Cruises merchants: where each card earns
Browse 4 merchants and sub-categories, then see which cards earn the most at each brand.
4 merchantsBy CardRewards.ai EditorialData as of November 13, 2026
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Cruises groups 4 merchants — including the brands most readers ask about. Browse sub-categories and brands first; BMO Escape is the current top pick at 3.0¢ per dollar, with a $150 annual fee.
Top 5 cards for Cruises
- 1BMO EscapeBMO3x points on Cruises · $150 annual fee
- 2Bilt Palladium CardCardless2x Bilt Rewards on everything · $495 annual fee
- 3Capital One Venture Rewards Credit CardCapital One2x Capital One Miles on everything · $95 annual fee
- 4Fidelity Rewards Visa Signature CardElan Financial2% cash back on everything · no annual fee
- 5Citi Double Cash CardCiti2% cash back on everything · no annual fee
Top brands across Cruises
Other categories like Cruises
Frequently asked
- What credit card has the highest cash back on cruises?
- BMO Escape ranks #1 in our scoring for cruises at 3.0¢ per dollar — $150 annual fee. The ranking factors in earn rate, welcome offer value, and redemption flexibility, net of the fee.
- Are there no-annual-fee cards good for cruises?
- Yes — Fidelity Rewards Visa Signature Card earns 2.0¢ per dollar on cruises with no annual fee. It's the highest-ranking no-fee card in our scoring for this category.
- How are these cards ranked?
- Effective value per dollar — earn rate × points value (cents per point), plus amortized welcome offer value and credit offsets, net of the annual fee. Numbers reflect typical redemptions, not best-case outliers.
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