Cruise Credit Cards

If you are a cruise fan — and there is definitely a cruise cult out there — you might be interested in one of the credit cards listed below.

The list includes credit cards offered direct from cruise lines as well as other credit cards offering special cruise rewards:

  • Carnival World MasterCard – Earn “FunPoints” that can be used toward future cruises or toward your onboard charges while cruising on a Carnival ship and sister cruise lines including Princess Cruises and Holland America. You get 2 points per dollar on purchases you make with the card on Carnival cruise purchases, and 1 point per dollar on all other purchases, plus at least 5,000 free points when you use the card for the first time. For reference, 1000 points is equivalent to $10. This card has no annual fee.
  • Holland America Visa – Earn points toward future Holland America cruises or special rewards once on board Holland America ships, including a 5,000 point bonus (worth $50 in onboard purchases) just for getting and using the card for the first time. There is no annual fee with this card.


  • Norwegian Cruise Line MasterCard – Earn points toward future cruises, onboard purchases, other travel purchases, and more, including 10,000 points just for getting and using the card the first time, which equals $100 off your next Norwegian cruise. This card has no annual fee.
  • Princess Cruises Visa – Earn points toward future Princess cruises or special rewards once on board Princess ships, including a 5,000 point bonus (worth $50 in onboard purchases) just for getting and using the card for the first time. There is no annual fee with this card.
  • Royal Caribbean Visa – Earn points toward Royal Caribbean cruise onboard purchases, other travel purchases, and more, including 10,000 points just for getting and using the card the first time, which equals $100 in onboard purchases. This card has no annual fee.
  • United Cruises / United Mileage Plus Visa – This is not a cruise credit card per se, but if you have a United MileagePlus credit card and you use it to book your cruise through United Cruises for just about any cruise line, you could earn up to 45,000 Mileage Plus miles, good toward future United flights. While the points actually go toward airfare instead of future cruises, you probably have to fly to your cruise takeoff point anyway, so this is a good way to stock up on miles. Here’s a link to sign up for the United MileagePlus credit card, which does have a $95 fee after the first year, so you’ll want to consider whether you’ll fly and cruise enough to make this worthwhile.