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The Best Ways to Book a Cruise

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Not all cruise sites are created equal. While you may find comparable prices on different sites, each site has its own benefits, offers and cancellation policies. 

Before you book, though, have a look at these credit cards that come with cruise benefits to sweeten the pot even more.

What is the best way to book a cruise?

The best place to book a cruise will vary depending on what you're looking for out of the experience. We've broken out cruise booking sites based on common booking goals.

From our findings, here are the top cruise booking sites for your next vacation, plus the pros and cons they offer travelers.

For sailings across the Caribbean, Mexico or Central America: CheapCaribbean

CheapCaribbean.com is the best cruise website for the Caribbean, Mexico or Central America. It offers a best-price guarantee plus limited-time offers and discounts.

If you find a better deal within 24 hours of booking, CheapCaribbean will price match and beat it by $25. The company's customer service is available seven days a week, from 9 a.m. to 9 p.m. ET.

Best-price guarantee.

Customer service is available seven days a week.

Charges a $24.99 processing fee on reservations.

Must provide an email address to receive the best deals and promos.

» Learn more: The best cruise lines

For consulting reviews from other cruisers: Cruise Critic

Cruise Critic is an independent website that encourages community members to post reviews and share tips.

Its message boards offer ways for website visitors to ask questions and share feedback with others based on their personal experiences and opinions. The site also acts as a metasearch for cruise deals, pulling in prices from multiple cruise websites.

Read cruise reviews from travelers who've been on that itinerary before.

"Deal Score" ranks deals to find the best value.

Price tracker shows 90-day trends for cruise prices.

Must click through the deal to book your cruise on other websites.

Prices are not guaranteed and can change before booking due to fees and restrictions on the sites where the cruises are being sold.

To review several cruise prices at once: CruiseDirect

CruiseDirect is the best cruise website when all you want are cruise prices. It doesn't offer hotels, flights, rental cars or other reservations you may want for your next vacation. CruiseDirect does, however, offer bonuses for travelers booking through its site.

Travelers can filter search results by destination, cruise line or departure port on various ships. This site offers cruises for every type of traveler, from budget to luxury, and every type of ship, from riverboats to mega-ships.

Bonus offers on every reservation provide extra value.

Best-price guarantee and free reservation holds.

Buy now, pay later financing options.

Promos offered by cruise lines aren't exclusive to CruiseDirect.

Customer service can be unfriendly.

» Learn more: Should you insure your cruise?

For budget-friendly options: Priceline

Priceline was originally known for its "Name Your Own Price" promotions, but has grown into a full-service online travel agency offering flights, hotels, rental cars and cruises, saving consumers more than $1 billion dollars per year.

Travelers who book a cruise with Priceline receive up to $2,000 to spend at sea, plus waived deposits on their reservations.

Up to $2,000 to spend on board.

Waived deposits of up to $500 when booking your cruise.

110% best-price guarantee within 48 hours of booking.

Ability to book flights, hotels, rental cars and more from the same site.

Must call Priceline to get exclusive offers and unpublished fares.

Restrictions make the best-price guarantee harder to benefit from.

» Learn more: Tips for getting the best cruise deals

For booking travel experiences beyond the cruise: TripAdvisor

TripAdvisor is an online reviewer community where travelers share their experiences, pictures and ratings of hotels, suggested activities and more. This honest feedback and travel inspiration also make it one of the best websites to book a cruise.

Search over 70,000 cruise deals from more than 60 sites at once.

Dedicated ship pages share details, reviews, photos and itineraries.

Too many search results make it harder to narrow down your choices.

» Learn more: Are cruises all-inclusive?

To match with a vacation planner: Avoya Travel

Avoya Travel is a family-owned website that matches travelers with a vacation planner based on their preferences. It's the best way to book a cruise using a travel planner because it offers a low-price guarantee without charging extra fees for the planner.

The downside is that online pricing is not "live." Therefore, you must speak with a travel planner to get the latest prices and book your cruise.

Match with cruise planners according to your needs.

Does not charge Avoya fees for booking, changes or cancellations.

Get a low-price guarantee and the expertise of a vacation planner without extra fees.

Must become a member to unlock the best deals.

Pricing on the website is not "live" pricing, so actual cost may vary.

Cannot book a cruise online. You must speak with an independent vacation planner.

» Learn more: The best cruise insurance right now

To book a vacation package with an airline or hotel

American airlines cruises.

American Airlines AAdvantage members can earn airline miles when booking cruises at BookAACruises.com . All members earn one mile for every dollar they spend on cruise reservations, up to 10,000 miles. Some cruise specials offer up to 100,000 miles based on your selected cruise.

If you have an American Airlines credit card, you'll earn 2x miles, up to 20,000 miles. These miles and Loyalty Points count toward airline elite status. Additionally, trips booked through this site are eligible for promotions offered by the cruise lines.

Earn miles and Loyalty Points toward travel and elite status.

Cardholders earn 2x miles, up to 20,000 miles on cruises.

Cruise experts are available 24 hours a day, seven days a week.

Cruise reservations are offered by a third party, so customer service issues can be a challenge.

» Learn more: The best travel credit cards right now

Delta SkyMiles Cruises

Delta Air Lines is another airline that allows members to earn airline miles when booking cruises through its portal. Booking through SkyMilesCruises.com helps you earn Delta SkyMiles on your purchase.

Members get up to 10,000 miles on most cruises and up to 100,000 miles on luxury cruises. Plus, the site waives deposits on eligible cruise reservations.

Can earn up to 100,000 miles when booking a cruise.

Waives deposits when booking eligible cruises.

110% price guarantee within 48 hours of booking.

Most cruise awards are capped at 10,000 miles.

Miles earned are based on the length of the cruise, not the amount spent.

United Airlines Cruises

United Airlines MileagePlus members can earn up to 25,000 miles when booking a cruise through United at Cruises.United.com .

