The perfect bank cards for reserving cruises


Editor’s be aware: It is a recurring publish, recurrently up to date with new data and affords.

There may be one frequent query we get from TPG readers who’re cruise lovers: What are the perfect bank cards for reserving cruises?

It may appear logical that one of the best ways to earn rewards on cruise bookings is to get a cruise line cobranded bank card. Nevertheless, these typically do not provide as stable of a price because the greatest journey bank cards.

For instance, the Royal Caribbean® Visa Signature® Card at the moment affords a sign-up bonus of 25,000 bonus factors (value $250 in onboard credit score) after you spend $1,000 inside 90 days of account opening and an ongoing charge of two factors per greenback on Royal Caribbean and Movie star Cruises purchases. This would possibly appear to be bonus, however you may truly get a a lot better worth from the welcome bonus on most common journey bank cards.

The data for the Royal Caribbean Visa Signature Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

If you wish to get essentially the most worth out of your trip purchases, right here we discover the perfect bank cards for reserving cruises and why you at all times need to pay to your trip at sea with a bank card.

For cruise information, evaluations and ideas, join TPG’s cruise publication.

TIM FAIRCLOTH/AZAMARA

beneficial welcome bonus on a brand new card or earn rewards to place towards future journey through the use of a card that earns bonus factors on journey purchases.

Every day Publication

Reward your inbox with the TPG Every day publication

Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists

Shield from billing errors

We have all skilled billing errors and the complications that include them. When you use money or a debit card to your cruise, a billing mistake can imply cash is already gone out of your account earlier than you notice there’s a problem. By utilizing a bank card, your cash is secure when you work to get the difficulty resolved.

Shield your spending

Many journey rewards playing cards include journey delay and cancellation insurance coverage, so you may be protected in case your journey plans go awry. When you plan on doing vital buying whereas in your ship, you need to use a card with buy safety to make sure your merchandise arrives safely dwelling.

Associated: All the pieces you have to find out about cruise insurance coverage

Membership Rewards factors after spending $3,000 in your first six months of card membership, value $800 in keeping with TPG valuations.

Annual charge: $150

Why it is nice for reserving cruises: The Amex Inexperienced earns 3 factors per greenback on journey purchases, together with cruises. This implies you may earn bonus factors on the cruise reserving in addition to any airfare or resort purchases you make to get to and out of your cruise. You will additionally get journey delay insurance coverage* that covers you as much as $300 per journey (most of two claims per 12-month interval) and buy safety† for as much as 90 days after you make a purchase order.

*Eligibility and profit degree varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
†Eligibility and profit ranges range by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.

The data for the American Specific Inexperienced Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

For extra particulars, please see our full evaluate of the Amex Inexperienced.

Associated: Who ought to (and should not) get the Amex Inexperienced?

Financial institution of America Premium Rewards bank card

THE POINTS GUY

Welcome bonus: Earn 60,000 bonus factors after spending $4,000 within the first 90 days of account opening, value $600.

Annual charge: $95

Why it is nice for reserving cruises: The Financial institution of America Premium Rewards bank card earns 2 factors per greenback on all journey purchases, together with cruise line purchases in addition to resort and airline purchases. You will additionally get journey protections akin to journey delay/cancellation/interruption insurance coverage and buy safety for as much as 90 days after your date of buy.

And if you happen to’re a Financial institution of America Most well-liked Rewards® member, you may earn an extra 25%-75% rewards bonus on each buy — supplying you with a good higher return in your cruise spending.

For extra particulars, please see our full evaluate of the Financial institution of America Premium Rewards bank card.


Apply right here: Financial institution of America Premium Rewards bank card


Associated: All the pieces you need to find out about Financial institution of America’s Most well-liked Rewards program

Capital One Enterprise Rewards Credit score Card

THE POINTS GUY

Welcome bonus: Earn 75,000 Capital One miles after spending $4,000 within the first three months from account opening, value $1,388 in keeping with TPG valuations.

Annual charge: $95 (see charges and costs)

Why it is nice for reserving cruises: The Capital One Enterprise Rewards earns 2 miles per greenback on all purchases, together with cruise bookings. You possibly can redeem the rewards you earn for a press release credit score to cowl journey bills, together with cruise line purchases. You will additionally get journey and emergency help providers.

For extra particulars, please see our full evaluate of the Capital One Enterprise Rewards.


