7 Smart Credit Cards for Cruisers

Most of the cruise credit cards on this list offers the most rewards when you use your credit card to book cruises. The reward structure for many of the cruise credit cards is the same. The list of best credit cards for cruisers include

Carnival World MasterCard is the Best Overall | Smart Credit Cards for Cruisers

Carnival Cruise Lines has more ships than any other cruise line. With the Carnival World MasterCard, you’ll earn 10,000 Funpoints after your first purchase, with no minimum spending requirements. Points are worth up to $100 toward your next cruise purchase. Rewards can be redeemed for a statement credit for cruise discounts made within the past 180 days.

The Minimum Credit Required is Good

No Annual Fee

The Intro APR is 0% for the first 15 billing cycles on balances transferred in the first 45 days; 0% for 6 billing cycles on Qualifying Cruise Booking Purchases

Ongoing APR is set at 16.24% to 26.24% variable

Balance Transfer Fee is $5 or 3%

Cash Advance Fee is  $10 or 5%

Welcome Offers is 10,000 bonus points after your first purchase

Smart Credit Cards for Cruisers

Princess Cruises Rewards Visa Card is the Best Value | Smart Credit Cards for Cruisers

With the Princess Cruises Rewards Visa Card, cardholders will earn 10,000 bonus points after using the card for the first time, the bonus is worth up to $100 toward your next cruise purchase.

The Minimum Credit Required is  Good

No Annual Fee

The Intro APR is  0% for the first 15 billing cycles on balances transferred in the first 45 days; 0% for 6 billing cycles on Qualifying Cruise Booking Purchases

Ongoing APR is set at 16.24% to 26.24%

Balance Transfer Fee is  $5 or 3%

Cash Advance Fee is  $10 or 5%

Welcome Offers is 10,000 bonus points after your first purchase

Disney Premier Visa Card has the Best for Families | Smart Credit Cards for Cruisers

Cardholders will earn a $200 statement credit after spending $500 on purchases in the first three months from opening account. Current cardholders will earn 2% in Disney Rewards on gas stations, grocery stores, restaurants, and most Disney locations. Cardholders can Select their card design from a selection of favorite Disney characters.

The Minimum Credit Required is Good

The Intro APR is 0% for the first 6 months on select Disney vacation packages

Ongoing APR is set at 18.24% variable

Balance Transfer Fee is  $5 or 3%

Cash Advance Fee is  $10 or 5%

Foreign Purchase Transaction Fee is  3%

Welcome Offers is  $200 statement credit after you spend $500 in the first three months

Holland America Line Rewards Visa Card is the Best cards for Adults

This card allows customers to choose from options like cooking demonstrations, Pilates, and digital photography classes. Cardholders will earn 2  points for every dollar spent on Holland America purchases. All other purchases earn 1 point for every dollar spent with a bonus 5,000 points after you make your first purchase.

The Minimum Credit Required is  Good

No Annual Fee

The Intro APR is  0% for the first 15 billing cycles on balances transferred in the first 45 days

Ongoing APR is 16.24% to 26.24%

Balance Transfer Fee is  $5 or 3%

Cash Advance Fee is  $10 or 5%

Welcome Offer is  5,000 bonus points after your first purchase

Celebrity Cruises Visa Signature Card is the Best cards for Luxury Cruises

Celebrity Cruises Visa Signature Card offers cardholders 10,000 bonus points after making a qualifying transaction within the first 90 days of opening your account. Redeem the bonus for a $100 onboard credit. Additional points of 5,000 can be earned after spending $1,000 within the first three months. Those points can be redeemed for a $50 credit on the ship.

The Minimum Credit Required is Good

Annual Fee is  $69

Ongoing APR is  17.24% to 25.24% variable

Balance Transfer Fee is  $10 or 3%

Cash Advance Fee is  $10 or 3%

Welcome Offer is 10,000 bonus points after making a transaction in the first 90 days

Royal Caribbean Visa Signature Card has the Best card for Worldwide Destinations

New  Royal Caribbean Visa Signature cardholder will earn 10,000 bonus points after making a qualifying transaction in the first 90 days of opening the account. bonus points are worth $100 in onboard credit. You can also earn an additional 5,000 points if you spend $1,000 in purchases, a value of $50 in onboard credit.

The Minimum Credit Required is  Good

Ongoing APR is  17.24% to 25.24% variable

Balance Transfer Fee is  $10 or 3%

Cash Advance Fee is $10 or 3%

Welcome Offer is 10,000 bonus points after making a qualifying transaction in the first 90 days

Capital One VentureOne is the Most Flexible

The Capital One VentureOne offers unlimited 1.5 miles per dollar on all purchases made with the card. Miles can be redeemed as a statement credit towards travel purchases made with the credit card.  A new cardholder can earn 20,000 bonus miles when they spend $1,000 on purchases in the first three months of opening their account. The 12-month 0% introductory rate allows cardholders to book a cruise then pay it off interest-free.

The Minimum Credit Required is Excellent

Intro APR is  0% on purchases for the first 12 months

Ongoing APR is 14.24% to 24.24% variable

Balance Transfer Fee is  3% of the transfer amount during the promotional period

Cash Advance Fee is $10 or 3%

The signup bonus is 20,000 bonus points after spending $1,000 on purchases in the first three months