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Best Credit Cards for Cruises

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

CardRewards.ai helps you find the best credit card for your spending with data-driven recommendations, side-by-side comparisons, and expert analysis.

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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.

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Best Credit Cards for Cruises

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

Resolved as:CruisesCached
95%
Cruise purchases sometimes code as travel, not a separate category. Check if your card's travel bonus applies to cruise lines.
Not right? Try:
107 matches630ms

Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank

1

Bilt Palladium Card

Cardless

2x Bilt Rewards on Cruises
2x × 2.2¢/pt = 4.4¢ per dollar

Why this card

    $300 in credits offset the $495 fee

    MASTERCARD
    4.4¢
    per dollar on cruises
    $495/yr($300 in credits)
    Annual rewards$264.00
    + Credits$300
    − Annual fee$495
    Net annual value$69
    2

    Capital One Venture X Rewards Credit Card

    Capital One

    2x Venture Miles on Cruises
    2x × 1.9¢/pt = 3.7¢ per dollar

    Why this card

      $315 in credits offset the $395 fee

      VISA
      3.7¢
      per dollar on cruises
      $395/yr($315 in credits)
      Annual rewards$222
      + Credits$315
      − Annual fee$395
      Net annual value$142
      3

      BMO Escape

      Bmo

      3x points on Cruises

      Why this card

      1. 1.3x on Cruises ($180/yr on $6,000 spend)

      $132.50 in credits offset the $150 fee

      MASTERCARDCore Rate
      3.0¢
      per dollar on cruises
      $150/yr($132.50 in credits)
      Annual rewards$180
      + Credits$132.50
      − Annual fee$150
      Net annual value$162.50

      Bonus rate on first $3,000/quarterly, then base rate

      Citi Strata Elite℠ Card
      4

      Citi Strata Elite℠ Card

      Citi

      1.5x ThankYou Points on Cruises
      1.5x × 1.6¢/pt = 2.4¢ per dollar

      Why this card

        $762.50 in credits fully offsets the $595 fee

        MASTERCARD
        2.4¢
        per dollar on cruises
        $595/yr($762.50 in credits)
        Annual rewards$144
        + Credits$762.50
        − Annual fee$595
        Net annual value$311.50
        5

        The Platinum Card from American Express

        Amex

        1x Membership Rewards on Cruises
        1x × 1.5¢/pt = 1.5¢ per dollar

        Why this card

          $1,397 in credits fully offsets the $895 fee

          AMEX
          1.5¢
          per dollar on cruises
          $895/yr($1,397 in credits)
          Annual rewards$90
          + Credits$1,397
          − Annual fee$895
          Net annual value$592
          Capital One VentureOne Rewards Credit Card
          6

          Capital One VentureOne Rewards Credit Card

          Capital One

          1.25x Venture Miles on Cruises
          1.25x × 1.9¢/pt = 2.3¢ per dollar

          Why this card

            No annual fee

            MASTERCARD
            2.3¢
            per dollar on cruises
            No annual fee
            Annual rewards$138.75
            Net annual value$138.75
            U.S. Bank Smartly Visa Signature Card
            7

            U.S. Bank Smartly Visa Signature Card

            Usbank

            2% cash back on Cruises

            Why this card

              No annual fee

              VISA
              2.0¢
              per dollar on cruises
              No annual fee
              Annual rewards$120
              Net annual value$120
              8

              One Key+ Card

              Wells Fargo

              2% cash back on Cruises
              MASTERCARD
              2.0¢
              per dollar on cruises
              $99/yr
              Annual rewards$120
              − Annual fee$99
              Net annual value$21
              Chase Sapphire Preferred Card
              9

              Chase Sapphire Preferred Card

              Chase

              1x Ultimate Rewards on Cruises
              1x × 1.8¢/pt = 1.8¢ per dollar

              Why this card

              1. 1.Travel Accident Insurance

              $134 in credits fully offsets the $95 fee

              VISA
              1.8¢
              per dollar on cruises
              $95/yr($134 in credits)
              Annual rewards$108
              + Credits$134
              − Annual fee$95
              Net annual value$147
              Synchrony Premier Mastercard
              10