Apply right here: Capital One Enterprise Rewards


Associated: 7 causes to get the Capital One Enterprise Rewards card

Capital One Enterprise X Rewards Credit score Card

THE POINTS GUY

Welcome bonus: Earn 75,000 Capital One miles after spending $4,000 within the first three months from account opening, value $1,388 in keeping with TPG valuations.

Annual charge: $395 (see charges and costs)

Why it is nice for reserving cruises: Just like the Enterprise Rewards, the Enterprise X earns 2 miles per greenback on all purchases, together with cruises, and comes with a number of journey protections. What makes the Enterprise X stand out is that it will possibly make your journey run extra easily with further perks like complimentary airport lounge entry, a press release credit score for TSA PreCheck or World Entry and a $300 annual credit score for journey booked by Capital One Journey.

For extra particulars, please see our full evaluate of the Capital One Enterprise X.


Apply right here: Capital One Enterprise X


Associated: Is the Enterprise X definitely worth the annual charge?

Chase Sapphire Most well-liked

THE POINTS GUY

Welcome bonus: Earn 60,000 Chase Final Rewards factors after spending $4,000 on purchases within the first three months from account opening, value $1,230 in keeping with TPG valuations.

Annual charge: $95

Why it is nice for reserving cruises: The Chase Sapphire Most well-liked earns a beneficial 2 factors per greenback on journey purchases, together with cruise bookings. What makes this card stand out is its spectacular journey protections. While you use it to e-book journey, you may get safety towards misplaced or delayed baggage, in addition to journey delays, accidents and cancellations.

For extra particulars, please see our full evaluate of the Chase Sapphire Most well-liked.


Apply right here: Chase Sapphire Most well-liked


Associated: Why the Chase Sapphire Most well-liked is ideal for the typical traveler

Chase Sapphire Reserve

THE POINTS GUY

Welcome bonus: Earn 60,000 Chase Final Rewards factors after spending $4,000 on purchases within the first three months from account opening, value $1,230 in keeping with TPG valuations.

Annual charge: $550

Why it is nice for reserving cruises: The Chase Sapphire Reserve earns 3 factors per greenback on journey purchases, together with cruise bookings. You will additionally get a barely higher suite of journey protections than with the Sapphire Most well-liked, plus airport lounge entry and a credit score for TSA PreCheck or World Entry. Maybe the perfect perk on this card, nonetheless, is a $300 annual journey assertion credit score routinely utilized to journey purchases, that means you will get $300 again in your cruise reserving whenever you use this card to pay.

For extra particulars, please see our full evaluate of the Chase Sapphire Reserve.


Apply right here: Chase Sapphire Reserve


Associated: Chase Sapphire Most well-liked vs. Sapphire Reserve

The Platinum Card from American Specific

THE POINTS GUY

Welcome bonus: Earn 80,000 Membership Rewards factors after spending $8,000 within the first six months of card membership, value $1,600 in keeping with TPG valuations.

Annual charge: $695

Why it is nice for reserving cruises: You will not earn bonus factors on cruise bookings with this card, however you may get entry to the Amex Cruise Privileges Program, the place you may obtain onboard credit score and an additional onboard amenity for every cruise reserving. Plus, the Amex Platinum earns 5 factors per greenback on flights (when reserving with the airline or by Amex Journey on as much as $500,000 on these purchases per calendar yr) and comes with complete airport lounge entry, so it is also nice for reserving journey to and out of your cruise departure port.

For extra particulars, please see our full evaluate of the Amex Platinum.


Apply right here: Amex Platinum


Associated: Find out how to maximize advantages with the Amex Platinum

U.S. Financial institution Altitude Reserve Visa Infinite Card

THE POINTS GUY

Welcome bonus: Earn 50,000 bonus factors after spending $4,500 within the first 90 days of account opening, value $750.

Annual charge: $400.

Why it is nice for reserving cruises: The Altitude Reserve earns 3 factors per greenback on journey purchases and comes with as much as $325 in annual credit for journey purchases. This implies you will get $325 again in your cruise reserving whenever you use this card.

For extra particulars, please see our full evaluate of the Altitude Reserve.

Associated: Greatest bank cards with annual journey assertion credit

Disney Dream. SUMMER HULL/THE POINTS GUY

right here.
For charges and costs of the Platinum Card from American Specific please click on right here.

Scroll to Top