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3 Best Cruise Credit Cards

Ahoy, matey. If you want to live like a pirate in the Caribbean, here are some of our favorite rewards cards to use for your next cruise. If you aren't loyal to one cruise line, we'd recommend checking out our rewards & travel credit cards page, as you'll see a better value in your points on everyday spending there. Yar.

Looking for something else? Jump below the fold for some additional options. If you disagree with our assessment, we'd love to hear from you. Shoot us an e-mail. Change our mind and be handsomely rewarded with some TPJ swag that will leave you asking "why is all the rum gone?".

Carnival™ World MasterCard®


  • $0 Annual Fee
  • 2 FunPoints® per $1 spent on all Carnival™ Cruise Lines purchases including onboard purchases charged to Sail & Sign®
  • 1 FunPoint® per $1 spent everywhere else
  • Redeem FunPoints® for cruises on Carnival™ and the other World Leading Cruise Lines
  • Terms Apply

Royal Caribbean Visa Signature® Credit Card


  • $0 Annual Fee
  • Earn 2 points per $1 spent on qualifying purchases with Royal Caribbean and sister brands like Celebrity and Azamara Cruises
  • Earn 1 point per $1 spent on all other purchases 
  • Redeem points on all three cruise lines!
  • Terms Apply

Disney® Premier Visa® card


  • $49 Annual Fee
  • Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney locations. Earn 1% on all your other card purchases.
  • 10% off a Castaway Bay Getaway Package aboard Disney Cruise Line.
  • Cardmember-Exclusive photo opportunities with Disney or Star Wars™ Characters, held in private locations at Disneyland® and Walt Disney World® Resorts. You’ll get downloads of your photos too!
  • Terms Apply

Additional Cruise Credit Cards

Come sail away, come sail away, come sail away for (almost) free using rewards points from these additional cruise rewards credit cards. 

Norwegian Cruise Line® World Mastercard®


  • $0 Annual Fee
  • Earn 3 WorldPoints points for every $1 USD spent on Norwegian Cruise Line purchases, including cruise fares.
  • Earn 1 WorldPoints point for every $1 USD spent on all other purchases.
  • Redeem your points for: stateroom upgrades, travel discounts, exclusive redemption opportunities for last minute cruises, onboard credits, car rentals, hotel stays, cash and gift cards.
  • Terms Apply

Celebrity Cruises Visa Signature® credit card


  • $69 Annual Fee
  • 2 MyCruise points for every $1 spent on qualifying purchases with Celebrity Cruises and our sister brands, Royal Caribbean® and Azamara Club Cruises®.
  • 1 MyCruise point per $1 on all other purchases.
  • Terms Apply

Princess Cruises® Rewards Visa®


  • $0 Annual Fee
  • Earn 2 Points for every $1 spent on  all Princess purchases
  • Earn 1 Point for every $1 spent on all other purchases
  • Redeem points for cruise rewards, onboard credits, special on board amenities and discounted air fare
  • Terms Apply

Holland America Line Rewards Visa® Card


  • No Annual Fee
  • No Foreign Transaction Fees
  • Earn 5,000 Points after first purchase, enough to redeem for $50 onboard credit
  • Earn two 2 points per $1 spent on all Holland America purchases including onboard purchases
  • Earn one 1 point for every $1 spent on all other purchases
  • Terms Apply