              Synchrony Premier Mastercard

              Synchrony

              2% cash back on Cruises

              Why this card

                No annual fee

                MASTERCARD
                2.0¢
                per dollar on cruises
                No annual fee
                Annual rewards$120
                Net annual value$120
                Wells Fargo Active Cash Card
                11

                Wells Fargo Active Cash Card

                Wells Fargo

                2% cash back on Cruises
                Up to 3.2¢/$ (1.6¢/pt)via Choice Privileges

                Why this card

                1. 1.Up to 1.6¢/pt via Choice Privileges

                No annual fee

                VISA
                2.0¢
                per dollar on cruises
                No annual fee
                Annual rewards$120
                Net annual value$120
                Fidelity Rewards Visa Signature Card
                12

                Fidelity Rewards Visa Signature Card

                Elan Financial

                2% cash back on Cruises

                Why this card

                  No annual fee

                  VISA
                  2.0¢
                  per dollar on cruises
                  No annual fee
                  Annual rewards$120
                  Net annual value$120
                  13

                  TD Double Up Credit Card

                  Td Bank

                  2% cash back on Cruises

                  Why this card

                    No annual fee

                    VISA
                    2.0¢
                    per dollar on cruises
                    No annual fee
                    Annual rewards$120
                    Net annual value$120
                    Bilt Blue Card
                    14

                    Bilt Blue Card

                    Cardless

                    1x Bilt Rewards on Cruises
                    1x × 2.2¢/pt = 2.2¢ per dollar

                    Why this card

                      No annual fee

                      MASTERCARD
                      2.2¢
                      per dollar on cruises
                      No annual fee
                      Annual rewards$132.00
                      Net annual value$132.00
                      Bilt Obsidian Card
                      15

                      Bilt Obsidian Card

                      Cardless

                      1x Bilt Rewards on Cruises
                      1x × 2.2¢/pt = 2.2¢ per dollar

                      Why this card

                        $20 in credits offset the $95 fee

                        MASTERCARD
                        2.2¢
                        per dollar on cruises
                        $95/yr($20 in credits)
                        Annual rewards$132.00
                        + Credits$20
                        − Annual fee$95
                        Net annual value$57.00
                        Rakuten American Express Card
                        16

                        Rakuten American Express Card

                        First Electronic Bank

                        1% cash back on Cruises

                        Convertible Cash Back — 1.0–2.0¢/$

                        This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

                        Why this card

                        1. 1.Cash back converts at 1.6¢ avg — 1.6× cash value

                        No annual fee

                        AMEXConvertible
                        1.0–2.0¢
                        per dollar on cruises
                        depending on redemption
                        No annual fee
                        Annual rewards$94
                        Net annual value$94
                        Chase Sapphire Reserve
                        17

                        Chase Sapphire Reserve

                        Chase

                        1x Ultimate Rewards on Cruises
                        1x × 1.8¢/pt = 1.8¢ per dollar

                        Why this card

                        1. 1.Travel Accident Insurance

                        $960 in credits fully offsets the $795 fee

                        VISA
                        1.8¢
                        per dollar on cruises
                        $795/yr($960 in credits)
                        Annual rewards$108
                        + Credits$960
                        − Annual fee$795
                        Net annual value$273
                        18

                        SoFi Credit Card

                        Sofi

                        2% cash back on Cruises

                        Why this card

                          No annual fee

                          MASTERCARD
                          2.0¢
                          per dollar on cruises
                          No annual fee
                          Annual rewards$120
                          Net annual value$120
                          Citi Double Cash Card
                          19

                          Citi Double Cash Card

                          Citi

                          2% cash back on Cruises

                          Why this card

                            No annual fee

                            MASTERCARD
                            2.0¢
                            per dollar on cruises
                            No annual fee
                            Annual rewards$120
                            Net annual value$120
                            BJ's One+™ Mastercard®
                            20

                            BJ's One+™ Mastercard®

                            Capital One

                            2% cash back on Cruises

                            Why this card

                              No annual fee

                              MASTERCARD
                              2.0¢
                              per dollar on cruises
                              No annual fee
                              Annual rewards$120
                              Net annual value$120
                              Bank of America® Unlimited Cash Rewards Secured
                              21

