5 cards · checked October 23, 2026
Cruise line credit cards
Every US cruise line card we could verify on the issuer’s own page and that’s open to new applicants. Cruise points have no published valuations, so we use the value the issuer states (all of these say 1 point ≈ 1¢ toward a cruise or onboard credit), labelled as the issuer’s stated value.
| Card | Welcome bonus | Annual fee | On the cruise line | Other earning |
|---|---|---|---|---|
| Royal ONE Visa Signature Bank of America | 30,000 points after $1,500 in 3 months ≈ $300 at 1.0¢ | $0 | 3x with Royal Caribbean / Celebrity / Silversea | 2x groceries, gas & ev charging; 1x everything else |
| Royal ONE Plus Visa Signature Bank of America | 60,000 points after $2,500 in 3 months ≈ $600 at 1.0¢ | $99 | 4x with Royal Caribbean / Celebrity / Silversea | 2x flights, hotels, dining & takeout, groceries, gas & ev charging; 1x everything else |
| Norwegian Cruise Line World Mastercard Bank of America | 20,000 points after $1,000 in 3 months ≈ $200 at 1.0¢ | $0 | 3x with Norwegian (NCL) | 2x flights, hotels; 1x everything else |
| Princess Rewards Visa Barclays | 20,000 points after $1,000 in 3 months ≈ $200 at 1.0¢ | $0 | 2x with Princess | 1x everything else |
| Holland America Line Rewards Visa Barclays | 20,000 points after $1,000 in 3 months ≈ $200 at 1.0¢ | $0 | 2x with Holland America | 1x everything else |
≈ $ = bonus points × the issuer’s stated redemption value. Our calculator’s sample profile has $0 of cruise spend; enter yours and pick your cruise line to see what these cards earn for you. All cards: cards table filtered to cruise cards.
Which cruise cards aren’t listed, and why?
- Carnival Rewards™ Mastercard® (Barclays): Open to new applicants, but neither Barclays nor Carnival states what a Carnival Rewards point is worth, and none of our valuation sources lists one, so we can’t value it without inventing a number. The offers also differ: Barclays’ card page shows 20,000 points after $1,000; carnival.com shows a limited-time 50,000.
- Carnival World Mastercard®: Replaced by the Carnival Rewards Mastercard in September 2026 (Barclays FAQ).
- Royal Caribbean® and Celebrity Cruises® Visa Signature® cards: Replaced by the Royal ONE cards above, which cover Royal Caribbean, Celebrity and Silversea.
- Disney® Visa® cards (Chase): Disney-wide cards (parks, resorts, Disney Cruise Line and more), not cruise-line cards, so they aren’t listed here.
- Virgin Red Rewards Mastercard® (Synchrony): Earns Virgin Points across Virgin brands, including Virgin Voyages. It’s a multi-brand Virgin card rather than a cruise-line card, and we haven’t reviewed it yet.
Checked October 23, 2026. We list a card only when its bonus, fee and earning rates can be read on the issuer’s own page.