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What are the top credit cards for cruise travel?

Summary:Discover the best credit cards for cruise travel, including the Chase Sapphire Preferred® Card, Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, and Bank of America® Travel Rewards credit card. Earn rewards and benefits to enhance your cruising experience.

Top Credit Cards for Cruise Travel

Cruising is a popular way for travelers to see the world, and credit cards can offer valuablerewardsandbenefitsto make the experience even better. But with so many credit cards available, which ones are the best forcruise travel? Here are some top options to consider:

1. Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is a great choice for cruise travel because it offers 2x points on travel and dining purchases, including cruises. Cardholders can also earn a 60,000-point welcome bonus after spending $4,000 in the first three months of account opening, which can be redeemed for $750 in travel through Chase Ultimate Rewards®. Other benefits include no foreign transaction fees and trip cancellation/interruption insurance.

2. Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® is a co-branded airline credit card that offers a sign-up bonus of 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first three months of account opening. Cardholders can also earn 2x miles on eligible American Airlines purchases and at restaurants and gas stations, which can be used to book flights to cruise ports or for other travel expenses. Additional benefits include a free checked bag on American Airlines flights and priority boarding.

3. Bank of America® Travel Rewards credit card

The Bank of America® Travel Rewards credit card is a good option for those who want a simple rewards program with no annual fee. Cardholders can earn 1.5 points per $1 spent on all purchases, and there are no blackout dates or restrictions on travel. Points can be redeemed for statement credits towards travel purchases, including cruises. The card also offers no foreign transaction fees and a sign-up bonus of 25,000 points (worth $250 in travel) after spending $1,000 in purchases within the first 90 days of account opening.

Tips for Applying for Credit Cards

When applying for a credit card, it's important to consider your credit score, income, and spending habits. Here are some tips to keep in mind:

- Know your credit score: Your credit score can impact your approval odds and the credit limit you're offered. Check your score for free at sites like Credit Karma or Credit Sesame.

- Compare offers: Don't just apply for the first credit card you see. Compare offers from different issuers to find the best fit for your needs.

- Watch out for fees: Some credit cards charge annual fees or other fees that can eat into your rewards. Make sure you understand the fee structure before applying.

- Use credit responsibly: Make sure you can afford to pay off your credit card balance in full each month to avoid interest charges. Late payments can also hurt your credit score.

- Maximize rewards: Once you have a new credit card, make sure you're maximizing your rewards by using it for purchases that earn the most points or miles. Keep track of your rewards and redeem them before they expire.


When it comes to cruise travel, credit cards can offer valuable rewards and benefits that can make the experience even better. Whether you're looking for a simple rewards program or a co-branded airline card, there are options available to fit your needs. Just make sure to apply responsibly and use your credit card wisely to avoid fees and interest charges.

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