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best card for rci online

Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

About
  • Blog
  • Contact
Product
  • Documentation
Legal
  • Terms of Service
  • Privacy Policy
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Results from

$6,000

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Resolved as:Cruises
Merchant: RCI
Cached
85%
Cruise purchases sometimes code as travel, not a separate category. Check if your card's travel bonus applies to cruise lines.
Not right? Try:
44 matches1641ms
RCI® Elite Rewards® Mastercard®
1

RCI® Elite Rewards® Mastercard®

Barclays

5x points on Cruises

Why this card

  1. 1.5x on Cruises ($300/yr on $6,000 spend)

No annual fee

MASTERCARD
Core Rate
5.0¢
per dollar on cruises
No annual fee
Annual rewards$300
Net annual value$300
No image
2

Capital One Venture X Rewards Credit Card

Capital One

2x Venture Miles on Cruises
2x × 1.9¢/pt = 3.1¢ per dollar

Why this card

    $315 in credits offset the $395 fee

    VISA
    3.1¢
    per dollar on cruises
    $395/yr($315 in credits)
    Annual rewards$188.70
    + Credits$315
    \u2212 Annual fee$395
    Net annual value$108.70
    No image
    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

    MASTERCARD
    Core Rate
    3.0¢
    per dollar on cruises
    $150/yr($132.50 in credits)
    Annual rewards$180
    + Credits$132.50
    \u2212 Annual fee$150
    Net annual value$162.50

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

    No image
    4

    The Platinum Card from American Express

    Amex

    1x Membership Rewards on Cruises
    1x × 1.8¢/pt = 1.5¢ per dollar

    Why this card

      $1,422 in credits fully offsets the $895 fee

      AMEX
      1.5¢
      per dollar on cruises
      $895/yr($1,422 in credits)
      Annual rewards$91.80
      + Credits$1,422
      \u2212 Annual fee$895
      Net annual value$618.80
      Citi Strata Elite℠ Card
      5

      Citi Strata Elite℠ Card

      Citi

      1.5x ThankYou Points on Cruises
      1.5x × 1.5¢/pt = 1.9¢ per dollar

      Why this card

        $762.50 in credits fully offsets the $595 fee

        MASTERCARD
        1.9¢
        per dollar on cruises
        $595/yr($762.50 in credits)
        Annual rewards$114.75
        + Credits$762.50
        \u2212 Annual fee$595
        Net annual value$282.25
        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 = 2.0¢ per dollar

        Why this card

          No annual fee

          MASTERCARD
          2.0¢
          per dollar on cruises
          No annual fee
          Annual rewards$117.94
          Net annual value$117.94
          Bank of America® Unlimited Cash Rewards for Students
          7

          Bank of America® Unlimited Cash Rewards for Students

          Bank Of America

          2% cash back on Cruises

          Why this card

            No annual fee

            VISA
            1.7¢
            per dollar on cruises
            No annual fee($8 in credits)
            Annual rewards$102
            + Credits$8
            Net annual value$110
            Chase Sapphire Reserve
            8

            Chase Sapphire Reserve

            Chase

            1x Ultimate Rewards on Cruises
            1x × 1.8¢/pt = 1.5¢ per dollar

            Why this card

              $968 in credits fully offsets the $795 fee

              VISA
              1.5¢
              per dollar on cruises
              $795/yr($968 in credits)
              Annual rewards$91.80
              + Credits$968
              \u2212 Annual fee$795
              Net annual value$264.80
              Wells Fargo Active Cash Card
              9

              Wells Fargo Active Cash Card

              Wells Fargo

              2% cash back on Cruises

              Why this card

                No annual fee

                VISA
                1.7¢
                per dollar on cruises
                No annual fee($8 in credits)
                Annual rewards$102
                + Credits$8
                Net annual value$110
                U.S. Bank Smartly Visa Signature Card
                10

                U.S. Bank Smartly Visa Signature Card

                Usbank

                2% cash back on Cruises

                Why this card

                  No annual fee

                  VISA
                  1.7¢
                  per dollar on cruises
                  No annual fee($8 in credits)
                  Annual rewards$102
                  + Credits$8
                  Net annual value$110
                  No image
                  11

                  TD Double Up Credit Card

                  Td Bank

                  2% cash back on Cruises

                  Why this card

                    No annual fee

                    VISA
                    1.7¢
                    per dollar on cruises
                    No annual fee($8 in credits)
                    Annual rewards$102
                    + Credits$8
                    Net annual value$110
                    Navy Federal Flagship Rewards® Card
                    12

                    Navy Federal Flagship Rewards® Card

                    Navy Federal

                    2x Navy Federal Nrewards on Cruises
                    2x × 1.0¢/pt = 1.7¢ per dollar

                    Why this card

                      No annual fee

                      VISA
                      1.7¢
                      per dollar on cruises
                      No annual fee($8 in credits)
                      Annual rewards$102
                      + Credits$8
                      Net annual value$110
                      Fidelity Rewards Visa Signature Card
                      13

                      Fidelity Rewards Visa Signature Card

                      Elan Financial

                      2% cash back on Cruises

                      Why this card

                        No annual fee

                        VISA
                        1.7¢
                        per dollar on cruises
                        No annual fee($8 in credits)
                        Annual rewards$102
                        + Credits$8
                        Net annual value$110
                        No image
                        14

                        Verizon Visa Card

                        Synchrony

                        2% cash back on Cruises

                        Why this card

                          No annual fee

                          VISA
                          1.7¢
                          per dollar on cruises
                          No annual fee($8 in credits)
                          Annual rewards$102
                          + Credits$8
                          Net annual value$110
                          Bilt Blue Card
                          15

                          Bilt Blue Card

                          Cardless

                          1x Bilt Rewards on Cruises
                          1x × 2.0¢/pt = 1.7¢ per dollar

