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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
In addition to cruising, Ashley is obsessed with reading, lawn gnomes, pizza, cats, CrossFit, SEO and proper grammar.
July 31, 2024 • 9 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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Quick summary
Cruises can be booked through unconventional channels such as wholesale clubs, auto clubs, deal websites and travel loyalty program portals.
Wholesale and auto clubs may offer exclusive perks, price guarantees and rewards for members booking cruises.
Deal sites and apps sometimes feature deeply discounted cruise vouchers, though these often come with restrictions and require upfront travel dates.
Booking cruises through airline or hotel loyalty program portals can earn additional points or miles and sometimes provide extra onboard benefits.
What to consider
Membership is often required to access club-based cruise deals and associated perks.
Some third-party booking channels may limit eligibility for cruise line upgrade programs or have fewer support options if issues arise.
Discounted cruise vouchers from deal sites can be restrictive, requiring set travel dates and may have limited flexibility.
What you'll miss from the article
A detailed comparison of each booking method's perks, limitations and how to maximize value when choosing where to book your next cruise.
Generated by AI with support from our editorial team.
Update: Some offers mentioned below are no longer available. View the current offers here.
Bulk toilet paper, discount brand-name clothing and ... a cruise? You might not have your next sailing top of mind while running errands. However, you should know that the places where you stock up on groceries, redeem credit card points and get help with a flat tire might also be able to sell you a cruise.
As you mull options for making a vacation purchase — travel agent, online travel agency, cruise line, direct booking — it’s also a smart idea to consider these lesser-known cruise sellers.
Here, I’ll discuss some cruise booking options you might not have thought of, including ones where membership could score you a discount or added bonus.
Wholesale clubs
TOBY SCOTT/SOPA IMAGES/LIGHTROCKET/GETTY IMAGES
Wholesale clubs, where you pay for an annual membership in exchange for shopping in bulk or at a discount, are great places to take advantage of deals on cruises because they offer lowest-price guarantees, onboard perks and even cash back. Both BJ’s and Costco sell cruises as part of their respective BJ’s Travel and Costco Travel offerings.
Although both clubs sell cruises from most of the major lines — Carnival, Celebrity, Disney, Holland America, Norwegian, Princess and Royal Caribbean — BJ’s has a larger selection that includes MSC Cruises, as well as most luxury and river cruise brands. Prospective travelers will have access to whichever promotions partner lines are offering at the time.
With Costco, Executive Members get an annual 2% reward certificate on travel purchased through Costco Travel (certificate sent at the time of membership renewal). Members who book through the Costco portal and use a Costco Anywhere Visa® Card by Citi (see rates and fees) to pay will also get 3% cash back on eligible travel purchases.
BJ’s Travel offers a 110% guarantee that you’ll get the best price possible on your cruise booking (if you find a better deal within 48 hours of booking). BJ’s also offers other perks. At the time of publication, BJ’s was offering its members 5% back (up to $500 in the form of a BJ’s gift card) with the purchase of qualifying cruises. Plus, if you use a BJ’s One™ Mastercard® to pay for your reservation, you’ll get 3% cash back. The information for the BJ's One Mastercard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Additionally, both companies feature timely deals, such as deposit waivers, onboard credit, prepaid gratuities and other extras, according to what the cruise lines are promoting. The only catch, of course, is that you have to be an active member or cardholder in order to take advantage of the promotions and savings provided by these clubs. Costco bookings are not eligible for most cruise lines' upgrade bidding programs, so choose a cabin you know you'll like.
Although AAA and the Canadian Automobile Association are known mainly for their roadside assistance, they also offer travel planning services similar to those offered by a travel agent.
In addition to cruise planning help from a dedicated agent, you can bag discounts and extras available when you book. If you need a pre- or post-cruise hotel, flights or directions to the port, AAA and CAA can help with those, plus round-the-clock assistance if something goes wrong during your vacation.
If you’re looking to maximize the return on your cruise investment even further, book using the AAA Member Rewards Visa credit card from Bank of America. It offers 3 points per dollar spent on eligible travel and AAA purchases, which can be redeemed in a number of ways — including more travel.
General deal and discount websites
GROUPON
If you’re looking for deals in your area, you might turn to Groupon, a website and app that entices shoppers to try the products or services of partnering retailers at a discount. Customers can search for general or location-specific bargains and purchase time-sensitive vouchers for the products and services they’re interested in.
