’ll also be sure to note the various alternatives to that service. Furthermore, you may see ads for credit repair services on Credit.com, but the editorial team isn’t responsible for the creation or implementation of those ads, anymore than reporters for the New York Times or Washington Post are responsible for the ads on their sites.

Your Stories

Lastly, much of what we do is informed by our own experiences as well as the experiences of our readers. We want to tell your stories if you’re interested in sharing them. Please email us at story ideas [at] credit [dot] com with ideas or visit us on Facebook or Twitter.

Thanks for stopping by.

- The Credit.com Editorial Team