                          Why this card

                            No annual fee

                            MASTERCARD
                            1.7¢
                            per dollar on cruises
                            No annual fee
                            Annual rewards$102
                            Net annual value$102
                            Synchrony Premier Mastercard
                            16

                            Synchrony Premier Mastercard

                            Synchrony

                            2% cash back on Cruises

                            Why this card

                              No annual fee

                              MASTERCARD
                              1.7¢
                              per dollar on cruises
                              No annual fee
                              Annual rewards$102
                              Net annual value$102
                              No image
                              17

                              One Key+ Card

                              Wells Fargo

                              2% cash back on Cruises

                              Why this card

                                No annual fee

                                MASTERCARD
                                1.7¢
                                per dollar on cruises
                                No annual fee
                                Annual rewards$102
                                Net annual value$102
                                Capital Vacations® World Mastercard®
                                18

                                Capital Vacations® World Mastercard®

                                Barclays

                                2x points on Cruises

                                Why this card

                                1. 1.2x on Cruises ($120/yr on $6,000 spend)

                                No annual fee

                                MASTERCARD
                                Core Rate
                                2.0¢
                                per dollar on cruises
                                No annual fee
                                Annual rewards$120
                                Net annual value$120
                                Bank of America Unlimited Cash Rewards Credit Card
                                19

                                Bank of America Unlimited Cash Rewards Credit Card

                                Bank Of America

                                2% cash back on Cruises

                                Why this card

                                  No annual fee

                                  VISA
                                  1.7¢
                                  per dollar on cruises
                                  No annual fee($8 in credits)
                                  Annual rewards$102
                                  + Credits$8
                                  Net annual value$110
                                  No image
                                  20

                                  SoFi Credit Card

                                  Sofi

                                  2% cash back on Cruises

                                  Why this card

                                    No annual fee

                                    MASTERCARD
                                    1.7¢
                                    per dollar on cruises
                                    No annual fee
                                    Annual rewards$102
                                    Net annual value$102
                                    No image
                                    21

                                    Jasper Cash Back Mastercard

                                    Webbank

                                    2% cash back on Cruises

                                    Why this card

                                      No annual fee

                                      MASTERCARD
                                      1.7¢
                                      per dollar on cruises
                                      No annual fee
                                      Annual rewards$102
                                      Net annual value$102
                                      Citi Double Cash Card
                                      22

                                      Citi Double Cash Card

                                      Citi

                                      2% cash back on Cruises

                                      Why this card

                                        No annual fee

                                        MASTERCARD
                                        1.7¢
                                        per dollar on cruises
                                        No annual fee
                                        Annual rewards$102
                                        Net annual value$102
                                        Bilt Obsidian Card
                                        23

                                        Bilt Obsidian Card

                                        Cardless

                                        1x Bilt Rewards on Cruises
                                        1x × 2.0¢/pt = 1.7¢ per dollar
                                        MASTERCARD
                                        1.7¢
                                        per dollar on cruises
                                        $95/yr
                                        Annual rewards$102
                                        \u2212 Annual fee$95
                                        Net annual value$7
                                        Chase Sapphire Preferred Card
                                        24

                                        Chase Sapphire Preferred Card

                                        Chase

                                        1x Ultimate Rewards on Cruises
                                        1x × 1.8¢/pt = 1.5¢ per dollar

                                        Why this card

                                          $93 in credits offset the $95 fee

                                          VISA
                                          1.5¢
                                          per dollar on cruises
                                          $95/yr($93 in credits)
                                          Annual rewards$91.80
                                          + Credits$93
                                          \u2212 Annual fee$95
                                          Net annual value$89.80
                                          Rakuten American Express Card
                                          25

                                          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

                                          AMEX
                                          Convertible
                                          1.0–2.0¢
                                          per dollar on cruises
                                          depending on redemption
                                          No annual fee
                                          Annual rewards$79.90
                                          Net annual value$79.90
                                          No image
                                          26

                                          Bilt Palladium Card

                                          Cardless

                                          1x Bilt Rewards on Cruises
                                          1x × 2.0¢/pt = 1.7¢ per dollar

                                          Why this card

                                            $300 in credits offset the $495 fee

                                            MASTERCARD
                                            1.7¢
                                            per dollar on cruises
                                            $495/yr($300 in credits)
                                            Annual rewards$102
                                            + Credits$300
                                            \u2212 Annual fee$495
                                            Net annual value-$93
                                            Capital One Quicksilver Student Cash Rewards Credit Card
                                            27

                                            Capital One Quicksilver Student Cash Rewards Credit Card

                                            Capital One

                                            1.5% cash back on Cruises

                                            Why this card

                                              No annual fee

                                              MASTERCARD
                                              1.3¢
                                              per dollar on cruises
                                              No annual fee($119.88 in credits)
                                              Annual rewards$76.50
                                              + Credits$119.88
                                              Net annual value$196.38
                                              Discover it® Miles
                                              28

                                              Discover it® Miles

                                              Discover

                                              1.5x Cashback on Cruises
                                              1.5x × 1.0¢/pt = 1.3¢ per dollar

                                              Why this card

                                                No annual fee

                                                DISCOVER
                                                1.3¢
                                                per dollar on cruises
                                                No annual fee
                                                Annual rewards$76.50
                                                Net annual value$76.50
                                                Hilton Honors American Express Card
                                                29

                                                Hilton Honors American Express Card

                                                Amex

                                                3x Hilton Honors on Cruises
                                                3x × 0.5¢/pt = 1.3¢ per dollar

                                                Why this card

                                                  No annual fee

                                                  AMEX
                                                  1.3¢
                                                  per dollar on cruises
                                                  No annual fee
                                                  Annual rewards$76.50
                                                  Net annual value$76.50
                                                  Citi Strata Credit Card
                                                  30

                                                  Citi Strata Credit Card

                                                  Citi

                                                  1x ThankYou Points on Cruises
                                                  1x × 1.5¢/pt = 1.3¢ per dollar

                                                  Why this card

                                                    No annual fee

                                                    MASTERCARD
                                                    1.3¢
                                                    per dollar on cruises
                                                    No annual fee($162.50 in credits)
                                                    Annual rewards$76.50
                                                    + Credits$162.50
                                                    Net annual value$239

                                                    Results from

                                                    $6,000

                                                    Scoring mode

                                                    Options

                                                    Point valuation

                                                    Booking

                                                    Rewards

                                                    Programs

                                                    Networks

                                                    Refine results

                                                    No annual fee only?