When you have a United Airlines credit card, you'll earn up to 45,000 miles. By offering up to 4x miles per dollar spent (or 7x as a cardholder), this site is the best way to book a cruise and earn airline miles on your purchase. If you have Premier status, you receive additional perks on select cruise lines, like wine and onboard credits.

Earn up to 7x miles on cruises.

United MileagePlus Premier members receive additional perks.

Can redeem miles to pay for some or all of your trip.

Not all cruises can be booked online.

Prices do not include a nonrefundable $24.99 processing fee.

Marriott Bonvoy Cruises

If you want to earn hotel points on your cruise, Marriott Cruise with Points is the best cruise website for you. You'll earn up to 6x points on your cruise purchase, or you can redeem Marriott Bonvoy points to pay for your trip.

Plus, Marriott cardholders can earn an extra 2x points when they use that card for their purchase. While most cruises max out at 25,000 Bonvoy points earned, some luxury cruise lines offer up to 250,000 Marriott points.

Earn up to 6x points on your cruise, up to 250,000 Marriott points.

Marriott cardholders receive an extra 2x points when paying with their cards.

Can use Bonvoy points to pay for your cruise.

Redemption value of Bonvoy points is only 0.4 cent.

Must call to book cruises using points.

Processing fee of $24.99 per reservation.

» Learn more: Airline credit cards vs. hotel credit cards

For cruise package deals: Costco Travel

Costco is a retailer that offers exclusive products and pricing to its members. Through its Costco Travel website , members receive exclusive prices and benefits when booking hotels, rental cars, cruises and travel packages.

Executive Members earn 2% back on Costco Travel purchases and receive additional benefits on select packages. Plus, Costco Anywhere Visa® Card by Citi cardholders earn 3% cash back rewards on Costco Travel purchases.

Earn 2% rewards and extra perks with Executive Membership.

Some cruises offer Costco gift cards or onboard credit.

Must be a member to book reservations with Costco Travel.

Directly with the Cruise Line

In some cases, booking directly with the cruise line can be best because it eliminates a third party. If there's a problem with your reservation or you need to make a change, you don't have to worry about the booking site and the cruise line pointing fingers at each other.

This may be the best approach if you know which cruise line you want to book and which cities you want to visit. However, you may miss out on promotions offered by third-party sites.

Simple search functions.

No hassles with third parties for problems, changes or cancellations.

Less likely to get scammed by fraudulent sites.

Miss out on deals offered by third-party sites.

Harder to compare prices, benefits and routes from multiple cruise lines.

Comparing cruise prices across websites

Without being able to compare prices, it can be a challenge to determine the best site for booking a cruise. To make it easier to compare, we priced out a 7-night Caribbean cruise for two adults. 

We selected the lowest-priced balcony room on Royal Caribbean departing from Miami in August 2023. Here are the results:

Mitigate cancellation policy risks with travel insurance

If you're worried your trip plans being disrupted by bad weather or a change of plans, travel insurance might help. This optional standalone insurance can be purchased separately from your cruise bookings.

But you might not even need to pay out-of-pocket for trip insurance because many credit cards offer travel insurance as a built-in benefit to customers who pay for travel expenses on that card.

» Learn more: The best credit cards for cruises

Travel cards with cruise benefits

You can get even more perks by booking your cruise with the right card.

on Chase's website

on Bank of America's website

on American Express' website

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Terms Apply.

Get 25% more value out of your points when you book cruises through Chase.

Book with your card to get automatic travel protections for your cruise.

Redeem miles as a statement credit to cover spending on cruises.

Book with your card to get automatic travel insurance coverage for your cruise.

Earn 2x points on travel spending, including cruises and some ship excursions.

Book with your card to get trip delay reimbursement, trip cancellation coverage and other travel assistance services.

Get American Express Cruise Privileges Program benefits when you book at least five nights with eligible cruise lines. Terms apply.

Cruise program benefits include $300 credit redeemable toward dining and spa services plus amenities like wine, chocolates and champagne. Terms apply.

Booking a cruise recapped

When looking for the best way to book a cruise, the price is virtually the same on every website. The difference lies in how each seller sweetens the deal.

Several cruise booking sites set themselves apart from the competition by offering additional benefits to encourage booking through them. Additionally, being able to book other parts of your trip — like flight and excursions — on the same site, or offering access to a travel agent, distinguishes some of the best cruise websites. 

When prices are the same, we recommend cruise bookers compare the perks being offered, then book on the site with the most appealing bonuses, like onboard credits, airline miles, hotel points or cash back.

If you're searching for cruises on a third-party website, you may question the legitimacy of that site. This is especially true if the site doesn't look professional or some of the information is outdated.

For this reason, you should stick with one of the best cruise booking sites on this list because they've been vetted for legitimacy and have a good track record with travelers.

Yes, last-minute deals can be the best way to book a cruise. If your travel plans are flexible, these deals can save you a lot of money. Keep in mind that you may not be able to book your preferred destination or routing if it is sold out.

Unfortunately, most cruise lines do not offer free cancellations or changes to take advantage of price drops after you book. Passengers can always negotiate with a booking site or cruise line, but they aren't obligated to refund the difference. Instead, they may offer you onboard credit, complimentary excursions or credit toward another cruise booking.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1.5x-2x Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases.

60,000 Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.

How to Book a Cruise With Points and Miles

By Ramsey Qubein

Budget always plays a role when it comes to choosing the right cruise for your vacation. But did you know that miles and points aren’t just for free flights and hotels? You can use them to book a sailing—and even earn miles on one, too—which can arguably be a better value .

Redeeming miles for flights can be tough because you have to spot award space for the specific route and date you want. What’s more, availability during the busiest travel periods, like holidays or school breaks, can be slim. But if you use your accrued hotel points and airline miles for a cruise, there’s no need to search for award availability—because you’ll be using them as a form of payment instead of cash.

Not sure if cruising is your thing? Why not take a short weekend sailing using miles to test it out? Whether you’re looking to sail near or far, we walk you through the best ways to redeem miles and points—through loyalty programs you probably already have—for a cruise.

