Best Credit Cards for Cruise Lines

10 Cards Compared

Cards

Chase Freedom Flex Chase
Points
5x Until 6/30 Fee: $0
Chase Travel

Q2 2026: 1x base + 4x quarterly bonus = 5x total points. Prepaid cruise purchases via chasetravel.com or by calling the number on the back of the card. Excludes bookings through FROSCH and portions paid with points. Requires activation by June 14, 2026.

Cap: Shared $1,500 spending cap across all Q2 2026 bonus categories combined
Business Advantage Customized Cash Rewards Bank of America
Cash back
3% Fee: $0
Option: Travel

Part of "Travel" choice category. Earn 3% cash back on cruise lines when selected as your choice category.

Cap: $50,000 annual combined spending cap across 3% choice category and 2% dining purchases
Autograph Journey Wells Fargo Bank N.A.
Points
3x Fee: $95

Earn 3x points on cruise lines

Green Card American Express
Points
3x Fee: $150

Earn 3X points on cruises and other travel purchases

Citi Prestige Citi
Points
3x Fee: $495

Earn 3x points on cruise line purchases when booked directly

Bilt Obsidian Column N.A.
Points
2x Fee: $95

Direct bookings with cruise lines.

United Quest Card Chase
Points
2x Fee: $350

Earn 2 miles per dollar on cruise lines

Bank of America Premium Rewards Elite Bank of America
Points
2x Fee: $550

Earn 2 points per dollar on cruise lines. Preferred Rewards members can earn 25-75% bonus with qualifying balances.

Popular Stores

Norwegian Cruise Line