                                                    Avoid Amex network?

                                                    Already have a premium card?

                                                    Resolved as:Cruises
                                                    Merchant: RCI
                                                    Cached
                                                    85%
                                                    Cruise purchases sometimes code as travel, not a separate category. Check if your card's travel bonus applies to cruise lines.
                                                    Not right? Try:
                                                    44 matches1641ms
                                                    RCI® Elite Rewards® Mastercard®
                                                    1

                                                    RCI® Elite Rewards® Mastercard®

                                                    Barclays

                                                    5x points on Cruises

                                                    Why this card

                                                    1. 1.5x on Cruises ($300/yr on $6,000 spend)

                                                    No annual fee

                                                    MASTERCARD
                                                    Core Rate
                                                    5.0¢
                                                    per dollar on cruises
                                                    No annual fee
                                                    Annual rewards$300
                                                    Net annual value$300
                                                    No image
                                                    2

                                                    Capital One Venture X Rewards Credit Card

                                                    Capital One

                                                    2x Venture Miles on Cruises
                                                    2x × 1.9¢/pt = 3.1¢ per dollar

                                                    Why this card

                                                      $315 in credits offset the $395 fee

                                                      VISA
                                                      3.1¢
                                                      per dollar on cruises
                                                      $395/yr($315 in credits)
                                                      Annual rewards$188.70
                                                      + Credits$315
                                                      \u2212 Annual fee$395
                                                      Net annual value$108.70
                                                      No image
                                                      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

                                                      MASTERCARD
                                                      Core Rate
                                                      3.0¢
                                                      per dollar on cruises
                                                      $150/yr($132.50 in credits)
                                                      Annual rewards$180
                                                      + Credits$132.50
                                                      \u2212 Annual fee$150
                                                      Net annual value$162.50

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

                                                      No image
                                                      4

                                                      The Platinum Card from American Express

                                                      Amex

                                                      1x Membership Rewards on Cruises
                                                      1x × 1.8¢/pt = 1.5¢ per dollar

                                                      Why this card

                                                        $1,422 in credits fully offsets the $895 fee

                                                        AMEX
                                                        1.5¢
                                                        per dollar on cruises
                                                        $895/yr($1,422 in credits)
                                                        Annual rewards$91.80
                                                        + Credits$1,422
                                                        \u2212 Annual fee$895
                                                        Net annual value$618.80
                                                        Citi Strata Elite℠ Card
                                                        5

                                                        Citi Strata Elite℠ Card

                                                        Citi

                                                        1.5x ThankYou Points on Cruises
                                                        1.5x × 1.5¢/pt = 1.9¢ per dollar

                                                        Why this card

                                                          $762.50 in credits fully offsets the $595 fee

                                                          MASTERCARD
                                                          1.9¢
                                                          per dollar on cruises
                                                          $595/yr($762.50 in credits)
                                                          Annual rewards$114.75
                                                          + Credits$762.50
                                                          \u2212 Annual fee$595
                                                          Net annual value$282.25
                                                          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 = 2.0¢ per dollar

                                                          Why this card

                                                            No annual fee

                                                            MASTERCARD
                                                            2.0¢
                                                            per dollar on cruises
                                                            No annual fee
                                                            Annual rewards$117.94
                                                            Net annual value$117.94
                                                            Bank of America® Unlimited Cash Rewards for Students
                                                            7

                                                            Bank of America® Unlimited Cash Rewards for Students

                                                            Bank Of America

                                                            2% cash back on Cruises

                                                            Why this card

                                                              No annual fee

                                                              VISA
                                                              1.7¢
                                                              per dollar on cruises
                                                              No annual fee($8 in credits)
                                                              Annual rewards$102
                                                              + Credits$8
                                                              Net annual value$110
                                                              Chase Sapphire Reserve
                                                              8

                                                              Chase Sapphire Reserve

                                                              Chase

                                                              1x Ultimate Rewards on Cruises
                                                              1x × 1.8¢/pt = 1.5¢ per dollar

                                                              Why this card

                                                                $968 in credits fully offsets the $795 fee

                                                                VISA
                                                                1.5¢
                                                                per dollar on cruises
                                                                $795/yr($968 in credits)
                                                                Annual rewards$91.80
                                                                + Credits$968
                                                                \u2212 Annual fee$795
                                                                Net annual value$264.80
                                                                Wells Fargo Active Cash Card
                                                                9

                                                                Wells Fargo Active Cash Card

                                                                Wells Fargo

                                                                2% cash back on Cruises

                                                                Why this card

                                                                  No annual fee

                                                                  VISA
                                                                  1.7¢
                                                                  per dollar on cruises
                                                                  No annual fee($8 in credits)
                                                                  Annual rewards$102
                                                                  + Credits$8
                                                                  Net annual value$110
                                                                  U.S. Bank Smartly Visa Signature Card
                                                                  10

                                                                  U.S. Bank Smartly Visa Signature Card

                                                                  Usbank

                                                                  2% cash back on Cruises

                                                                  Why this card

                                                                    No annual fee

                                                                    VISA
                                                                    1.7¢
                                                                    per dollar on cruises
                                                                    No annual fee($8 in credits)
                                                                    Annual rewards$102
                                                                    + Credits$8
                                                                    Net annual value$110
                                                                    No image
                                                                    11