American Airlines Cruises

This travel portal allows you to earn one mile with American Airlines for every dollar spent on a cruise vacation—including 26 different lines, from the major ones like Royal Caribbean , Celebrity , and Carnival , to small and luxury-focused brands like Azamara and Crystal. Sailing destinations include Alaska , the Caribbean, Hawaii, and the Mediterranean.

You can also use existing miles to offset the cost of your vacation through AA Vacations . As few as 1,000 miles can be redeemed to cover the non-flight portion of an itinerary, so that means applying it to any hotel stays or rental cars before or after your cruise, for example. The website provides an easy sliding scale so you can choose any combination of miles to redeem and dollars to pay.

United Cruises

For as few as 4,000 miles per night, you can book a cruise vacation through this online travel agency that accepts MileagePlus miles as currency. Prices vary depending upon length, destination, and luxury level, but using miles can be a great way to save some cash. What’s more, since United Cruises is actually a travel agency in its own right, you can score extra benefits like included gratuities, potential cabin upgrades , and onboard credits when booking through this site—even when redeeming points. Finally, if you’re looking to pump up your mileage balance, you can also earn miles for every dollar you spend when booking through United Cruises .

World of Hyatt

A soon-to-launch partnership between World of Hyatt and Lindblad Expeditions gives members the chance to redeem points for a wide range of expedition cruises and adventure travel experiences, like sailing to the Antarctic peninsula or spotting polar bears in the Arctic. If you still choose to pay, members earn five points for every dollar spent on the cruise portion of their trip. Booking through the partnership’s portal also delivers perks like a $250 shipboard credit, which you can use for things like upgraded dining experiences or gift shop purchases. Even better, these cruises count toward earning World of Hyatt status, which awards the most frequent travelers with extra perks like room upgrades and bonus points on future stays.

Club Wyndham

Through a special partnership with Norwegian Cruise Line , Club Wyndham members can redeem points for numerous cruise itineraries on a Norwegian ship . Even if you don’t have enough points to redeem, you can “rent” them for a fee of $12 per 1,000 points. That means that you can top off your timeshare points account to get to a free cruise faster. A three-night Bahamas cruise can start as low as 248,000 points, offering exceptional value for people who often rack up lots of points with business travel, but prefer to use them to offset the cost of a family vacation.

Credit card programs

Many credit card programs, like American Express Membership Rewards and Chase Ultimate Rewards, allow you to redeem points for travel at the rate of one cent per point. If you have the Chase Sapphire Preferred or Chase Sapphire Reserve cards , your points are worth more and can be redeemed at a greater value (1.25 cents per point for the Preferred card and 1.5 cents per point for the Reserve card). Citi Premier cardholders can redeem their ThankYou points at a rate of 1.25 cents per point. If you use Membership Rewards points from the Platinum Card from American Express , you’ll enjoy bonuses like stateroom credits and welcome bottles of champagne on your trip.

To book cruises with credit card points, you can redeem on the credit card’s website, although Chase Ultimate Rewards and Citi ThankYou will have you call a reservations agent to book your preferred cruise. You can always sign up for a co-branded card, like the Carnival World MasterCard or Celebrity Cruises Visa Signature Card to earn points for direct redemption with the cruise line—but know that these cards offer limited value for people that don’t cruise frequently, because they can only be used for cruises and rarely earn bonus points on other categories the way other cards do.

But as we've pointed out, you won't need a new credit card to help pay for your cruise; tap into the points you've already accrued on the one you have. Instead of letting those loyalty program balances languish, use it to take your next vacation without spending a fortune.

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The Best Ways To Book a Cruise Using Points and Miles [2024]

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How To Book a Cruise With American Express Membership Rewards Points

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You probably think of points and miles as a great way to book a flight or hotel room without spending a lot of money. While those are great ways to use your points, you can also book other types of travel, like a cruise, with points.

A cruise might not be something you think you can book with points or miles, but it can be done! In this post, we’ll walk you through all of the ways you can use your points and miles to book the cruise vacation of your dreams.

While there are no programs that offer a cruise line as a transfer partner, you can still use your points to book a cruise. The key is knowing which type of points you need and how to use them wisely.

As always, we’ve got you covered here at Upgraded Points — this guide will give you all the tools you need to book your next cruise with points.

American Express Membership Rewards Points

American Express Membership Rewards is a popular transferrable currency because its points are easy to earn and it has lots of great Amex airline partners .

You can also use Membership Rewards points through AmexTravel.com , a travel portal that acts like an online travel agency. The downside is that you’ll get less value for your points when you use them this way . Booking through AmexTravel.com will give you 0.7 cents in value, while transferring your points to hotel or airline partners often gives you 2, 3, or more cents per point in value.

If you’re also interested in flights and hotels, your best bet will be to transfer your points. However, if a cruise is what you’re after, the lower value might be worth it if you’re getting to book the vacation of your dreams.

There are lots of great cards that earn Amex Membership Rewards points — here are some of our favorites:

Recommended American Express Cards (Personal)

The Platinum Card ® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• Annual and monthly statement credits upon enrollment ( airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit )
• TSA PreCheck or Global Entry credit
• Access to American Express Fine Hotels and Resorts
• Access to Amex International Airline Program
• No foreign transaction fees ( rates and fees )
• $695 annual fee ( rates and fees )
• Airline credit does not cover airfare (only incidentals like checked bags)
• Earn 80,000 Membership Rewards ® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card ® , Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card ® . Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card ® . Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR ® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card ® . Learn more.
• $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck ® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card ® . An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.
• Terms Apply.

