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Cruise Credit Cards

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Carnival Cruise Credit Card

Annual Fee: $0 
$0 
APR: 14.99%, 19.99% or 24.99%*V 
14.99%, 19.99% or 24.99%*V 
Foreign Transaction Fee: 0% 
0% 
How Do You Earn Points: 2X Funpoints on all Carnival Cruise Lines 
2X Funpoints on all Carnival Cruise Lines 
Carnival is one of the most popular cruises. The FunPoints you earn with this card is also valuable because you can redeem points at 1.5% value if the price of your cruise is greater than $1,500.
 
No annual fee
 
No Foreign Transaction Fee
 
Redmption for statement credit is worth 1.5% if your cruise price is $1500 or greater.
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Princess Cruise Credit Card

Annual Fee: $0 
$0 
APR: 14.99%, 19.99% or 24.99%*V 
14.99%, 19.99% or 24.99%*V 
Foreign Transaction Fee: 0% 
0% 
How Do You Earn Points: 2X on all Princess Cruise Purchases 
2X on all Princess Cruise Purchases 
Princess Cruise points has one of the best redemption value for cruise discounts. At the highest tier, if your cruise expenses at above $4,000, your points will get you a 2% redemption rate - double that of a typical reward card.
 
No Annual Fee
 
No Foreign Transaction Fee
 
Free FICO Score
 
Good Reward Redemption.
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Royal Caribbean Credit Card

Annual Fee: $0 
$0 
APR: 13.99% to 23.99%*V 
13.99% to 23.99%*V 
Foreign Transaction Fee: 0% 
0% 
How Do You Earn Points: 2X MyCruise Points with Royal Caribbean, Celebrity Cruises and Azamara 
2X MyCruise Points with Royal Caribbean, Celebrity Cruises and Azamara 
The Royal Caribbean Visa allows you to earn and redeem points on not just Royal Caribbean cruises, but also on Celebrity and Azamara cruises.
 
No Annual Fee
 
No Foreign Transaction Fee
 
Free FICO Score
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Celebrity Cruise Visa Signature

Annual Fee: $69 
$69 
APR: 13.99% to 23.99%*V 
13.99% to 23.99%*V 
Foreign Transaction Fee: 0% 
0% 
How Do You Earn Points: 2X MyCruise Points with Celebrity Cruises, Royal Caribbean and Azamara 
2X MyCruise Points with Celebrity Cruises, Royal Caribbean and Azamara 
The points you earn on the Celebrity Cruise credit card can also be redeem for Royal Caribbean and Azamara cruises. The best feature of this card is their generous sign up bonus and anniversary bonus.
 
No Foreign Transaction Fee
 
Generous Sign Up Bonus
 
Anniversary Bonus
 
Annual Fee
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Holland America Visa

Annual Fee: $0 
$0 
APR: 14.99%, 19.99% or 24.99%*V 
14.99%, 19.99% or 24.99%*V 
Foreign Transaction Fee: 0% 
0% 
How Do You Earn Points: 2X on all Holland America Purchases 
2X on all Holland America Purchases 
Unlike most other reward cards, the points you earn have a redemption value of higher than 1% once you have 20,000 points. For example, you only need 80,000 points to get $1,000 off your Holland America Cruise.
 
Many Cruise Redemption valued at more than 1%
 
Points can be used for airfare discounts
 
No annual fee
 
No Foreign Transaction Fee
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Norwegian Cruise Lind Credit Card

Annual Fee: $0 
$0 
APR: 13.99% to 23.99%*V 
13.99% to 23.99%*V 
Foreign Transaction Fee: 3% 
3% 
How Do You Earn Points: 3X WordPoints for Norwegian Purchases 
3X WordPoints for Norwegian Purchases 
The points you earn on this card is best used for cabin upgrades. 30,000 points gets you a single class upgrade while 60,000 points gets you double level upgrades. Depending on the cruise, using your points this way can result in points having 6% value.
 
Earn 3X on Norwegian Purchases
 
No Annual Fee
 
Earn more points with Preferred Banking Account with BOA.
 
Great Value in points for cabin upgrade
 
Foreign Transaction Fee
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Azamara Visa

Annual Fee: $69 
$69 
APR:  
 
Foreign Transaction Fee: 0% 
0% 
How Do You Earn Points: 2X on Azamara Club Cruise®, Celebrity Curises® and Royal Caribbean®
1X on other purchases. 
2X on Azamara Club Cruise®, Celebrity Curises® and Royal Caribbean®
1X on other purchases. 
The Azamara Cruise is part of the Royal Caribbean and Celebrity Cruise family. You can use points to redeem for cruises, statement credits, OBCs on all of these cruises.
 
No Foreign Transaction Fee
 
Anniversary Bonus - 10,000 bonus points when you spend $10,000 a year
 
$50 off AirChoice once a year
 
Annual Fee
RESET

Best Credit Cards For Cruise Rewards

Here are the credit cards that we think are the best for cruise rewards. When you use your points wisely, the value you get from them makes these cards one of the best reward credit cards (whether it is airline, hotel or cruise).

Card Annual Fee Why We Rate This Card?

Norwegian Cruise Line® World MasterCard®
$0 We rate this card highly because you can get great value when you use points to redeem for a single or double class room upgrade. For example, you can upgrade from oceans view to balcony view. For many cruises (especially longer ones), the cost of upgrade far exceeds the points required.

Princess Cruise Credit Card
$0 The points from this card has one of the best value for saving on your next cruise. If you your cruise cost $4000 or more (for example), you can get 2% redemption value from your points. If it is between $2,001 and $4000, you will still get a 1.5% redemption value.

Carnival Cruise World MasterCard®
$0 If you cruise cost $1,500 or more, the points you use to redeem for a statement credit can be redeemed at 1.5%. While lower than the Princess Cruise points, it is still better than any other reward cards.


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