                                                                    TD Double Up Credit Card

                                                                    Td Bank

                                                                    2% cash back on Cruises

                                                                    Why this card

                                                                      No annual fee

                                                                      VISA
                                                                      1.7¢
                                                                      per dollar on cruises
                                                                      No annual fee($8 in credits)
                                                                      Annual rewards$102
                                                                      + Credits$8
                                                                      Net annual value$110
                                                                      Navy Federal Flagship Rewards® Card
                                                                      12

                                                                      Navy Federal Flagship Rewards® Card

                                                                      Navy Federal

                                                                      2x Navy Federal Nrewards on Cruises
                                                                      2x × 1.0¢/pt = 1.7¢ per dollar

                                                                      Why this card

                                                                        No annual fee

                                                                        VISA
                                                                        1.7¢
                                                                        per dollar on cruises
                                                                        No annual fee($8 in credits)
                                                                        Annual rewards$102
                                                                        + Credits$8
                                                                        Net annual value$110
                                                                        Fidelity Rewards Visa Signature Card
                                                                        13

                                                                        Fidelity Rewards Visa Signature Card

                                                                        Elan Financial

                                                                        2% cash back on Cruises

                                                                        Why this card

                                                                          No annual fee

                                                                          VISA
                                                                          1.7¢
                                                                          per dollar on cruises
                                                                          No annual fee($8 in credits)
                                                                          Annual rewards$102
                                                                          + Credits$8
                                                                          Net annual value$110
                                                                          No image
                                                                          14

                                                                          Verizon Visa Card

                                                                          Synchrony

                                                                          2% cash back on Cruises

                                                                          Why this card

                                                                            No annual fee

                                                                            VISA
                                                                            1.7¢
                                                                            per dollar on cruises
                                                                            No annual fee($8 in credits)
                                                                            Annual rewards$102
                                                                            + Credits$8
                                                                            Net annual value$110
                                                                            Bilt Blue Card
                                                                            15

                                                                            Bilt Blue Card

                                                                            Cardless

                                                                            1x Bilt Rewards on Cruises
                                                                            1x × 2.0¢/pt = 1.7¢ per dollar

                                                                            Why this card

                                                                              No annual fee

                                                                              MASTERCARD
                                                                              1.7¢
                                                                              per dollar on cruises
                                                                              No annual fee
                                                                              Annual rewards$102
                                                                              Net annual value$102
                                                                              Synchrony Premier Mastercard
                                                                              16

                                                                              Synchrony Premier Mastercard

                                                                              Synchrony

                                                                              2% cash back on Cruises

                                                                              Why this card

                                                                                No annual fee

                                                                                MASTERCARD
                                                                                1.7¢
                                                                                per dollar on cruises
                                                                                No annual fee
                                                                                Annual rewards$102
                                                                                Net annual value$102
                                                                                No image
                                                                                17

                                                                                One Key+ Card

                                                                                Wells Fargo

                                                                                2% cash back on Cruises

                                                                                Why this card

                                                                                  No annual fee

                                                                                  MASTERCARD
                                                                                  1.7¢
                                                                                  per dollar on cruises
                                                                                  No annual fee
                                                                                  Annual rewards$102
                                                                                  Net annual value$102
                                                                                  Capital Vacations® World Mastercard®
                                                                                  18

                                                                                  Capital Vacations® World Mastercard®

                                                                                  Barclays

                                                                                  2x points on Cruises

                                                                                  Why this card

                                                                                  1. 1.2x on Cruises ($120/yr on $6,000 spend)

                                                                                  No annual fee

                                                                                  MASTERCARD
                                                                                  Core Rate
                                                                                  2.0¢
                                                                                  per dollar on cruises
                                                                                  No annual fee
                                                                                  Annual rewards$120
                                                                                  Net annual value$120
                                                                                  Bank of America Unlimited Cash Rewards Credit Card
                                                                                  19

                                                                                  Bank of America Unlimited Cash Rewards Credit Card

                                                                                  Bank Of America

                                                                                  2% cash back on Cruises

                                                                                  Why this card

                                                                                    No annual fee

                                                                                    VISA
                                                                                    1.7¢
                                                                                    per dollar on cruises
                                                                                    No annual fee($8 in credits)
                                                                                    Annual rewards$102
                                                                                    + Credits$8
                                                                                    Net annual value$110
                                                                                    No image
                                                                                    20

                                                                                    SoFi Credit Card

                                                                                    Sofi

                                                                                    2% cash back on Cruises

                                                                                    Why this card

                                                                                      No annual fee

                                                                                      MASTERCARD
                                                                                      1.7¢
                                                                                      per dollar on cruises
                                                                                      No annual fee
                                                                                      Annual rewards$102
                                                                                      Net annual value$102
                                                                                      No image
                                                                                      21

                                                                                      Jasper Cash Back Mastercard

                                                                                      Webbank

                                                                                      2% cash back on Cruises

                                                                                      Why this card

                                                                                        No annual fee

                                                                                        MASTERCARD
                                                                                        1.7¢
                                                                                        per dollar on cruises
                                                                                        No annual fee
                                                                                        Annual rewards$102
                                                                                        Net annual value$102
                                                                                        Citi Double Cash Card
                                                                                        22

                                                                                        Citi Double Cash Card

                                                                                        Citi

                                                                                        2% cash back on Cruises

                                                                                        Why this card

                                                                                          No annual fee

                                                                                          MASTERCARD
                                                                                          1.7¢
                                                                                          per dollar on cruises
                                                                                          No annual fee
                                                                                          Annual rewards$102
                                                                                          Net annual value$102
                                                                                          Bilt Obsidian Card
                                                                                          23