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American Express ® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

The American Express ® Gold Card  is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

• 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
• 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
• 3x points per dollar on flights purchased directly from airlines or at Amex Travel
• Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com , Milk Bar and select Shake Shack locations
• Up to $120 in annual Uber Cash : get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
• No foreign transaction fees (see rates and fees )
• Access to Amex’s The Hotel Collection
• Access to American Express transfer partners
• $250 annual fee (see rates and fees )
• No lounge access
• Earn 60,000 Membership Rewards ® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Earn 4X Membership Rewards ® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards ® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards ® points on flights booked directly with airlines or on amextravel.com.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express ® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
• Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
• Choose the color that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.
• Find the Amex Gold 75k or 90k Welcome Bonus Offer
• Benefits of the Amex Gold
• Upgrade Amex Gold to Amex Platinum
• Amex Gold Benefits for Military
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If you’re a business owner, see our article on the best American Express business cards .

• To book a cruise using your Membership Rewards Points, just search for your cruise on AmexTravel.com  as you normally would.

• You may notice that your total cost still shows in dollars. That’s because the full cost of the trip will be charged to the credit card that’s linked to your account. Then you’ll see a credit based on the amount of Membership Rewards points you chose to apply towards your cruise.

Bottom Line: You can book a cruise through AmexTravel.com online or by calling 866-669-4423. However, booking a cruise online through Amex can be glitchy, so you might have to end up calling. Unfortunately, many agents won’t know how to apply points to your booking, so you may have to call several times to get someone who can help you. You’ll get 0.7 cents per point in value when booking a cruise through AmexTravel.com.

As an American Express cardholder , you’re also eligible for some extra perks when you book a cruise.

When you search for a cruise, keep an eye out for the Special Offers tab that will be next to your search results. This tab will list the current deals offered to Amex credit cardholders. Perks can include things like onboard credit or prepaid gratuities.

As a cardholder of Amex Platinum card or The Business Platinum Card ® from American Express , you’re eligible for exclusive benefits when you book a cruise through AmexTravel.com.

On eligible cruises of 5 nights or more, you’ll receive a shipboard credit of $100 to $300 per stateroom (based on cabin type and cruise line), plus an additional exclusive amenity based on your cruise line.

Here are the extra amenities you can expect to receive from each cruise line (please keep in mind these are subject to change at any time):

• AMA Waterways: $100 spa voucher per stateroom
• Azamara: Behind the scenes ship tour and a bottle of premium Champagne
• Celebrity Cruises : Bottle of Champagne or wine
• Crystal Cruises: $200 shore excursion credit per stateroom
• Cunard: Bottle of wine
• Holland America Line : Plate of chocolate-covered strawberries
• Norwegian Cruise Line: Complimentary dinner for 2 at Le Bistro Restaurant
• Oceania Cruises: Premium wine tasting event and a bottle of wine of your choice from the tasting menu
• Princess Cruises: Plate of canapés
• Regent Seven Seas Cruises: Exclusive private galley tour
• Royal Caribbean: Bottle of premium Champagne or wine
• Seabourn : Exclusive “suite dreams” turndown service plus a bottle of wine
• Silversea: Bottle of premium Champagne and a tour of the ship’s galley
• Uniworld Boutique River Cruises: Bottle of wine and fresh flowers
• Windstar Cruises: Canapés, a bottle of Champagne, and chocolate-covered strawberries

To redeem these benefits, book online with your Amex Platinum card or call the Platinum Card Travel Service at 800-525-3355.

Hot Tip: Disney Cruise Line sailings can’t be booked through AmexTravel.com, Chase Travel, or Citi Travel.

One of the easiest and best ways to use points to pay for your cruise is by using a credit card that earns points or miles that can then be redeemed as a statement credit. These types of cards tend to be easy to use and a great option when you want to book something other than a flight or hotel.

Capital One offers some great cards that may come in handy when booking a cruise, including the Capital One Venture Rewards Credit Card, Capital One Venture X Rewards Credit Card, and Capital One VentureOne Rewards Credit Card.

When you use this method, you can take advantage of any other sale or promotion since you don’t have to book through a specific portal, so it’s a great way to get additional discounts.

Recommended Capital One Cards

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights purchased through Capital One Travel
• 2x miles per $1 on all other purchases
• $300 annual travel credit on bookings made through Capital One Travel
• Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• 10,000 bonus miles awarded on your account anniversary each year
• Global Entry or TSA PreCheck credit
• Add authorized users for no additional annual fee ( rates & fees )
• No foreign transaction fees ( rates & fees )
• $395 annual fee ( rates & fees )
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
• Receive up to a $100 credit for Global Entry or TSA PreCheck ®
• APR: 19.99% - 29.99% (Variable)

Capital One Miles

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Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

The Capital One Venture Rewards Credit Card   is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

• 5x miles per $1 on hotels and rental cars booked through Capital One Travel
• Global Entry or TSA PreCheck application fee credit
• Access to Capital One transfer partners
• $95 annual fee ( rates & fees )
• Limited elite benefits
• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
• Transfer your miles to your choice of 15+ travel loyalty programs
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Capital One VentureOne Rewards Credit Card

The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Interested in a travel rewards credit card without one of those pesky annual fees? Then say hello to the Capital One VentureOne Rewards Credit Card.

In addition to no annual fee, the Capital One VentureOne card offers no foreign transaction fees.

But is this card worth its salt, or is it merely a shell of the more popular Capital One Venture card?

• No annual fee ( rates & fees )
• Ability to use transfer partners
• Fraud coverage
• Weak earn rate at 1.25x miles per $1 spent on all purchases
• No luxury travel or elite benefits
• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• Earn unlimited 1.25X miles on every purchase, every day
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
• APR: 19.99% - 29.99% (Variable),0% intro on purchases for 15 months
• No Annual Fee Cards
• Benefits of the Capital One VentureOne Card
• Capital One Venture X Card vs. Capital One VentureOne Card [Detailed Comparison]
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• The 5 Best First Credit Cards For Beginners [April 2024]

Bottom Line: With the Capital One Venture card, Capital One VentureOne card, or the Capital One Venture X card, you’ll be able to use your miles to redeem against your cruise purchase (within 90 days) at 1 cent per point in value.

Chase Ultimate Rewards Points

The Chase Ultimate Rewards program gets a lot of hype because its points are easy to earn and use and there are great Chase transfer partners .

