Which Credit Card Is Best for Cruise?

By Robert Palmer

If you’re planning a cruise vacation, one of the key things to consider is which credit card to use for your purchases. With so many options available, it can be tricky to determine which card offers the best rewards and benefits for your specific needs. In this article, we’ll take a closer look at some of the top credit cards for cruises and help you decide which one is right for you.

Factors to Consider

Before we dive into specific credit cards, let’s first review some of the factors you should consider when choosing a card for your cruise:

  • Rewards: Look for a card that offers rewards or cash back on travel-related purchases, such as flights, hotels, and cruises.
  • No foreign transaction fees: If you’re traveling outside of the US, make sure your card doesn’t charge foreign transaction fees.
  • Travel insurance: Some credit cards offer travel insurance coverage that can come in handy if something goes wrong during your trip.
  • Annual fee: Make sure to weigh any potential annual fees against the rewards and benefits offered by the card.

Top Credit Cards for Cruises

Now that we’ve discussed what to look for in a cruise credit card, let’s take a closer look at some of the top options:

Chase Sapphire Preferred Card

The Chase Sapphire Preferred Card is a popular choice among travelers due to its generous rewards program. Cardholders earn 2x points per dollar spent on travel and dining purchases, including cruises.

You can redeem points for statement credits or transfer them to airline or hotel partners. The card also offers no foreign transaction fees and trip cancellation/interruption insurance.

Citi Premier Card

The Citi Premier Card is another great option for cruise purchases. Cardholders earn 3x points per dollar spent on travel, including cruises, as well as gas and dining purchases.

Points can be redeemed for travel, statement credits, or gift cards. The card also offers no foreign transaction fees and travel accident insurance.

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card offers flat-rate rewards on all purchases, making it a simple option for those who don’t want to keep track of bonus categories. Cardholders earn 2x miles per dollar spent on all purchases, and miles can be redeemed for travel expenses at a rate of one cent per mile.

Conclusion

When it comes to choosing a credit card for your cruise vacation, the key is to find one that offers rewards and benefits that align with your needs. Consider factors like rewards, foreign transaction fees, annual fees, and travel insurance when making your decision. With the right credit card in hand, you can earn valuable rewards on your cruise purchases and enjoy peace of mind while you travel.