                                                                                          Bilt Obsidian Card

                                                                                          Cardless

                                                                                          1x Bilt Rewards on Cruises
                                                                                          1x × 2.0¢/pt = 1.7¢ per dollar
                                                                                          MASTERCARD
                                                                                          1.7¢
                                                                                          per dollar on cruises
                                                                                          $95/yr
                                                                                          Annual rewards$102
                                                                                          \u2212 Annual fee$95
                                                                                          Net annual value$7
                                                                                          Chase Sapphire Preferred Card
                                                                                          24

                                                                                          Chase Sapphire Preferred Card

                                                                                          Chase

                                                                                          1x Ultimate Rewards on Cruises
                                                                                          1x × 1.8¢/pt = 1.5¢ per dollar

                                                                                          Why this card

                                                                                            $93 in credits offset the $95 fee

                                                                                            VISA
                                                                                            1.5¢
                                                                                            per dollar on cruises
                                                                                            $95/yr($93 in credits)
                                                                                            Annual rewards$91.80
                                                                                            + Credits$93
                                                                                            \u2212 Annual fee$95
                                                                                            Net annual value$89.80
                                                                                            Rakuten American Express Card
                                                                                            25

                                                                                            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

                                                                                            AMEX
                                                                                            Convertible
                                                                                            1.0–2.0¢
                                                                                            per dollar on cruises
                                                                                            depending on redemption
                                                                                            No annual fee
                                                                                            Annual rewards$79.90
                                                                                            Net annual value$79.90
                                                                                            No image
                                                                                            26

                                                                                            Bilt Palladium Card

                                                                                            Cardless

                                                                                            1x Bilt Rewards on Cruises
                                                                                            1x × 2.0¢/pt = 1.7¢ per dollar

                                                                                            Why this card

                                                                                              $300 in credits offset the $495 fee

                                                                                              MASTERCARD
                                                                                              1.7¢
                                                                                              per dollar on cruises
                                                                                              $495/yr($300 in credits)
                                                                                              Annual rewards$102
                                                                                              + Credits$300
                                                                                              \u2212 Annual fee$495
                                                                                              Net annual value-$93
                                                                                              Capital One Quicksilver Student Cash Rewards Credit Card
                                                                                              27

                                                                                              Capital One Quicksilver Student Cash Rewards Credit Card

                                                                                              Capital One

                                                                                              1.5% cash back on Cruises

                                                                                              Why this card

                                                                                                No annual fee

                                                                                                MASTERCARD
                                                                                                1.3¢
                                                                                                per dollar on cruises
                                                                                                No annual fee($119.88 in credits)
                                                                                                Annual rewards$76.50
                                                                                                + Credits$119.88
                                                                                                Net annual value$196.38
                                                                                                Discover it® Miles
                                                                                                28

                                                                                                Discover it® Miles

                                                                                                Discover

                                                                                                1.5x Cashback on Cruises
                                                                                                1.5x × 1.0¢/pt = 1.3¢ per dollar

                                                                                                Why this card

                                                                                                  No annual fee

                                                                                                  DISCOVER
                                                                                                  1.3¢
                                                                                                  per dollar on cruises
                                                                                                  No annual fee
                                                                                                  Annual rewards$76.50
                                                                                                  Net annual value$76.50
                                                                                                  Hilton Honors American Express Card
                                                                                                  29

                                                                                                  Hilton Honors American Express Card

                                                                                                  Amex

                                                                                                  3x Hilton Honors on Cruises
                                                                                                  3x × 0.5¢/pt = 1.3¢ per dollar

                                                                                                  Why this card

                                                                                                    No annual fee

                                                                                                    AMEX
                                                                                                    1.3¢
                                                                                                    per dollar on cruises
                                                                                                    No annual fee
                                                                                                    Annual rewards$76.50
                                                                                                    Net annual value$76.50
                                                                                                    Citi Strata Credit Card
                                                                                                    30

                                                                                                    Citi Strata Credit Card

                                                                                                    Citi

                                                                                                    1x ThankYou Points on Cruises
                                                                                                    1x × 1.5¢/pt = 1.3¢ per dollar

                                                                                                    Why this card

                                                                                                      No annual fee

                                                                                                      MASTERCARD
                                                                                                      1.3¢
                                                                                                      per dollar on cruises
                                                                                                      No annual fee($162.50 in credits)
                                                                                                      Annual rewards$76.50
                                                                                                      + Credits$162.50
                                                                                                      Net annual value$239

                                                                                                      Results from

                                                                                                      $6,000

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                                                                                                      Resolved as:Cruises
                                                                                                      Merchant: RCI
                                                                                                      Cached
                                                                                                      85%
                                                                                                      Cruise purchases sometimes code as travel, not a separate category. Check if your card's travel bonus applies to cruise lines.
                                                                                                      Not right? Try:
                                                                                                      44 matches1641ms
                                                                                                      RCI® Elite Rewards® Mastercard®
                                                                                                      1

                                                                                                      RCI® Elite Rewards® Mastercard®

                                                                                                      Barclays

                                                                                                      5x points on Cruises

                                                                                                      Why this card

                                                                                                      1. 1.5x on Cruises ($300/yr on $6,000 spend)

                                                                                                      No annual fee

                                                                                                      MASTERCARD
                                                                                                      Core Rate
                                                                                                      5.0¢
                                                                                                      per dollar on cruises
                                                                                                      No annual fee
                                                                                                      Annual rewards$300
                                                                                                      Net annual value$300
                                                                                                      No image
                                                                                                      2

                                                                                                      Capital One Venture X Rewards Credit Card

                                                                                                      Capital One

                                                                                                      2x Venture Miles on Cruises
                                                                                                      2x × 1.9¢/pt = 3.1¢ per dollar

