The outlier, the Disney Premier Visa card, awards two points per dollar for charges at gas stations, grocery stores and restaurants, in addition to Disney services and merchandise. Earning rewards points with a cruise credit card is a rather straightforward process. Points earned on both the Royal Caribbean and Celebrity versions of the card can be redeemed for purchases on either cruise line. There's a maximum earning of 540,000 points per calendar year, and points expire after five years. What is more, with this credit card you won't be able to earn rewards on other cruises' purchases. Reward dollars, as the name implies, are worth $1 a piece and can be redeemed for goods and services at that rate, which amounts to a 1 to 2 percent rebate, depending on how they're earned. No foreign transaction fee. Cruise cards may also deliver secondary benefits, such as concierge services or no foreign transaction fees. Name: Disney Visa Card and Disney Premier Visa Card. The card details on this page have not been reviewed or provided by the card issuer. Pre-qualified offers are not binding. Redeeming points: Redeem points at 1 cent apiece toward onboard credit, cruises, gift cards or merchandise from Holland America. If you do choose a cruise line card, keep in mind that these things sometimes happen with less popular/lucrative credit programs. The information for the Celebrity Cruises Visa card has been collected independently by The Points Guy. There are no maximum earnings, but points expire after five years. Earning points: Cardholders earn two Princess Points for every dollar spent with Princess Cruises and 1 Princess Point for other charges. Fine print: The card does not carry an annual fee. The Cruise Privileges Program works with a dozen major cruise lines, like Royal Caribbean, Holland America and Crystal. Fine print: The Rewards card has no annual fee, and the Premier card carries an annual fee of $49. Some may chime in saying, "I got $150 OBC on my last cruise because of _______ line card!" Credit card: Carnival World MasterCard, issued by Barclays Bank. There are many rewarding credit card options to book your next cruise, but they may not be what you think. Receive 50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening. That's a $500 value redeemable towards travel, gift cards, cash back, merchandise and more. The key change will be that prices at the cruise line's steakhouses will . 1X points for each dollar you spend on eligible purchases. Public application link: Disney Premier Visa Card. It's simple math to see the value prop on the cruise line branded cards just isn't very good. Like the Carnival- and Princess-branded credit cards, the Holland America Line Rewards Visa Card features a tiered redemption program, meaning the value of your points depends on what you choose to redeem them for and the amount of your purchase. Just flown back from NYC after a westbound crossing on QM2. If this is not the case, you're better off with a standard travel rewards credit card which will earn you a . But cruise line credit cards aren't much help in getting free cruises. Cruise-related perks for cardmembers: Get 10% back as a statement credit when you book a Carnival shore excursion on Carnival.com prior to your cruise and pay with your Carnival credit card. offers travel accident insurance and offers up to $100 in credit toward the application fee credit for. 4.1k. The Norwegian Cruise Line World Mastercard also offers a $200 signup bonus and triple points on NCL purchases. That's why you won't find any on our list. For most cruise lines, full payment must be received about 75 to 90 days before the cruise sets sail. Redeeming points: Points are redeemed at 1 cent apiece in value toward Carnival bookings and onboard purchases, with a minimum redemption of 5,000 points. If you have questions, please consult your own professional legal, tax and financial advisors. Plus, the card earns 5X on prepaid hotels and car rentals booked through the Altitude Rewards Center, 2X on dining, streaming services and grocery store purchases, and comes with a $30 annual credit on streaming services. It earns a standout rate of 4X points per $1 spent on travel (including gas), and it will insure your cell phone while youre cruising (and when you arent). Getting rewards: Points may be redeemed for cruises, stateroom upgrades, cruise discounts, onboard credits and onboard experiences, car rentals, hotel stays, merchandise and gift certificates. General travel credit cards offer bonuses that are worth much more than this sometimes providing more than $1,000 in value. Holland America Pre-authorization hold: $60 per person, per day MSC Cruises Pre-authorization hold: US $250 Norwegian Pre-authorization hold: 7 day cruise: $300 per person; less than 7 days:. Once you have earned enough 'points', you can make any choice to . also comes with cell phone protection, so your phone is protected on the high seas and on dry land. MORE:Full review of the U.S. Bank Altitude Connect Visa Signature Card. The Carnival World Mastercard actually applies to a huge range of cruise lines that are owned by the Carnival name. Fine print: The card does not carry an annual fee. Cruise line-specific cards might seem like an obvious choice, but they aren't always the best. The Points Guy Exclusive Offer: Earn 150,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership. The Sapphire Preferred is also the more flexible card because its points can be redeemed in a variety of ways. Bonus: Receive 50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening.. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Bank of America has one of the broadest definitions of "travel" of any credit card issuer. Get 5X Membership Rewards points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Pros: You get 10,000 bonus points after your . Cruise-related perks for cardmembers: None. In 2018 prior to the pandemic 28.5 million people stepped aboard cruise ships large and small to visit ports and rivers all over the world. Earning points: Cardholders earn two points for every dollar spent with Holland America and one point for other charges. can be a great card to book your trip with and carry while you cruise. The U.S. Bank Altitude Connect Visa Signature Card also comes with cell phone protection, so your phone is protected on the high seas and on dry land. And its points are worth 25% more when redeemed for travel. Especially, when you consider most TAs and other travel companies will also throw out similar OBC when you book such an expensive room. Casinos At Sea will not run a hard credit inquiry on applicants, and only base credit decisions on player banking and gaming history as provided by third party agencies. For many travelers, a general-purpose travel credit card can offer more flexible ways to earn and redeem points. Other cardmember perks: 10% off at select Disney dining venues and on Disney merchandise purchases of $50 or more, plus access to limited-time perks and special offers from Disney. The Carnival World card earns 2x points on cruises on multiple cruise lines, giving you more flexibility. When evaluating offers, please review the financial institutions Terms and Conditions. That's a $500 value redeemable towards travel, gift cards, cash back, merchandise and more. Public application link: Royal Caribbean Visa Signature card. Checks should be made out to Carnival Cruise Line - for mailing information, click here. A few cruise options will display there, but youll have to call Chase's Cruises and Tours department to book. The information for the Norwegian Mastercard has been collected independently by The Points Guy. Booking flights can be tricky, especially during busy seasons like the holidays. There are many cruise line-specific credit cards that can be appealing to brand loyalists. Due to the big difference in value, you'll want to be extra careful when redeeming your fun points. Terms apply. All of these redemption options give you the ability to lock in a fixed value of one cent per mile. These might include typical credit card characteristics, like the annual percentage rate (APR) if you carry a balance. Thus, it will require significant spending on your credit card to earn enough points for a free cruise this way. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. And even if you dont see a great cruise option in a search, you may be able to book cruises that aren't listed when you call Chase. MORE:Full review of the Bank of America Premium Rewards credit card. Annual fee: $69 (there is also a no-fee version with fewer benefits but the same welcome offer). Furthermore, you can find the "Troubleshooting Login Issues" section which can answer your unresolved . Fortunately, there are better options, namely, through bank travel portals or through travel purchase reimbursement. Just use them to book travel directly in the Chase portal for a solid value of 1.25 cents each for hotels, airfare, rental cars, cruises and experiences. Public application link: Norwegian Cruise Line World Mastercard. After youve found the best option for you, book it on any website using your Capital One Venture Rewards Credit Card. You may be better off going with something like the Chase Sapphire Reserve because of the redemption capabilities and trip protections. If you pick a very expensive, long cruise it can save a lot of money. Most major cruise lines offer branded or co-branded credit cards. Royal Caribbean Visa Signature Credit Card:This is a run-of-the-mill co-branded card that earns 2X points per dollar on qualifying cruise purchases and 1X points on all other purchases. Card: Bank of America's WorldPoints MasterCard Offer: 10,000 bonus points ($100 onboard credit) if you make a transaction in the first 60 days. "There's also, if you can believe it, a shortage of planes across some airlines," said . They tend to offer subpar welcome offers and ongoing rewards, confusing redemption options, and, of course, the biggest drawback is that they lock you into using your credit card rewards solely on a cruise. For the average person, getting an AMEX Platinum with a $550 AF and then thousands for a suite on NCL to get $300 isn't the best deal. Apply. Heres what we thought Amex Platinum Equinox credit switching to annual: Easier to use, Boosted Southwest credit card offers: Earn 75,000 Rapid Rewards points. Today, there are cruises to fit just about every type of traveler and interest. Here is a list of our partners. program, meaning you can earn a 25% to 75% boost in the rewards rate if you have an eligible account with appropriate funds. Theft is one of every traveler's greatest fears. Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel. Rewards: Points can be redeemed for perks like stateroom updates, last-minute cruises, onboard credit, and non-cruise travel such as . There are no maximum earnings, but points expire after five years. This card is eligible for Bank of Americas Preferred Rewards program, meaning you can earn a 25% to 75% boost in the rewards rate if you have an eligible account with appropriate funds. On the flip side, the Sapphire Preferred has an annual fee of $95. The Norwegian Cruise Line World Mastercard earns rewards in a currency called WorldPoints. and allow you to use those points in a variety of ways, but also because they provide perks such as trip cancellation insurance, trip delay reimbursement and other valuable trip protections. Your credit score will overall rise because of your increased total available credit. Our partners cannot pay us to guarantee favorable reviews of their products or services. Read consumer reviews on the card as well. Some offer exclusive perks and discounts that you wont find anywhere else, and most don't charge annual fees. Related: How to book a cruise using points and miles. If you book a cruise with the Chase Sapphire Preferred Card, youll enjoy travel protections if the trip is canceled, interrupted or delayed. Sign up and well send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money. By Samuel Greengard | American ExpressCredit IntelFreelance Contributor, 5 Min Read | September 15, 2022 inTravel, How to Choose the Best Cruise Line Credit Card, When a General Travel Card Makes More Sense than a Cruise Credit Card. Email casinocredit@ncl.com or call 1 (877) 625-2094 for more details. Use the card to book your cruise and youll earn a hefty 4X points on the bill. Plus, cardmembers have access to concierge services and pay no foreign transaction fees. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. Editor's Note: We have a few friends who have lost all of their reward points on cruise line credit cards when the bank/cruise line affiliation was discontinued and the type of card they had ceased to exist. OVERALL RATING . Celebrity Cruises Visa Signature Credit Card: Like its sister card (the Royal Caribbean Visa Signature Credit Card, noted above), the Celebrity card offers a small bonus and earns 2X points per dollar on qualifying cruise purchases and 1X points on everything else. Cardholders can also earn a $300 discount on qualifying purchases for future cruises after spending $5,000 in purchases within the first 60 days from account opening. The information for the Disney Premier card has been collected independently by The Points Guy. Here are five credit card mishaps that could ruin your cruise and tips to help you avoid them. (Or transfer points directly to many large travel partners like Marriott, United, Hyatt and Southwest.). Now that you've seen the sign-up bonuses, earning rates, redemption options and extra perks for the cruise line cards, let's take a look at how they stack up against general travel rewards cards. You can redeem points not only for cruise-related charges, but for airline tickets, cash back and more. Additionally, the Sapphire Preferred has far more perks built into what it offers card members than Royal Caribbean's minimal Visa Signature benefits. Bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Public application link: Carnival World Mastercard. But cruise credit cards have some limitations, which could mean that a more general travel credit card might be better suited to your needs. Let's look at an example of how a cruise line cobranded card stacks up against a general travel credit card. THE ROYAL CARIBBEAN VISA SIGNATURE CARD 25,000 bonus points after spending $1,000 or more on purchases within 90 days of opening your account Earn 2 points for every $1 spent on qualifying Royal Caribbean and Celebrity purchases. Hey I am thinking about getting a cruise credit card (Carnival World MasterCard is my top option) but Im still hesitating. Offers a low promotional APR on purchases and on balance transfers, and gives a 10% statement credit when you book a Carnival shore excursion prior to your trip. (Balance transfers each incur a small fee.) By proceeding, you agree to Cruise Critics, 5 Things You Didn't Know About Booking a Costco Cruise, Celebrity Cruises Captain's Club Cruise Loyalty Program. There are also river cruises and lines that cater to families and children. Points earned from the, are easy to redeem. If you're in search of a credit card for cruises that comes with VIP benefits, you should consider the Capital One Venture X . For example, if your cruise is $2000, booking one year in advance will . This site does not include all credit card companies or all available credit card offers. Cruise Layaway. You'll receive a signup bonus of 10,000 points after the first transaction. The material made available for you on this website, Credit Intel, is for informational purposes only and is not intended to provide legal, tax or financial advice. Earn 1.5X points (thats an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. That card allows holders to redeem points at a higher value of 1.5 cents each for travel through U.S. If you're a frequent cruiser on any of these six lines, you might be tempted to apply for a card. Earning points: Cardholders earn two WorldPoints for every dollar spent with Norwegian Cruise Line and one WorldPoint for other charges. Here's how: The cards offered by these six lines are more alike than they are different. Disney Cruise Line Redeem Rewards Dollars toward Disney Cruise Line packages, onboard activities and souvenirs. Earning structure: Earn 2 MyCruise points per dollar spent on qualifying Royal Caribbean purchases and 1 point per dollar on everything else. While the Royal Caribbean card has no annual fee, it earns 2 points per dollar only on Royal Caribbean spending and 1 point per dollar on everything else. United Airlines just unveiled its new grab-and-go lounge. There are major cruise lines that circle the world and boutique cruises with smaller ships and highly specialized itineraries. A cruise credit card earns points based on dollars spent that can be redeemed as credits to cover card purchases. After the introductory period, the standard APR of 17.24, 23.24 % or 27.24% will apply.
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