                              Bank of America® Unlimited Cash Rewards Secured

                              Bank Of America

                              1.5% cash back on Cruises

                              Why this card

                              1. 1.1.5% cash back on Cruises ($90/yr on $6,000 spend)

                              No annual fee

                              VISACore Rate
                              1.5¢
                              per dollar on cruises
                              No annual fee
                              Annual rewards$90
                              Net annual value$90
                              Bank of America Travel Rewards Credit Card for Students
                              22

                              Bank of America Travel Rewards Credit Card for Students

                              Bank Of America

                              1.5x Bank of America Points on Cruises
                              1.5x × 1.0¢/pt = 1.5¢ per dollar

                              Why this card

                                No annual fee

                                VISA
                                1.5¢
                                per dollar on cruises
                                No annual fee
                                Annual rewards$90
                                Net annual value$90
                                Discover it® Miles
                                23

                                Discover it® Miles

                                Discover

                                1.5x Cashback on Cruises
                                1.5x × 1.0¢/pt = 1.5¢ per dollar

                                Why this card

                                  No annual fee

                                  DISCOVER
                                  1.5¢
                                  per dollar on cruises
                                  No annual fee
                                  Annual rewards$90
                                  Net annual value$90
                                  Navy Federal Visa cashRewards Card
                                  24

                                  Navy Federal Visa cashRewards Card

                                  Navy Federal

                                  1.5% cash back on Cruises

                                  Why this card

                                    No annual fee

                                    VISA
                                    1.5¢
                                    per dollar on cruises
                                    No annual fee
                                    Annual rewards$90
                                    Net annual value$90
                                    Capital One QuicksilverOne Cash Rewards Credit Card
                                    25

                                    Capital One QuicksilverOne Cash Rewards Credit Card

                                    Capital One

                                    1.5% cash back on Cruises
                                    MASTERCARD
                                    1.5¢
                                    per dollar on cruises
                                    $39/yr
                                    Annual rewards$90
                                    − Annual fee$39
                                    Net annual value$51
                                    Citi Strata Premier Card
                                    26

                                    Citi Strata Premier Card

                                    Citi

                                    1x ThankYou Points on Cruises
                                    1x × 1.6¢/pt = 1.6¢ per dollar

                                    Why this card

                                      $50 in credits offset the $95 fee

                                      MASTERCARD
                                      1.6¢
                                      per dollar on cruises
                                      $95/yr($50 in credits)
                                      Annual rewards$96
                                      + Credits$50
                                      − Annual fee$95
                                      Net annual value$51
                                      Chase Freedom Unlimited
                                      27

                                      Chase Freedom Unlimited

                                      Chase

                                      1.5% cash back on Cruises

                                      Why this card

                                        No annual fee

                                        VISA
                                        1.5¢
                                        per dollar on cruises
                                        No annual fee($30 in credits)
                                        Annual rewards$90
                                        + Credits$30
                                        Net annual value$120
                                        28

                                        PenFed Pathfinder Rewards Visa Signature Card

                                        Penfed

                                        1.5x Penfed Honors Advantage on Cruises
                                        1.5x × 0.9¢/pt = 1.3¢ per dollar

                                        Why this card

                                          $50 in credits offset the $95 fee

                                          VISA
                                          1.3¢
                                          per dollar on cruises
                                          $95/yr($50 in credits)
                                          Annual rewards$80.10
                                          + Credits$50
                                          − Annual fee$95
                                          Net annual value$35.10
                                          Bank of America® Unlimited Cash Rewards for Students
                                          29

                                          Bank of America® Unlimited Cash Rewards for Students

                                          Bank Of America

                                          1.5% cash back on Cruises

                                          Why this card

                                            No annual fee

                                            VISA
                                            1.5¢
                                            per dollar on cruises
                                            No annual fee
                                            Annual rewards$90
                                            Net annual value$90
                                            Capital One Quicksilver Cash Rewards Credit Card
                                            30

                                            Capital One Quicksilver Cash Rewards Credit Card

                                            Capital One

                                            1.5% cash back on Cruises

                                            Why this card

                                              No annual fee

                                              MASTERCARD
                                              1.5¢
                                              per dollar on cruises
                                              No annual fee
                                              Annual rewards$90
                                              Net annual value$90