                                                                                                      Why this card

                                                                                                        $315 in credits offset the $395 fee

                                                                                                        VISA
                                                                                                        3.1¢
                                                                                                        per dollar on cruises
                                                                                                        $395/yr($315 in credits)
                                                                                                        Annual rewards$188.70
                                                                                                        + Credits$315
                                                                                                        \u2212 Annual fee$395
                                                                                                        Net annual value$108.70
                                                                                                        No image
                                                                                                        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

                                                                                                        MASTERCARD
                                                                                                        Core Rate
                                                                                                        3.0¢
                                                                                                        per dollar on cruises
                                                                                                        $150/yr($132.50 in credits)
                                                                                                        Annual rewards$180
                                                                                                        + Credits$132.50
                                                                                                        \u2212 Annual fee$150
                                                                                                        Net annual value$162.50

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

                                                                                                        No image
                                                                                                        4

                                                                                                        The Platinum Card from American Express

                                                                                                        Amex

                                                                                                        1x Membership Rewards on Cruises
                                                                                                        1x × 1.8¢/pt = 1.5¢ per dollar

                                                                                                        Why this card

                                                                                                          $1,422 in credits fully offsets the $895 fee

                                                                                                          AMEX
                                                                                                          1.5¢
                                                                                                          per dollar on cruises
                                                                                                          $895/yr($1,422 in credits)
                                                                                                          Annual rewards$91.80
                                                                                                          + Credits$1,422
                                                                                                          \u2212 Annual fee$895
                                                                                                          Net annual value$618.80
                                                                                                          Citi Strata Elite℠ Card
                                                                                                          5

                                                                                                          Citi Strata Elite℠ Card

                                                                                                          Citi

                                                                                                          1.5x ThankYou Points on Cruises
                                                                                                          1.5x × 1.5¢/pt = 1.9¢ per dollar

                                                                                                          Why this card

                                                                                                            $762.50 in credits fully offsets the $595 fee

                                                                                                            MASTERCARD
                                                                                                            1.9¢
                                                                                                            per dollar on cruises
                                                                                                            $595/yr($762.50 in credits)
                                                                                                            Annual rewards$114.75
                                                                                                            + Credits$762.50
                                                                                                            \u2212 Annual fee$595
                                                                                                            Net annual value$282.25
                                                                                                            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 = 2.0¢ per dollar

                                                                                                            Why this card

                                                                                                              No annual fee

                                                                                                              MASTERCARD
                                                                                                              2.0¢
                                                                                                              per dollar on cruises
                                                                                                              No annual fee
                                                                                                              Annual rewards$117.94
                                                                                                              Net annual value$117.94
                                                                                                              Bank of America® Unlimited Cash Rewards for Students
                                                                                                              7

                                                                                                              Bank of America® Unlimited Cash Rewards for Students

                                                                                                              Bank Of America

                                                                                                              2% cash back on Cruises

                                                                                                              Why this card

                                                                                                                No annual fee

                                                                                                                VISA
                                                                                                                1.7¢
                                                                                                                per dollar on cruises
                                                                                                                No annual fee($8 in credits)
                                                                                                                Annual rewards$102
                                                                                                                + Credits$8
                                                                                                                Net annual value$110
                                                                                                                Chase Sapphire Reserve
                                                                                                                8

                                                                                                                Chase Sapphire Reserve

                                                                                                                Chase

                                                                                                                1x Ultimate Rewards on Cruises
                                                                                                                1x × 1.8¢/pt = 1.5¢ per dollar

                                                                                                                Why this card

                                                                                                                  $968 in credits fully offsets the $795 fee

                                                                                                                  VISA
                                                                                                                  1.5¢
                                                                                                                  per dollar on cruises
                                                                                                                  $795/yr($968 in credits)
                                                                                                                  Annual rewards$91.80
                                                                                                                  + Credits$968
                                                                                                                  \u2212 Annual fee$795
                                                                                                                  Net annual value$264.80
                                                                                                                  Wells Fargo Active Cash Card
                                                                                                                  9

                                                                                                                  Wells Fargo Active Cash Card

                                                                                                                  Wells Fargo

                                                                                                                  2% cash back on Cruises

                                                                                                                  Why this card

                                                                                                                    No annual fee

                                                                                                                    VISA
                                                                                                                    1.7¢
                                                                                                                    per dollar on cruises
                                                                                                                    No annual fee($8 in credits)
                                                                                                                    Annual rewards$102
                                                                                                                    + Credits$8
                                                                                                                    Net annual value$110
                                                                                                                    U.S. Bank Smartly Visa Signature Card
                                                                                                                    10

                                                                                                                    U.S. Bank Smartly Visa Signature Card

                                                                                                                    Usbank

                                                                                                                    2% cash back on Cruises

                                                                                                                    Why this card

                                                                                                                      No annual fee

                                                                                                                      VISA
                                                                                                                      1.7¢
                                                                                                                      per dollar on cruises
                                                                                                                      No annual fee($8 in credits)
                                                                                                                      Annual rewards$102
                                                                                                                      + Credits$8
                                                                                                                      Net annual value$110
                                                                                                                      No image
                                                                                                                      11

                                                                                                                      TD Double Up Credit Card

                                                                                                                      Td Bank

                                                                                                                      2% cash back on Cruises

                                                                                                                      Why this card

                                                                                                                        No annual fee

                                                                                                                        VISA
                                                                                                                        1.7¢
                                                                                                                        per dollar on cruises
                                                                                                                        No annual fee($8 in credits)
                                                                                                                        Annual rewards$102
                                                                                                                        + Credits$8
                                                                                                                        Net annual value$110
                                                                                                                        Navy Federal Flagship Rewards® Card
                                                                                                                        12