Occasionally, cruises are available.
In the past, I’ve seen Groupon deals for inexpensive sailings with MSC Cruises and Margaritaville at Sea. These types of offers come with various restrictions, and you have to know your travel dates upfront. But, if deep discounts are important to you, I’ve discovered fares from as low as $65 per person, per night.
Remember those cute Entertainment Books that came stuffed with tear-out coupons for local businesses — the ones every single school seemed to sell and which your parents would buy and then promptly forget about? The company stopped printing the books in 2022 and, instead, features all of its deals on an app (with a $34.99 per year or $4.99 monthly annual fee).
That’s key information to have, especially when I tell you that Entertainment has a travel arm, and it includes cruises. Entertainment Cruises sells voyages from most of the popular ocean, river and luxury lines, and it has a 110% guarantee that you won’t find a lower price or better deal elsewhere at the time of booking.
Travel loyalty program portals
MARRIOTT BONVOY'S CRUISE WITH POINTS
There are few things more satisfying than earning travel by simply traveling, but many cruise line loyalty programs aren't lucrative. That’s why it’s exciting that you can also earn points and miles by booking cruises via some of the hotel and airline loyalty programs in which you might already be enrolled.
Several airlines — including American Airlines, Delta Air Lines, Frontier Airlines, Spirit Airlines and United Airlines — have cruise booking sites that allow you to earn miles every time you purchase a sailing. Bonus points — literally — if you book through one of the portals using the corresponding airline-branded credit card, which will earn you additional miles for buying a voyage.
If you’re more of a hotel loyalist than a frequent flyer, you can also book cruises through hotels like Hilton via Hilton Grand Vacations or through Marriott’s Cruise With Points program to earn Hilton Honors or Marriott Bonvoy points, respectively. Bonvoy offers the most value of the two, giving cruisers 3 points per dollar spent, up to 30,000 points.
As with airlines, hotels will award even more points for cruise bookings made using cobranded credit cards, such as one of Marriott’s Bonvoy cards that will award you up to an additional 3 points per dollar for cruise bookings made through the portal.
Marriott’s program also allows Bonvoy members to cash in their points on a cruise. But if you’re looking for value beyond points, booking through these channels can help you snag up to 75% off cruise fares, onboard credit and other perks for many of the most well-known cruise lines.
You can also cross-earn across travel verticals. For example, if you’re a member of United's MileagePlus frequent flyer program, you can book your sailing through United Cruises while paying for it with, say, your Marriott Bonvoy card, thereby earning both United miles and Marriott points.
Credit card portals
AMERICAN EXPRESS' CRUISE PRIVILEGES PROGRAM
If you're an American Express or Chase cardholder, you can use your card's respective travel portal or dedicated agents to book a sailing, potentially earning some extra points and perks in the process. As an example, American Express Travel offers a Cruise Privileges Program that grants passengers up to $300 in onboard credit per cabin, as well as bonus points on cruise bookings made through Amex.
Although cruisers can’t book sailings directly via the Chase Ultimate Rewards portal, they can call an agent to handle the reservation over the phone. You can pay with points if you have enough saved or use a credit card that will earn you points toward future redemptions. Chase’s cruise program doesn’t offer as many extras for cruisers as Amex’s does, but Chase Sapphire Reserve® cardholders do get up to $300 in annual statement credits when they book travel, including cruises.
One major drawback of these portals is that they only partner with select cruise lines, often excluding at least one or two major brands and some niche options like river cruises.
How it works
In many cases, these providers will sell cruises to consumers either through the cruise lines directly (Groupon) or via a travel agency, such as World Travel Holdings, which oversees bookings made with BJ’s, Entertainment and the airlines mentioned above.
Bottom line
If you want to earn points or miles, score perks and extras, and save some money on your cruise fare, these less-conventional booking methods are a great place to look. Just be sure to do some comparison shopping to ensure you’re getting the best deal and know which credit cards to use to maximize your spending.
Keep in mind that if you book through one of these third parties, you should inquire ahead of time about whether assistance is available if something goes wrong. Some of the avenues mentioned — auto clubs, airline and hotel booking portals — will have someone available to help. However, with others (like Groupon), you’re likely to be on your own and will have to sort out any snags with the cruise line directly.
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
