Cruise Line Credit Cards: Which is best?

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Posted: September 24, 2009
Cruise Line Credit Cards: Which is best?

Everyone has seen them, most everyone with decent credit has gotten one in the mail, and they are credit cards for cruise lines. Personally, I get the credit card offer from Carnival and NCL, but there are many more than that.

My general though process behind these offers is: cruise lines are like airlines, you don’t have a loyalty towards one company, and you just want the cheapest airline ticket. I might be wrong on that assumption, but that’s my opinion. However, there are obviously people getting these offers or they wouldn’t keep sending them out. So for you, the customer, I have listed the top cruise line credit cards for you to learn more about the offerings.

The Carnival World MasterCard® – This offer from Barclays Bank Delaware offers customers a way to earn a free cruise on Carnival or any other cruise line, as well as other vacations opportunities.

  • Up to 10,000 Bonus FunPoints® – 5,000 after first purchase and up to 5,000 Bonus Points for initial Balance Transfers (enough for $100 off your next cruise)
  • Double FunPoints® for every $1 spent on ALL Carnival Cruise Lines purchases including onboard purchases charged to Sail & Sign®
  • FunPoint® for every $1 spent on ALL other purchases
  • Low Introductory Rate on initial Balance Transfer
  • No Annual Fee

*View all Terms and Conditions here


Princess Rewards™ Visa Card – This offer from Barclays Bank Delaware offers customers ways to save on and off the ship. Click here to view the ways you can save with the Princess Rewards Visa.

  • No Annual Fee
  • 0% Introductory APR on balance transfers*
  • Up to 10,000 Bonus Princess Points*
  • Double points on all Princess purchases including onboard purchases*
  • One (1) point for every $1 spent on all other purchases*

*View all Terms and Conditions here

Royal Caribbean Visa® Card – This offer is issued by FIA Card Services and offers customers 10,000 points after their first purchase, which is worth $100 on the ship. Doesn’t sound like a lot?

  • Introductory 1.99%† APR only for Balance Transfers* and Direct Deposits for your first 7 billing cycles.   (Transactions that are subject to the Intro APR will receive a 4% transaction fee, no less than $10. Standard fees apply after the Intro APR ends. See Terms and Conditions for details. Intro APR will end if late or over limit. Payments are applied to lower rate balances first.)
  • No annual fee.
  • One point for every $1 spent on purchases with your card, no matter where on land you use it.*
  • Double points for all onboard Royal Caribbean purchases.*
  • A host of world-class benefits, such as common center travel accident insurance, lost luggage protection, emergency cash worldwide, and much more.*

*View all Terms and Conditions here

Celebrity Cruises Visa Card – This offer is issued by FIA Card Services and offers a luxury rewards program with access to the MyConciergesm service.

  • Receive 2,500 Bonus points after your first qualifying transaction.*
  • Earn two (2) points for every dollar you spend on qualified purchases with Celebrity Cruises.*
  • Earn one (1) point for every net retail purchase dollar you make elsewhere – at grocery stores, gas stations, restaurants, recurring monthly bills.
  • Introductory 1.99%† APR only for Balance Transfers* and Direct Deposits for your first 7 billing cycles. (These transactions are subject to a 3% transaction fee, no less than $10. A different fee may apply after the Intro APR ends. See Terms and Conditions for details. Intro APR will end if late or over limit. Payments are applied to lower rate balances first.)

Redeem your Points for:

  • Worldwide Air Travel with no blackout dates, hotel stays and rental cars in the U.S.*
  • Unlimited cash to put spending money in your wallet for vacation.*
  • Celebrity Cruises stateroom upgrades, credit toward onboard experiences – even a FREE cruise.*
  • Access to MyConciergeSM service, a unique 24/7 concierge service.*
  • View Redemption Options

*View all Terms and Conditions here

NCL WorldPoints® MasterCard® – This offer is issued by FIA Card Services and rewards you with exciting travel, merchandise, gift certificates and Freestyle Cruising®. And right now, you´ll receive 5,000 points after you make a qualifying transaction.

  • Introductory 1.99%† APR only for Balance Transfers* and Direct Deposits for your first 7 billing cycles.   (Transactions that are subject to the Intro APR will receive a 3% transaction fee, no less than $10. Standard fees apply after the Intro APR ends. See Terms and Conditions for details. Intro APR will end if late or over limit. Payments are applied to lower rate balances first.)
  • Apply now and get 5,000 Bonus Points after your first qualifying transaction.*
  • Earn 2 WorldPoints points for every $1 spent in purchases made on NCL items.*
  • Earn 1 WorldPoints point for every $1 spent on all other net retail purchases.*
  • Redeem your points for NCL rewards such as cruises, stateroom upgrades, cruise discounts, on-board credits and on-board experiences, as well as last minute cruise specials.
  • No Annual Fee

*View all Terms and Conditions here

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