                                                                                                                        Navy Federal Flagship Rewards® Card

                                                                                                                        Navy Federal

                                                                                                                        2x Navy Federal Nrewards on Cruises
                                                                                                                        2x × 1.0¢/pt = 1.7¢ per dollar

                                                                                                                        Why this card

                                                                                                                          No annual fee

                                                                                                                          VISA
                                                                                                                          1.7¢
                                                                                                                          per dollar on cruises
                                                                                                                          No annual fee($8 in credits)
                                                                                                                          Annual rewards$102
                                                                                                                          + Credits$8
                                                                                                                          Net annual value$110
                                                                                                                          Fidelity Rewards Visa Signature Card
                                                                                                                          13

                                                                                                                          Fidelity Rewards Visa Signature Card

                                                                                                                          Elan Financial

                                                                                                                          2% cash back on Cruises

                                                                                                                          Why this card

                                                                                                                            No annual fee

                                                                                                                            VISA
                                                                                                                            1.7¢
                                                                                                                            per dollar on cruises
                                                                                                                            No annual fee($8 in credits)
                                                                                                                            Annual rewards$102
                                                                                                                            + Credits$8
                                                                                                                            Net annual value$110
                                                                                                                            No image
                                                                                                                            14

                                                                                                                            Verizon Visa Card

                                                                                                                            Synchrony

                                                                                                                            2% cash back on Cruises

                                                                                                                            Why this card

                                                                                                                              No annual fee

                                                                                                                              VISA
                                                                                                                              1.7¢
                                                                                                                              per dollar on cruises
                                                                                                                              No annual fee($8 in credits)
                                                                                                                              Annual rewards$102
                                                                                                                              + Credits$8
                                                                                                                              Net annual value$110
                                                                                                                              Bilt Blue Card
                                                                                                                              15

                                                                                                                              Bilt Blue Card

                                                                                                                              Cardless

                                                                                                                              1x Bilt Rewards on Cruises
                                                                                                                              1x × 2.0¢/pt = 1.7¢ per dollar

                                                                                                                              Why this card

                                                                                                                                No annual fee

                                                                                                                                MASTERCARD
                                                                                                                                1.7¢
                                                                                                                                per dollar on cruises
                                                                                                                                No annual fee
                                                                                                                                Annual rewards$102
                                                                                                                                Net annual value$102
                                                                                                                                Synchrony Premier Mastercard
                                                                                                                                16

                                                                                                                                Synchrony Premier Mastercard

                                                                                                                                Synchrony

                                                                                                                                2% cash back on Cruises

                                                                                                                                Why this card

                                                                                                                                  No annual fee

                                                                                                                                  MASTERCARD
                                                                                                                                  1.7¢
                                                                                                                                  per dollar on cruises
                                                                                                                                  No annual fee
                                                                                                                                  Annual rewards$102
                                                                                                                                  Net annual value$102
                                                                                                                                  No image
                                                                                                                                  17

                                                                                                                                  One Key+ Card

                                                                                                                                  Wells Fargo

                                                                                                                                  2% cash back on Cruises

                                                                                                                                  Why this card

                                                                                                                                    No annual fee

                                                                                                                                    MASTERCARD
                                                                                                                                    1.7¢
                                                                                                                                    per dollar on cruises
                                                                                                                                    No annual fee
                                                                                                                                    Annual rewards$102
                                                                                                                                    Net annual value$102
                                                                                                                                    Capital Vacations® World Mastercard®
                                                                                                                                    18

                                                                                                                                    Capital Vacations® World Mastercard®

                                                                                                                                    Barclays

                                                                                                                                    2x points on Cruises

                                                                                                                                    Why this card

                                                                                                                                    1. 1.2x on Cruises ($120/yr on $6,000 spend)

                                                                                                                                    No annual fee

                                                                                                                                    MASTERCARD
                                                                                                                                    Core Rate
                                                                                                                                    2.0¢
                                                                                                                                    per dollar on cruises
                                                                                                                                    No annual fee
                                                                                                                                    Annual rewards$120
                                                                                                                                    Net annual value$120
                                                                                                                                    Bank of America Unlimited Cash Rewards Credit Card
                                                                                                                                    19

                                                                                                                                    Bank of America Unlimited Cash Rewards Credit Card

                                                                                                                                    Bank Of America

                                                                                                                                    2% cash back on Cruises

                                                                                                                                    Why this card

                                                                                                                                      No annual fee

                                                                                                                                      VISA
                                                                                                                                      1.7¢
                                                                                                                                      per dollar on cruises
                                                                                                                                      No annual fee($8 in credits)
                                                                                                                                      Annual rewards$102
                                                                                                                                      + Credits$8
                                                                                                                                      Net annual value$110
                                                                                                                                      No image
                                                                                                                                      20

                                                                                                                                      SoFi Credit Card

                                                                                                                                      Sofi

                                                                                                                                      2% cash back on Cruises

                                                                                                                                      Why this card

                                                                                                                                        No annual fee

                                                                                                                                        MASTERCARD
                                                                                                                                        1.7¢
                                                                                                                                        per dollar on cruises
                                                                                                                                        No annual fee
                                                                                                                                        Annual rewards$102
                                                                                                                                        Net annual value$102
                                                                                                                                        No image
                                                                                                                                        21

                                                                                                                                        Jasper Cash Back Mastercard

                                                                                                                                        Webbank

                                                                                                                                        2% cash back on Cruises

                                                                                                                                        Why this card

                                                                                                                                          No annual fee

                                                                                                                                          MASTERCARD
                                                                                                                                          1.7¢
                                                                                                                                          per dollar on cruises
                                                                                                                                          No annual fee
                                                                                                                                          Annual rewards$102
                                                                                                                                          Net annual value$102
                                                                                                                                          Citi Double Cash Card
                                                                                                                                          22