There are so many  ways to earn Ultimate Rewards points and they can be redeemed in many ways . You can even book a cruise through the Chase travel portal  and use points to pay for it.

The value you get for your points will depend on which credit card you have. Here’s a quick look:

As you can see, Chase credit cards (including Chase’s business credit cards ) have different rates of earning points, with the Chase Sapphire Reserve card yielding the most value for your Ultimate Rewards points.

Recommended Chase Cards

Chase Sapphire Preferred ® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide
• $50 annual credit on hotel stays booked through the Chase Travel portal
• 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
• Excellent travel and car rental insurance
• 10% annual bonus points
• No foreign transaction fees
• 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC
• APR: 21.49%-28.49% Variable

Chase Ultimate Rewards

• The Chase Sapphire Preferred 80k or 100k Bonus Offer
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Chase Sapphire Reserve ®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• 5x points on airfare booked through Chase Travel SM
• 3x points on all other travel and dining purchases; 1x point on all other purchases
• $300 annual travel credit
• Priority Pass airport lounge access
• TSA PreCheck, Global Entry, or NEXUS credit
• Access to Chase Luxury Hotel and Resort Collection
• Rental car elite status with National and Avis
• $550 annual fee
• Does not offer any sort of hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
• APR: 22.49%-29.49% Variable
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Once you have enough points, you can take a look at the cruises offered through the Chase travel portal. The good news is that you’ll find cruises from all the major cruise lines you would expect, including Royal Caribbean, Norwegian, Princess, Celebrity, and more.

You’ll see the prices listed in dollars, so you’ll also have to do the math to figure out how many points you will need. You’ll be able to see the total amount of credit you have at the top of the cruise portal screen.

Once you have selected your cruise, you’ll have to call 855-234-2542 to book as cruises can’t be booked online through Chase.

Bottom Line: Cruises can be booked using Ultimate Rewards points, but you’ll have to call 855-234-2542 to make your reservation. The value you’ll get for your points is determined by which Chase credit card you have, with the Chase Sapphire Reserve card offering the most value.

Hot Tip: Not sure where to start? Check out our detailed guide to the best websites to use to book a cruise .

Cruise Credit Cards

If you are interested in booking a cruise, you might be tempted to check out a co-branded cruise line credit card. These are generally not a great value — even for booking a cruise. But, if you’re still interested, we’ll give you a quick taste of what you can expect.

Here’s a quick rundown of some of the credit cards offered by cruise lines:

This card comes with a welcome bonus of a $250 statement credit after spending $500. You’ll earn 2x points on any Carnival Cruise purchases and 1x points on all other purchases . You can redeem your FunPoints for 1 cent per point towards Carnival cruises , including onboard charges. Unfortunately, this card’s points are tied to Carnival, so they aren’t super flexible.

This card comes with a measly 10,000 point welcome bonus (worth $100 in ship credit on Royal Caribbean ), Celebrity, or Azamara Club Cruises, plus 10,000 bonus points (worth $100 statement credit). You’ll earn 2x points on Royal Caribbean and sister brand ships and 1x point per dollar spent on everything else.

The Royal Caribbean MyCruise Points program is complicated — there is a list of specific redemptions with very specific requirements. If you’re looking for a straightforward, easy way to pay for your cruise with points, this isn’t the program for you.

This card is another lackluster cruise line credit card. The welcome bonus is 10,000 Princess Points, which is worth $100 as a statement credit towards a Princess Cruises purchase. You’ll earn 2x points on Princess Cruises purchases and 1x points on all other purchases.

With the Norwegian Cruise Line card, you’ll earn 3 WorldPoints for every dollar you spend on Norwegian Cruise Line purchases, 2x points per dollar on airline and hotel purchases, and 1 point per dollar on all other purchases. This card also comes with a 25,000-point bonus offer that is worth $250 towards upgrades, discounts, onboard credits, and more.

This is a standard cruise line card, offering a welcome bonus worth $100 in onboard credit. This card earns 2x points on Celebrity Cruises , Royal Caribbean Cruises, and Azamara Club Cruises. You can redeem your points for onboard credits or cruise vacations.

While the Disney Premier card isn’t specifically a cruise card, the Disney Rewards Dollars you earn can be applied to Disney cruises. This card comes with a decent welcome bonus worth $300 and even offers bonus categories for points:

• Earn 2% in Disney Rewards Dollars from purchases at gas stations, grocery stores, restaurants, and most Disney locations
• Earn 1% in Disney Rewards Dollars on all other purchases

You can use your Disney Rewards Dollars toward Disney Cruise Line packages and onboard charges.

Bottom Line: If you are looking to book a cruise with points and miles, surprisingly, a cruise line credit card isn’t your best option.  These cards don’t offer very lucrative welcome bonuses or earnings categories. Plus, they don’t give you much flexibility with your points. In most situations, you’ll be better off with a credit card that lets you use your points as a statement credit or a card that earns flexible points.

Marriott Bonvoy Points

You may be surprised to know that you can use your Marriott Bonvoy points to book a cruise . While many people might think of Marriott Bonvoy points as hotel points, they are actually transferable and very flexible — they can be used for hotels, flights,  and even cruises!

Marriott Bonvoy partners with Cruise With Points to allow you to use your Marriott Bonvoy points towards a cruise vacation (or you can choose to earn Marriott Bonvoy points on cruises that you pay for).

Recommended Marriott Bonvoy Credit Cards

Marriott Bonvoy Bold ® Credit Card

A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.

Casual travelers who like to frequent properties that are part of the Marriott Bonvoy collection of brands may want to consider the Marriott Bonvoy Bold ® Credit Card.

The Marriott Bold card rewards cardholders for Marriott stays and gives them a boost towards Marriott Bonvoy elite status.

