5 secrets to getting a luxury cruise for less
Editor's Note
Luxury cruises range in price from expensive to outrageously expensive. But the value of high-end ships is clear: For the money, you get more fare inclusions, nicer accommodations, upscale dining and higher space-to-passenger and crew-to-passenger ratios than on big, mass-market ships.
Still, sometimes you want the luxe for less.
You’ll never find a cheap luxury cruise, but you can find sailings that are less expensive than others (either when sorting by the total cost or the per-night rate). You might have to compromise on sail dates or take a risk with the weather, but you can get great value by choosing the cruise less traveled.
Here are the five most affordable luxury cruises we could find so you can save a little bit when you sail in style.
Fall Caribbean cruises
Caribbean cruises might be the bread and butter of mass-market cruise lines, but they don’t have the same prominence among the itineraries of the luxury lines. Tropical cruises on luxury lines tend to be shorter sailings, taking place in the fall and winter (rather than year-round) and often targeting younger professionals who might not have the time to take two-week vacations.
Combine those factors with a shoulder-season fall travel date (between mid-September and the week before Christmas), and you have yourself a more affordable luxury cruise.
For example, Regent Seven Seas Cruises' 2024-2025 Caribbean season runs from November through March. The least expensive sailing for the season takes place in early December in the travel lull between Thanksgiving and Christmas. Fares start at $4,299 per person for a weeklong round-trip cruise from Miami. A similar seven-night sailing costs $4,999 ($700 more) in February.
Related: How to snag cruise ship suites for less
Shoulder-season Alaska cruises
No matter which cruise line you sail, it’s a truth universally acknowledged that the first and last Alaska sailings of the season are the most affordable. Why? Timing and weather.
The Alaska cruise season begins in late April or May and runs through September and occasionally October. These travel dates are often nonstarters for families who wait for the summer school break to take their vacations. Even travelers not bound by school schedules sometimes shy away from these cruises because of the imperfect weather conditions.
In May, temperatures can still be chilly in Alaska, waterways in glacier areas can be clogged with ice, Alaska’s famous salmon haven’t started to run and bus service at Alaska’s famed Denali National Park hasn’t yet begun. In September and October, the temperatures start dropping — and the rain keeps falling — and attractions such as Denali begin to close.
All that said, if you’re willing to take a risk on the weather and aren’t planning a land tour up to Denali, you can score a deal on a high-end Alaska sailing during these off-peak times.
In 2025, a September Alaska cruise on Silversea starts at $4,500 per person on Silver Moon. The same cruise in July starts at $5,900, making the shoulder-season cruise $1,400 less expensive. Even better, May is less rainy than July, so you could experience sunnier days on the more affordable sailing.
Related: The best time to go on a cruise
Transatlantic crossings
Many travelers choose their cruise for the ports of call. Cruisers are drawn to the destinations, whether they’re checking exotic ports off their bucket list or love spending time on the beach. It’s no surprise, then, that longer-than-average itineraries with few to no port calls are not warmly embraced by many cruise fans (except for devoted sea-day lovers).
Because many cruise ships regularly reposition between Europe (where they spend the summer) and the Caribbean (where they spend the winter), transatlantic crossings are inevitable. To attract guests, the cruise lines add interesting onboard activities and guest lecturers to the voyage, and they lower prices. If you love relaxing sea days and would revel in spending day after day in the middle of the ocean, an ocean crossing is a surefire way to get a luxury cruise experience for less.
Small, all-inclusive line SeaDream is a solid example of how affordable transatlantic sailings can get. In 2025, SeaDream 1 will sail its last Mediterranean cruise of the season from Barcelona to Malaga, Spain, and cruise prices start at $6,799 for an eight-night cruise. The ship then sails from Malaga across the Atlantic to San Juan, Puerto Rico. That 13-night sailing is five nights longer than the preceding cruise, but its starting price is $3,799 — a $3,000 difference.
Entry-level cabins
As a traveler chasing luxury, you’re all about the upgrade. To get a great price on a high-end cruise ship, you might want to reconsider your aversion to booking the cheapest rooms.
Entry-level suites on the nicest ships are not the windowless closets you’ll find on some of the mass-market ships. They’re spacious cabins with either windows or private balconies and separate sleeping and sitting areas; many have nicely appointed, reasonably sized bathrooms and often walk-in or large closets. You’ll get the same personal service, have access to the same gourmet dining and can enjoy the same ship amenities (a spa, a serene pool deck, social lounges and more) as folks in the top suites.
Also, you’ll pay less. For example, an entry-level suite on luxury line Seabourn's Seabourn Encore is a veranda suite measuring 246 to 302 square feet with a 68- to 83-square-foot private balcony. On a seven-night Greece and Turkey cruise departing in June 2025, prices for these rooms start at $5,499 per person. Opt for the next suite level up — a 450-square-foot penthouse suite with a 93- to 103-square-foot balcony — and prices start at $9,299. That’s an increase of $3,800, all for a suite you won’t spend much time in on this port-intensive itinerary.
Related: The best luxury cruise lines for elegance and exclusivity
Suite enclaves on big ships
Several big-ship cruise lines have entered the luxury travel space with suite enclaves that come with extra amenities, and the options can be affordable by luxury standards. These cruises are ideal for families looking for upscale accommodations combined with robust children’s programming or luxury travelers who prefer a more casual vibe or a wealth of entertainment and activity options on board.
Options include Norwegian Cruise Line's The Haven, Royal Caribbean's Royal Suite Class and MSC Cruises' Yacht Club. Travelers who book these suites get VIP treatment compared to their shipmates. They have access to exclusive restaurants, lounges and sun decks; get priority boarding and theater seating; and might even receive more fare inclusions such as drink packages, internet access, gratuities and butler service (depending on the category booked).
Cruise fares in these top suites aren’t cheap, but they can be comparatively affordable in two ways. First, Royal Caribbean, MSC and Norwegian cruise ships typically sail shorter itineraries than true luxury lines, so you could book a short cruise to spend less on your total vacation cost. Second, while prices are comparable to the luxury lines and can skyrocket when ships start to sell out, you can sail in the ship’s top suites for what you’d pay for midlevel on a luxury ship.
For example, you can book an aft-facing penthouse with a large balcony (619 to 668 square feet with a 199- to 248-square-foot balcony) on a seven-night Caribbean cruise on Norwegian Encore for $4,426 per person (including fees) on a February 2026 sailing. It comes with all of NCL’s Free at Sea inclusions (drinks, dining, Wi-Fi and shore excursion credit), as well as the services of a butler and concierge, and access to The Haven’s private lounge, restaurant and sun deck.
A weeklong Regent Seven Seas cruise to the Caribbean in February costs $10,349 per person for a 655-square-foot Grandeur Suite (with a 166- to 263-square-foot balcony). The cheapest veranda suite on that sailing starts at $4,999 per person — still more expensive than a suite in Norwegian’s The Haven.
Related: The 7 best cruise ship suites — picked by someone who has seen them all
Bottom line
A luxury cruise will never be cheap, but you can find ways to spend less when you travel on high-end ships. Booking early and taking advantage of limited-time promotions will also help you save when you sail in style.
Planning a cruise? Start with these stories:
- The 5 most desirable cabin locations on any cruise ship
- A beginners guide to picking a cruise line
- The 8 worst cabin locations on any cruise ship
- The ultimate guide to what to pack for a cruise
- A quick guide to the most popular cruise lines
- 21 tips and tricks that will make your cruise go smoothly
- Top ways cruisers waste money
- The ultimate guide to choosing a cruise ship cabin
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There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
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- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
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| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
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Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.