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Best Credit Cards for Cruises

Few credit cards actually list cruises as a specific bonus category, however there are a handful that bonus for general travel, including cruises. 

You can see our top picks for credit cards to buy cruises with below.

 

Advertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Commissions do not affect or prioritize placement within our results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

 

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6 Cards Available:

Credit card
Estimated Bonus Value :

$1,200

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Annual Fee: $95

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Estimated Bonus Value :

$1,200

Offer: 75,000 bonus Miles when you spend $4,000 within your first 3 months

The Capital One Venture card is one of the most flexible in the industry, particularly if you are a frequent traveler. It earns double miles on every purchase with no bonus categories to remember. You can redeem these points for previous travel purchases (worth a penny a point) or transfer them to travel partners.

You can use your miles to get reimbursed for any travel purchase on your card or redeem your miles by booking a trip through Capital One Travel at a value of one cent per point for an effective 2% cash back on all purchases - or you can transfer them to a range of airlines and hotel partners.

1) The bonus value for the early spend bonus on this card assumes you will transfer the points to miles. If you use it to rebate charges for travel, the early spend bonus value will be 1 cent per point, exactly.

You can transfer to several airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.

Offer: 75,000 bonus Miles when you spend $4,000 within your first 3 months
Credit card
Estimated Bonus Value :

$1,200

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Annual Fee: $395

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Estimated Bonus Value :

$1,200

Offer: Earn 75,000 bonus miles once you spend $4,000 on purchases within your first 3 months

Capital One Venture X Credit Card Earn Rate

  • 10X Capital One Miles on hotels and car rentals when booked via Capital One Travel
  • 10 Miles per dollar when you book on Turo, a sharing marketplace, through May 16, 2023.
  • 5X Capital One Miles on airfare booked via Capital One Travel - which utilizes Hopper.
  • 2X Capital One Miles on everything else

Capital One Venture X Credit Card Benefits

Capital One launched this card with a laundry list of benefits which are very impressive. You'll quickly see that the annual fee is wiped out and then some by the benefits.

  • Up to a $300 credit annually for bookings made on Capital One Travel
  • 10,000 bonus miles every account anniversary (equal to $100 towards travel)
  • Unlimited access to Capital One Lounges and also to 1,300+ Priority Pass lounges internationally + two guest passes (Notably, I verified with Capital One that this is “full” Priority Pass access, meaning that it includes airport restaurant locations.
  • Up to $100 in statement credits for either TSA PreCheck or Global Entry
  • Complimentary Hertz President’s Circle status (top tier!) for primary cardholders, authorized users and account managers. The status is valid until Dec 31, 2024.
  • Primary Car Rental Collision/Damage Coverage
  • Authorized Users can be added for no fee and they also get their own Priority Pass membership.
  • Cardholders can earn up to 100,000 miles per year for referring friends, who can then experience the unparalleled benefits Venture X has to offer (up to 4 referrals per year; 25,000 miles awarded per referral)
  • No foreign transaction fees

You can transfer to several airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.

If you used our Credit Cards Optimization Tool to find this card, please remember that the 10X and 5X bonus rates only apply to travel booked through the Capital One Travel Portal.

Offer: Earn 75,000 bonus miles once you spend $4,000 on purchases within your first 3 months
Credit card

US Bank Altitude® Connect Review

Annual Fee: $0 Introductory Annual Fee for the first year, then $95

Estimated Bonus Value :

$500

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Annual Fee: $95

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Estimated Bonus Value :

$500

Offer: Get $500 (in the form of 50,000 points) when you spend $2,000 in your first 120 days

The Altitude Connect joins the Altitude Reserve and Altitude GO in the US Bank Altitude series. This card is ideal for someone that spends a lot at gas stations and travel, but does not want "complicated" transferable bank points, this card would offer excellent value due to the 4% cash back in these categories. The streaming credit isn't much, but it will get you back $30 of the $95 annual fee if you keep the card.

Card Features:

  • 4X points (which equates to 4% cash back) on travel (including air, hotel, and cruises) and at gas stations
  • 2X points at grocery stores and on grocery delivery
  • 2X points for dining (at a restaurant or via delivery)
  • 2X points on streaming services
  • 1X point per dollar on all other eligible purchases
  • Earn a $30 annual streaming credit: When you put eligible streaming services on your card for 11 straight billing cycles, the 12th month will see a credit of up to $30.
  • Cell Phone Protection: You can get reimbursed for up to $600 if your cell phone is stolen or damaged (but lost phones are not covered) as long as you pay your monthly cell phone bill with your card. $100 deductible applies and you will be covered for a maximum of one claim per year. Protection is secondary to homeowners/renters insurance.
  • TSA PreCheck or Global Entry Credit: You'll get up to $100 in statement credits to reimburse your application fee up to once every four years.
  • No Foreign Transaction Fees.

US Bank Altitude Connect Credit Card Review

The Altitude Connect joins the Altitude Reserve and Altitude GO in the US Bank Altitude series. This card is ideal for someone that spends a lot at gas stations and travel, but does not want "complicated" transferable bank points, this card would offer excellent value due to the 4% cash back in these categories. The streaming credit isn't much, but it will get you back $30 of the $95 annual fee if you keep the card.

This card is for people with a strong credit profile. You should have a 720 or better FICO to apply for this card.

Offer: Get $500 (in the form of 50,000 points) when you spend $2,000 in your first 120 days

Don’t Miss Out On Limited time Offers

Credit card companies regularly offer limited time increased signup bonus offers on their credit cards. They also sometimes change card benefits or otherwise change up their card lineups.
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