• Up to 14x points per $1 on Marriott purchases
• 2x points per $1 on travel purchases
• 15 Elite Night Credits each year (automatically gives you Silver Elite status)
• No foreign transaction fees
• No annual fee
• Lower point earn rate than other Marriott Bonvoy cards
• Marriott Bonvoy Silver Elite status is the lowest status tier
• Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.
• Pay no annual fee with the Marriott Bonvoy Bold ® Credit Card from Chase ® !
• Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy ® with the Marriott Bonvoy Bold ® Card.
• 1X point for every $1 spent on all other purchases.
• Your points don't expire as long as you make purchases on your card every 24 months.
• APR: 21.49%–28.49% Variable
• Hotel Credit Cards

Marriott Bonvoy

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Marriott Bonvoy Boundless ® Credit Card

Marriott loyalists will love this card's annual free night award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.

If you’re a frequent traveler and a Marriott loyalist, there’s a lot to love about the Marriott Bonvoy Boundless ® Credit Card . The card comes packed with several great benefits like a free hotel night once a year, automatic Silver Elite status (with a fast-track to Gold Elite status), and multiple options for redeeming points.

• Earn big when you use your card at thousands of participating Marriott Bonvoy hotels
• Earn big at grocery stores, gas stations, and dining
• Automatic Silver Elite Status
• 1 Free Night Award each cardmember anniversary (valued up to 35,000 points)
• One year complimentary DoorDash DashPass subscription
• Marriott Silver status is the lowest status tier
• Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
• Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
• Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
• 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
• Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy ® with the Marriott Bonvoy Boundless ® Card.
• Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
• No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
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Marriott Bonvoy Bevy™ American Express ® Card

The Marriott Bonvoy Bevy card gives you automatic Marriott elite status and helps you earn more Marriott Bonvoy points on your everyday purchases.

The Marriott Bonvoy Bevy™ American Express ® Card , the latest mid-tier offering in the Marriott Bonvoy lineup of cards, offers cardholders automatic elite status and ways to earn more Marriott Bonvoy points on each of their stays and daily purchases.

• 6x points per $1 at hotels participating in Marriott Bonvoy
• 4x points per $1 at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases per calendar year, then 2X points)
• 2x points per $1 on all other purchases
• Complimentary Marriott Bonvoy Gold Elite status
• 15 Elite Night Credits per year
• 1,000 bonus points per paid stay
• 1 Free Night Award (up to 50,000 points) when you spend $15,000 on the card in a year
• $250 annual fee ( rates and fees )
• Free Night Award certificate is not an automatic benefit
• Earn 155,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
• Earn 6X Marriott Bonvoy ® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
• Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
• Earn 2X points on all other eligible purchases.
• Marriott Bonvoy 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy ® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy.
• With complimentary Marriott Bonvoy Gold Elites status, earn up to 2.5X points from Marriott Bonvoy ® on eligible hotel purchases with the 25% Bonus Points on stays benefit, available for Qualifying Rates.
• Marriott Bonvoy Bevy Free Night Award: Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy™ Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy ® points) at a hotel participating in Marriott Bonvoy ® . Certain hotels have resort fees.
• 15 Elite Night Credits: Each calendar year with your Marriott Bonvoy Bevy™ American Express Card ® you can receive 15 Elite Night Credits toward the next level of Marriott Bonvoy ® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
• Plan It ® is a payment option that lets you split up purchases of $100 or more into equal monthly installments with a fixed fee. Plus, you'll still earn rewards the way you usually do.
• $250 Annual Fee.
• Terms apply.
• APR: 20.99%-29.99% Variable

Marriott Bonvoy Brilliant ® American Express ® Card

A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.

The Marriott Bonvoy Brilliant ® American Express ® Card  is a premium card designed with road warriors and Marriott Bonvoy loyalists in mind.

So is the card a worthwhile addition to your wallet?

• 6x points per $1 at hotels participating in Marriott Bonvoy   program
• 3x points per $1 on flights booked directly with airlines and restaurants worldwide
• 25 Elite Night Credits each year
• Priority Pass Select membership upon enrollment
• Global Entry or TSA PreCheck application fee statement credit
• Annual Free Night Award after card renewal
• Complimentary Platinum Elite status
• Steep annual fee of $650 ( rates and fees )
• 6x points per $1 is the same earn rate offered with lower annual fee alternatives like the Marriott Bonvoy Bevy™ American Express ® Card
• Earn 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
• $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant ® American Express ® Card at restaurants worldwide.
• With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
• Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy ® . 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
• Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy ® . Certain hotels have resort fees.
• Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant ® American Express ® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
• $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton ® or St. Regis ® when you book direct using a special rate for a two-night minimum stay using your Card.
• Fee Credit for Global Entry or TSA PreCheck ® : Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck ® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant ® American Express ® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Each calendar year with your Marriott Bonvoy Brilliant ® American Express ® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy ® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
• Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
• No Foreign Transaction Fees on international purchases.
• With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• $650 Annual Fee.

• Next, click on Redeem Points at the bottom of the screen.
• Here you’ll be able to search for an available cruise. Once you find a cruise, you’ll need to call 800-596-0452 Monday to Friday from 8 a.m. to 8 p.m. EST to make your reservation.

You can redeem your points for a certificate that you can apply to your cruise:

While it’s great to have this option, unless a cruise is the only way you want to travel, it’s not the best use of your Marriott Bonvoy points since you’ll only get 0.4 cents per point in value when booking a cruise. Marriott Bonvoy  points are worth ~0.7 cents each , so you’ll miss out on some value by using Marriott Bonvoy points for a cruise.

Bottom Line: You can use your Marriott Bonvoy points to book a cruise or get a discount on a cruise by calling 800-596-0452 Monday-Friday from 8 a.m. to 8 p.m. EST. You will get 0.4 cents value per point when using Marriott Bonvoy points this way.

United MileagePlus Miles

Did you know that you can book all or part of a cruise using United MileagePlus miles? Alternatively, you can choose to pay for your cruise and earn United miles on the cost of your stateroom.

As with most options for booking a cruise, using United miles isn’t the best option as far as value is concerned — you’ll get ~ 0.7 cents per mile when booking a cruise. United miles are generally valued at right around 1.3 cents per mile, so you’re getting less than half the value you could get if you used your miles for a flight.

