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Update: Some offers mentioned below are no longer available. View the current offers here – Citi ThankYou Premier Card

Here at TPG we spend most of our time discussing the ins and outs of credit card rewards, frequent flyer miles and hotel redemptions. But one common question we get from readers is about another highly relevant travel topic: how to maximize earning and redemptions on cruises.

The truth is, the options are pretty limited. Most cruise line co-branded credit cards don’t offer anything approaching a decent value, leaving travelers to get creative with the flexible points currencies already in their arsenal. Today we’ll take a look at the best ways to earn and redeem points for cruises.

Earning Points on Cruises

As mentioned above, co-branded cruise line credit cards are generally not a good option. The Royal Caribbean Visa Signature Card, for example, offers a sign-up bonus equivalent to — wait for it — $100 in onboard credit after making your first purchase. We can do better than that!

Your best bet for earning points on cruise purchases is a card with a broadly defined travel bonus category, or a fixed-value “eraser” card (but more on that later).

Here are the cards with the best travel bonus categories for cruises.

Card Bonus % Return (based on TPG’s latest valuations)
Chase Sapphire Reserve 3x Ultimate Rewards points on travel (and dining) 6.3%
Citi ThankYou Premier Card 3x ThankYou Points on travel including gas stations 5.1%
Chase Sapphire Preferred 2x Ultimate Rewards Points on travel (and dining) 4.2%
Capital One Venture Rewards Credit Card** 2x Venture Rewards Points 2%

**Fixed-value rewards cards offer a unique redemption advantage even if their earning isn’t as strong — keep reading to see why.

Separate from the question of which card to use is the question of which website or portal to book your cruises through. American Airlines, Delta and United each offer their own cruise-booking websites (operated by third-party travel agencies) that give you the potential to earn tens of thousands of bonus miles.

If you go to cruises.mileageplus.com, you can see the current offers, which range from 2-7 miles per dollar depending on what type of room you book and whether or not you pay with a United card like the United Explorer Card.

American’s site, aa.cruises.com, has similar offers, allowing you to earn 1 AAdvantage mile per dollar spent or 2 if you pay with an American Airlines AAdvantage credit card.

Delta’s offers, which can be found at skymilescruises.com, are structured slightly differently. As you can see from the chart below, you’ll earn based on the length of the trip (and room type), not based on the amount you spend.

Readers in the TPG lounge correctly pointed out that you won’t earn 2x miles for booking these cruises with a co-branded airline credit card. Instead, your entire bonus from the cruise booking will likely appear as a lump sum on your frequent flyer account, not on your credit card statement.

In addition, each airline cruise portal also offers individual promotions for specific cruise lines and departure dates that can potentially let you earn up to 100,000 miles, or several hundred dollars in onboard credit. These promotions can give you a huge return on your booking in addition to the credit card points you’ll earn, but always make sure you price-compare and check TPG’s monthly valuations to make sure the offer you’re booking — in terms of money and miles — is the best one you can get.

Redeeming Points for Cruises

Options are just as limited on the redemption side, and can be split into two categories: fixed-value eraser credit cards, and paying with points.

Points from a fixed-value card, like the Capital One Venture Rewards Card can be used to “erase” travel purchases at a rate of 1 cent each. Not only will you earn 2x rewards (2%) by paying for the cruise, but you can use your miles to erase some or all of the charge from your billing statement.

The other option involves paying with points through a portal such as Amex Travel or the Chase Ultimate Rewards portal. While we generally recommend transferring these points to airline and hotel partners to maximize their value, given the limited high-value options for booking cruises, direct redemptions can make sense here.

You’ll also be able to take advantage of pay-with-points bonuses here, such as the 50% bonus on the Chase Sapphire Reserve that makes your points worth 1.5 cents each, or the similar 25% bonus on the Chase Sapphire Preferred Card and Ink Business Preferred Credit Card that gives you 1.25 cents per point.

Bottom Line

Flexibility is the key to maximizing the value of your points, but unfortunately there isn’t much wiggle room when booking cruises. You should strongly consider whether this is the best use of your hard-earned points or whether you should pay with cash instead. And if you do pay with cash, make sure to take advantage of bonus categories and bonus offers to potentially earn tens of thousands of miles for your purchase.

The Platinum Card® from American Express

The American Express Platinum card has some of the best perks out there: cardholders enjoy the best domestic lounge access (Delta SkyClubs, Centurion Lounges, and Priority Pass), a $200 annual airline fee credit as well as up to $200 in Uber credits, and mid-tier elite status at SPG, Marriott, and Hilton. Combined with the 60,000 point welcome offer -- worth $1,140 based on TPG's valuations -- this card is a no-brainer for frequent travelers. Here are 5 reasons you should consider this card, as well as how you can figure out if the $550 annual fee makes sense for you.

Apply Now
More Things to Know
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
Intro APR on Purchases
N/A
Regular APR
N/A
Annual Fee
$550
Balance Transfer Fee
See Terms
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.