                                                                                                                                          Citi Double Cash Card

                                                                                                                                          Citi

                                                                                                                                          2% cash back on Cruises

                                                                                                                                          Why this card

                                                                                                                                            No annual fee

                                                                                                                                            MASTERCARD
                                                                                                                                            1.7¢
                                                                                                                                            per dollar on cruises
                                                                                                                                            No annual fee
                                                                                                                                            Annual rewards$102
                                                                                                                                            Net annual value$102
                                                                                                                                            Bilt Obsidian Card
                                                                                                                                            23

                                                                                                                                            Bilt Obsidian Card

                                                                                                                                            Cardless

                                                                                                                                            1x Bilt Rewards on Cruises
                                                                                                                                            1x × 2.0¢/pt = 1.7¢ per dollar
                                                                                                                                            MASTERCARD
                                                                                                                                            1.7¢
                                                                                                                                            per dollar on cruises
                                                                                                                                            $95/yr
                                                                                                                                            Annual rewards$102
                                                                                                                                            \u2212 Annual fee$95
                                                                                                                                            Net annual value$7
                                                                                                                                            Chase Sapphire Preferred Card
                                                                                                                                            24

                                                                                                                                            Chase Sapphire Preferred Card

                                                                                                                                            Chase

                                                                                                                                            1x Ultimate Rewards on Cruises
                                                                                                                                            1x × 1.8¢/pt = 1.5¢ per dollar

                                                                                                                                            Why this card

                                                                                                                                              $93 in credits offset the $95 fee

                                                                                                                                              VISA
                                                                                                                                              1.5¢
                                                                                                                                              per dollar on cruises
                                                                                                                                              $95/yr($93 in credits)
                                                                                                                                              Annual rewards$91.80
                                                                                                                                              + Credits$93
                                                                                                                                              \u2212 Annual fee$95
                                                                                                                                              Net annual value$89.80
                                                                                                                                              Rakuten American Express Card
                                                                                                                                              25

                                                                                                                                              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

                                                                                                                                              AMEX
                                                                                                                                              Convertible
                                                                                                                                              1.0–2.0¢
                                                                                                                                              per dollar on cruises
                                                                                                                                              depending on redemption
                                                                                                                                              No annual fee
                                                                                                                                              Annual rewards$79.90
                                                                                                                                              Net annual value$79.90
                                                                                                                                              No image
                                                                                                                                              26

                                                                                                                                              Bilt Palladium Card

                                                                                                                                              Cardless

                                                                                                                                              1x Bilt Rewards on Cruises
                                                                                                                                              1x × 2.0¢/pt = 1.7¢ per dollar

                                                                                                                                              Why this card

                                                                                                                                                $300 in credits offset the $495 fee

                                                                                                                                                MASTERCARD
                                                                                                                                                1.7¢
                                                                                                                                                per dollar on cruises
                                                                                                                                                $495/yr($300 in credits)
                                                                                                                                                Annual rewards$102
                                                                                                                                                + Credits$300
                                                                                                                                                \u2212 Annual fee$495
                                                                                                                                                Net annual value-$93
                                                                                                                                                Capital One Quicksilver Student Cash Rewards Credit Card
                                                                                                                                                27

                                                                                                                                                Capital One Quicksilver Student Cash Rewards Credit Card

                                                                                                                                                Capital One

                                                                                                                                                1.5% cash back on Cruises

                                                                                                                                                Why this card

                                                                                                                                                  No annual fee

                                                                                                                                                  MASTERCARD
                                                                                                                                                  1.3¢
                                                                                                                                                  per dollar on cruises
                                                                                                                                                  No annual fee($119.88 in credits)
                                                                                                                                                  Annual rewards$76.50
                                                                                                                                                  + Credits$119.88
                                                                                                                                                  Net annual value$196.38
                                                                                                                                                  Discover it® Miles
                                                                                                                                                  28

                                                                                                                                                  Discover it® Miles

                                                                                                                                                  Discover

                                                                                                                                                  1.5x Cashback on Cruises
                                                                                                                                                  1.5x × 1.0¢/pt = 1.3¢ per dollar

                                                                                                                                                  Why this card

                                                                                                                                                    No annual fee

                                                                                                                                                    DISCOVER
                                                                                                                                                    1.3¢
                                                                                                                                                    per dollar on cruises
                                                                                                                                                    No annual fee
                                                                                                                                                    Annual rewards$76.50
                                                                                                                                                    Net annual value$76.50
                                                                                                                                                    Hilton Honors American Express Card
                                                                                                                                                    29

                                                                                                                                                    Hilton Honors American Express Card

                                                                                                                                                    Amex

                                                                                                                                                    3x Hilton Honors on Cruises
                                                                                                                                                    3x × 0.5¢/pt = 1.3¢ per dollar

                                                                                                                                                    Why this card

                                                                                                                                                      No annual fee

                                                                                                                                                      AMEX
                                                                                                                                                      1.3¢
                                                                                                                                                      per dollar on cruises
                                                                                                                                                      No annual fee
                                                                                                                                                      Annual rewards$76.50
                                                                                                                                                      Net annual value$76.50
                                                                                                                                                      Citi Strata Credit Card
                                                                                                                                                      30

                                                                                                                                                      Citi Strata Credit Card

                                                                                                                                                      Citi

                                                                                                                                                      1x ThankYou Points on Cruises
                                                                                                                                                      1x × 1.5¢/pt = 1.3¢ per dollar

                                                                                                                                                      Why this card

                                                                                                                                                        No annual fee

                                                                                                                                                        MASTERCARD
                                                                                                                                                        1.3¢
                                                                                                                                                        per dollar on cruises
                                                                                                                                                        No annual fee($162.50 in credits)
                                                                                                                                                        Annual rewards$76.50
                                                                                                                                                        + Credits$162.50
                                                                                                                                                        Net annual value$239