Best (and Worst) Ways to Use Credit Card Points to Pay for a Cruise

Woman relaxing on the deck of a cruise ship that she booked with reward points

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Many families think of cruising as an all-in-one vacation option that’s both affordable and fun. After all, you get three meals a day, onboard entertainment, and several stops at different islands or port cities for one low price.

But, did you know you can pay for a cruise entirely with rewards points? It’s possible to do so if you plan early and pick up the right combination of rewards cards. Still, you’ll need to go about it the right way, if you hope to maximize your efforts.

Best Ways to Use Rewards to Cover a Cruise

Before you hatch a plan to cover a cruise with rewards, it’s important to know the best ways to go about it. Not only should you focus on certain types of rewards cards, but you should take advantage of all the free perks you can.

Here are some of the best strategies to consider when paying for a cruise and related travel with rewards:

Score Cards That Offer Flexible Travel Credit

Cards like the Capital One Venture Rewards are ideal for cruises because you can redeem your points for any travel experience you want. The card also offers a signup bonus plus 2 points for every dollar you spend on all your purchases, making it a good option for racking up points quickly.

Score Free Trip Cancellation/Interruption Insurance

Some travel credit cards offer free trip cancellation/interruption insurance that will cover you if your cruise is canceled for reasons beyond your control. By using a card that provides this protection to pay for your cruise and airfare to the port, you may be able to justify not buying a travel insurance policy and pocketing the savings instead.

Get Both Spouses in the Game 

If one signup bonus can help you pay for a cruise, why not two? If you and a spouse both earned the signup bonus on the Capital One Venture Rewards card, for example, you’d have over $2,000 in signup bonuses alone to use toward the cruise of your choice.

As you plan out your rewards strategy, don’t forget that both spouses can earn signup bonuses on the same cards.

Consider Flexible Points Cards

While cards that offer flexible travel credit are a good option for a cruise, you can also pick out cards that let you book cruises through their portals. If you earn Chase Ultimate Rewards points, for example, you can book cruises with points and get 25% to 50% more travel, depending on which premier travel credit card you have.

The same is true with the Citi Premier card because you can book cruises directly with points via the Citi ThankYou travel portal.

Finally, using points to cover cruises is easy if you have a card that earns American Express Membership Rewards. You can shop for cruises directly through and use points to cover all or part of the expense.

The Worst Ways to Use Rewards to Cover a Cruise

While there are plenty of ways to get the most out of your points and efforts when booking a cruise, there are strategies that can hold you back as well.

When you get ready to rack up rewards points to cover a cruise, here are a few things you should never do:

Getting a Co-Branded Cruise Credit Card

Some travel credit cards are cruise-specific, meaning they are co-branded with a bank and a cruise line and marketed as a way to earn cruise discounts or added perks.

The Carnival World MasterCard is probably the most popular card in this niche, and frequent cruisers may be inclined to sign up for it if they don’t know any better. When you break down what this card really offers, however, it’s easy to see why it’s not worth pursuing. Not only does it offer just 20,000 points worth $200 as a signup bonus, but you only earn 1 “FunPoint” per $1 spent on all other purchases. In essence, those facts make this a 1% cash-back card with a $200 bonus and nothing more.

The worst part, however, is the fact you can only redeem your points for credits toward Carnival cruises. So, if you decided to go with another cruise line, you’d be out of luck.

If you’re tempted to get a credit card marketed by a cruise line, remember that you’d be a lot better off picking up a cash-back card instead. There are several that offer 2% cash-back or more with no annual fee.

Sticking With a 1% Cash-Back Card

Another way to miss out on rewards is by sticking with a regular 1% cash-back card and forgetting to sign up for one that offers more rewards. If you’re only earning 1% back on your card, consider a card like the Citi Double Cash. This card doesn’t charge an annual fee, yet it offers a flat 2% back for each dollar you spend—1% when you make a purchase and another 1% when you pay it off.

Also, consider the Discover it Miles for cruises. While this card offers only 1.5 miles for each dollar you spend, Discover promises to double your rewards after the first year. When you factor that in, this card doles out 3% for the first 12 months with no annual fee. Plus, you can redeem points with this card for any cruise or travel purchase you want.