But if you’re flush with United miles and just want to go on a cruise, it might be an option to consider.

• Visit United Cruises to get started or go to United.com and click on MileagePlus > Use Miles > Cruise Awards .
• Search for a cruise as you would on any other online travel agency.

• Once you select your cruise, you’ll be prompted to log in to your United account.

Bottom Line: You can expect to get ~0.7 cents per mile in value when booking a cruise with United miles. This isn’t a great value considering United miles are valued at ~1.3 cents each.

Other Cruise Perks, Discounts, and Bonuses

Let’s review a few other ways to get the most out of your next cruise.

Qualifying Platinum and Noir members in the MGM Rewards program can receive a free cruise on Royal Caribbean or Celebrity Cruises each year.

Amex Offers are a great perk of having an American Express credit card. Keep an eye out for offers on cruises — you may be able to get an additional discount or bonus Membership Rewards points. These offers can be stacked with any other discounts or bonuses! You can always pay for part of your cruise with your credit card to get the bonus, then use points for the rest.

Similarly, Chase Offers also features cash-back offers across many categories, including travel.

Cruise-related offers have included cash-back and percent-back offers with Carnival and Crystal. Make sure you’re checking your current Chase Offers frequently to see what’s currently available on your card!

If you decide you would rather pay for your cruise and save your points for a better redemption, be sure to set yourself up to earn the most points on your next cruise:

• American Airlines Cruises: Earn up to 100,000 bonus American Airlines miles on select cruises when you book through American . Most cruises earn 1 to 2 bonus miles per dollar (capped at 10,000 bonus miles or 20,000 bonus miles if you are an American Airlines credit cardmember).
• Marriott Bonvoy Cruises: You can earn up to 30,000 bonus Marriott Bonvoy points (3 points per dollar spent) when you book a cruise through Marriott Bonvoy .
• SkyMiles Cruises: When you book your cruise through Delta , you can earn up to 10,000 Delta SkyMiles, depending on the length of your cruise. Plus, you can earn even more bonus SkyMiles on select sailings.
• United Cruises: You can earn up to 7 miles per dollar when you book select cruises through United . Most cruises offer the chance to earn up to 25,000 miles, but United MileagePlus credit cardmembers can earn up to 45,000 bonus miles per cruise.

Hot Tip:  If you’re not sure how to pay for your cruise, check out our guide to the best credit cards for booking cruises .

While booking a cruise with points and miles might not be as straightforward as booking a hotel or flight, it can be done! There are lots of options to pay for your entire cruise with points or to use points to get a substantial discount.

Keep in mind, with most of these methods, the value you are going to get for your points is less than what it could be if you were using them in a more traditional way (for flights or hotels). But if a cruise is what you want and your points can help get you there, then it’s a good redemption for YOU! Happy sailing!

The information regarding the Carnival ® World Mastercard ® , Royal Caribbean Visa Signature ® Card, Princess Cruises ® Rewards Visa ® Card, Norwegian Cruise Line ® World Mastercard ® and Celebrity Cruises Visa Signature ® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Marriott Bonvoy Bold ® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Marriott Bonvoy Boundless ® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card ® from American Express, click here . For rates and fees of the American Express ® Gold Card, click  here . For rates and fees of The Business Platinum Card ® from American Express, click here . For rates and fees of the Marriott Bonvoy Bevy™ American Express ® Card, click here . For rates and fees of the Marriott Bonvoy Brilliant ® American Express ® card, click here .

Frequently Asked Questions

Can i use points for a cruise.

Yes! While it’s not as good of a value as using points for a flight or hotel, you can use your points for cruises. Look for cards that earn points or miles that act as a statement credit for travel purchases. Check out programs like Chase Ultimate Rewards or Amex Membership Rewards and use these types of points in their travel portals for cruises. You can also use Marriott Bonvoy points and United miles to book cruises.

Can I use airline miles for a cruise?

Yes, you can use United MileagePlus miles towards a cruise. You can no longer redeem American AAdvantage miles, Southwest Rapid Rewards points, or Delta SkyMiles for a cruise.

Can I book a cruise with Hilton points?

No, you can no longer book a cruise with Hilton Honors points. The only hotel points you can use to book a cruise are Marriott Bonvoy points.

Can Capital One miles be used for cruises?

Yes. The miles you earn on Capital One credit cards can be used to redeem against travel purchases within the previous 90 days (including cruises) on your statement. Alternatively, you can use points to book a cruise through the Capital One Travel portal.

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About Katie Seemann

Katie has been in the points and miles game since 2015 and started her own blog in 2016. She’s been freelance writing since then and her work has been featured in publications like Travel + Leisure, Forbes Advisor, and Fortune Recommends.

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Should I book my flight through my cruise line?

Update: Some offers mentioned below are no longer available. View the current offers here .

Choose a cruise deal with airfare included, or book an air-cruise package, and your cruise purchase can really be one-stop shopping. You always get transportation, food and lodging all in one price with a cruise, but book your airfare through your cruise line, and you'll take care of the majority of your travel plans in one transaction.

But should you book your flights through your cruise line? While doing so can offer various benefits, you will want to consider whether the pros outweigh any cons. The answer will depend on your particular travel situation, and whether you're contemplating a cruise with flights included in the deal or simply paying for flights through your cruise line.

Learn more about the benefits and drawbacks of cruise and flight packages to determine whether it's a smart move to book your flights via your cruise line.

For cruise news, reviews and tips, sign up for TPG's cruise newsletter .

5 reasons why you should book your flight through your cruise line

The airfare can be a good deal.

Some high-end cruise lines include flights as a booking perk. Oceania Cruises offers economy airfare with the most inclusive (and expensive) of its three OLife Choice promotion tiers, while Regent Seven Seas Cruises lures travelers with free business-class flights to Europe. It's hard to find a better deal than free, even if you might not have as much control over your booking as you'd like.

Even cruise lines selling you flights claim to have low rates. Royal Caribbean claims that its airfares are so competitive that it will refund you 110% of the difference in onboard credit if you can find a cheaper flight. It makes sense that cruise lines' in-house travel agencies can get access to the lowest rates or bulk fares not available to the general public.

You'll still earn points and miles

Buying a cruise line air package is similar to purchasing flights through a travel agent. You can add your frequent flyer number to the reservation to earn miles and access your elite perks — but watch out for extremely discounted fares that might not qualify. Plus, if you pay with a rewards-earning credit card, you'll also get points or miles for your purchase.

TPG pro tip: Look for credit cards that earn extra points on travel purchases , so your cruise-and-flight purchase can earn you free travel faster. Among our top-rated credit cards for travel are the Chase Sapphire Preferred Card, which gives you 2 Ultimate Rewards points per dollar spent on travel purchases, and the Chase Sapphire Reserve, which offers 3 points per dollar on travel.

Related: These are the credit cards to use to maximize your next cruise vacation

The cruise line will assist you with travel disruptions

The cruise line's travel department has the back of all cruisers who purchased flights through them. If your flight is delayed due to weather or a mechanical problem, agents will assist you with rebooking. Should the flight issues lead to you missing your ship, the line will make arrangements to get you to the next port of call.

The same is true if your cruise ends unexpectedly early due to weather, mechanical issues or an illness outbreak. The cruise line's air department will rebook cruise passengers who booked their flights through the cruise line, but independent travelers will be left to fend for themselves.

You can book now and pay later

Are you a planner and book your cruise a year in advance? With airline change fees, you might not want to pay for airfare months in advance, in case your plans change. Some cruise lines' air-cruise packages, such as Carnival Cruise Line 's Fly2Fun Air Program and Holland America 's Flight Ease, allow you to pay for your flights when your final cruise payment is due (typically about 90 days prior to sailing) rather than at the time of booking.

Related: 15 ways that cruising newbies waste money on their first cruise

Cruise lines don't charge booking fees

Cruise lines will not charge you service or convenience fees to book your flights through their air departments. You only have to pay the airfare and the applicable airline taxes and fees.

5 reasons not to book your flight through your cruise line

You can't pay with miles.

If you'd love to book your flights with credit card points or airline miles, you'll need to do that through the airline, not the cruise line.

You might also want to watch out if you hope to pay for coach airfare through your cruise line and then upgrade with miles. As cruise lines often negotiate special low rates with the airlines, these fare classes are often ineligible for mileage or elite upgrades.

Cruise lines charge deviation fees for custom itineraries

Some cruise line air bookings come with restrictions around when you can fly. Should you wish to arrive several days early or spend a week in the area after your cruise, perhaps even flying home from a nearby city, you might need to pay the cruise line a deviation fee of a few hundred dollars.

Related: 11 extra charges on cruise ships that will drive you nuts — and what you can do about them

You can't always pick your airline, schedule or flight routing

Many cruise lines now offer choice and flexibility with airline arrangements, letting you pick your airline, travel time and routing. However, some of the cheaper, more restrictive options leave the booking exclusively to the cruise line's air department, allowing you no say in your flight route — unless you pay the aforementioned deviation fee or pay more for a flexible booking option. For example, with Viking , you'd need to upgrade from their base Inclusive Air option to the pricier Viking Air Plus fares in order to choose your specific flights.

Free airfare isn't free

Remember that free airfare perk? It's not actually free. The cruise lines increase the base cruise fare to cover the extra perks. Decline the airfare, and they will reimburse you with an air credit or charge you a cruise-only rate. If you can find fares cheaper than the credit, you'll save money by not booking your flights through your cruise line.

This advice especially applies to travelers flying from smaller airports that aren't among the major ones covered by the free airfare deal. Most cruise line airfare fine print states that passengers flying out of other airports will pay an additional fee. If you can book flights that are cheaper than the fee plus the air credit, you should do that and skip the not-actually-free airfare.

The cruise lines can charge service fees for changes

Cruise lines can add their own fees and surcharges on top of the typical airline charges. Some lines, such as Carnival, charge a flat fee for flight changes, in addition to the fees and fines imposed by airlines. If saving money is the most important consideration, you might want to book independently to avoid any extra surcharges.

Planning a cruise? Start with these stories:

• The 5 most desirable cabin locations on any cruise ship
• The 8 worst cabin locations on any cruise ship
• A quick guide to the most popular cruise lines
• 21 tips and tricks that will make your cruise go smoothly
• 16 mistakes cruisers make on sea days
• 12 best cruises for people who never want to grow up
• What to pack for your first cruise

American Airlines Flight Deals

Looking for cheap flights within the u.s. see one way options..

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*Fares displayed have been collected within the last 24hrs and may no longer be available at time of booking. Some fares listed may include one or more connections that are Basic Economy, which class is subject to additional terms and conditions . Modifying this information may result in a different fare. To find the most updated fare, please visit aa.com. Additional baggage fees and charges for optional products and services may apply.

Looking for cheap international flights?

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Redeem AAdvantage miles on popular flights

*AAdvantage miles displayed have been collected within the last 24hrs and may no longer be available at time of booking. Some offers listed may include one or more connections that are Basic Economy, which class is subject to additional terms and conditions . Modifying this information may result in a different offer. To find the most updated offer, please visit aa.com. Additional baggage fees and charges for optional products and services may apply.

Popular American Airlines destinations

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Browse american airlines destinations, ​ asia-pacific, ​ the americas, ​ the middle east, offers and packages.

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*Fares displayed have been collected within the last 24hrs and may no longer be available at time of booking. Some fares listed may include one or more connections that are Basic Economy, which class is subject to additional terms and conditions. Modifying this information may result in a different fare. To find the most updated fare, please visit aa.com. Additional baggage fees and charges for optional products and services may apply.

With an expansive network of destinations, your world is a flight away

To search for a great fare, start by selecting your departure city. Looking to book using miles? Try our miles finder map .

Popular flights from American Airlines

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