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The 7+ Best Credit Cards for Booking Cruises [2023]

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Katie Seemann
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Katie Seemann

Senior Content Contributor and News Editor

Countries Visited: 28U.S. States Visited: 29

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, F...
Edited by: Jessica Merritt
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Jessica Merritt

Editor & Content Contributor

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A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little ca...
& Juan Ruiz
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Juan Ruiz

Compliance Editor & Content Contributor

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Juan has been involved in credit cards, loyalty, travel, and personal finance for more than 10 years. He has worked for several outlets including The Points Guy and Forbes and was previously Editor-in...

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Cruises can be a wonderful way to travel. They are a convenient way to see many places on a single trip and can provide good value since most of your food and entertainment are included.

We’ve previously discussed the best ways to book your cruise with points and miles, but what’s the most rewarding option when paying for your cruise with a credit card?

When you book a cruise, there are a few things you should think about: do you want to earn transferable points or cash-back, or would you prefer to earn cruise line perks like onboard credit or discounts?

In this article, you can discover the best credit cards for booking cruises, whether you want to earn points, cash-back, or get the best onboard perks. And once you’re ready to set sail, book your cruise through a website that offers great prices, bonuses, and perks.

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The 4+ Best Personal Credit Cards for Booking Cruises

Some credit cards earn bonus points on the general “travel” category, which includes cruises, while other cards earn bonus points at stores that sell cruise line gift cards. Meanwhile, some cards offer a flat rate for earning points or cash-back. All of these types of cards can be good for booking cruises.

Here’s a quick look at the best options for earning rewards on your next cruise purchase.

Card Summary

SCROLL FOR MORE
CardWelcome Bonus and Annual FeeCruise and Travel Benefits
Chase Sapphire Reserve®
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $550
  • 3x points on travel, including cruises
  • Access to Chase Offers
  • Trip interruption and cancellation insurance
American Express® Green Card
  • Earn 40,000 points after spending $3,000 within the first 6 months.
  • Annual fee of $150 (rates & fees)
  • 3x points on travel, including cruises
  • Access to Amex Offers
Blue Cash Preferred® Card from American Express
  • Earn a $250 statement credit after spending $3,000 in purchases in the first 6 months.
  • $0 intro annual fee for the first year, then $95 (rates & fees)
  • 6% cash-back at U.S. supermarkets (up to $6,000 per year)
  • Secondary car rental insurance
American Express® Gold Card
  • Earn 60,000 points when you spend $6,000 on purchases in the first 6 months.
  • Annual fee of $250 (rates & fees)
  • 4x points at U.S. supermarkets (up to $25,000 per year)
  • Baggage insurance
  • Secondary car rental insurance

1. Chase Sapphire Reserve Card — Best for Earning Points & Travel Insurance

Chase Sapphire Reserve®

Chase Sapphire Reserve®

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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.

Learn More(at Chase's secure site)

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.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000 points
$1,200
$550
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

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!

Pros

  • 10x points on car rentals, hotels, and dining booked via the Chase Ultimate Rewards portal
  • 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 via the Chase Ultimate Rewards portal
  • 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

Cons

  • $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 Ultimate Rewards®
  • $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 Ultimate Rewards® 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 Ultimate Rewards®. 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
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Reserve card is a powerhouse among travel rewards credit cards. The list of benefits it offers is long and includes perks that come in handy when traveling on a cruise, including a $300 yearly travel credit, a Priority Pass membership, primary car rental insurance, excellent travel insurance coverage, and a fee credit for TSA PreCheck, Global Entry, or NEXUS.

Plus, the Chase Sapphire Reserve card earns Chase Ultimate Rewards points. When you pay for your cruise with your Chase Sapphire Reserve card, you’ll earn 3x points. According to our points and miles valuations, Ultimate Rewards points are worth ~2 cents each, which means you’d be getting a ~6% return.

Another benefit to using a Chase credit card like the Chase Sapphire Reserve card is access to Chase Offers. You’ll often find discounts or rebates for cruises that can help you save money on your vacation.

2. Amex Green Card — Best Mid-tier Card for Travel

American Express® Green Card

American Express® Green Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.

All information about American Express® Green Card has been collected independently by Upgraded Points.

American Express® Green Card

This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.
Earn 40,000 Membership Rewards® Points after you spend $3,000 in eligible purchases on your American Express® Green Card within the first 6 months of Card Membership.
40,000 points
$880
$150
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The American Express® Green Card is an excellent all-around travel rewards card thanks to earning 3x Membership Rewards® points on eligible travel and transit purchases and at restaurants, access to American Express transfer partners, and a reasonable annual fee.

Pros

  • 3x points per $1 spent at restaurants worldwide, on all eligible travel purchases, and transit purchases
  • Up to $189 per calendar year in statement credits after you pay for a CLEAR® Plus membership with the Card.
  • Up to $100 in statement credits annually when you purchase airport lounge access through LoungeBuddy with the Card.
  • Access to American Express transfer partners
  • No foreign transaction fees

Cons

  • $150 annual fee
  • No elite benefits like airport lounge access or hotel elite status
  • Earn 40,000 Membership Rewards® Points after you spend $3,000 in eligible purchases on your American Express® Green Card within the first 6 months of Card Membership.
  • Earn 3X Membership Rewards® points on travel including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals.
  • Earn 3X Membership Rewards® Points on transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.
  • Earn 3X Membership Rewards® points on eligible purchases at restaurants worldwide, including takeout and delivery in the US.
  • $189 CLEAR Plus Credit: Receive up to $189 per calendar year in statement credits when you pay for your CLEAR Plus membership (subject to auto-renewal) with the American Express® Green Card.
  • $100 LoungeBuddy: No airport lounge membership? No problem! Purchase lounge access through the LoungeBuddy app using the American Express® Green Card and receive up to $100 in statement credits annually.
  • Payment Flexibility: When it comes to paying your bill, you have options. You can always pay in full. You also have the flexibility to carry a balance with interest or use Plan It® to split up large purchases into monthly payments with a fixed fee, up to your Pay Over Time Limit. You may be able to keep spending beyond your limit – you’ll just need to pay for any new purchases in full when your bill is due.
  • Trip Delay Insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per eligible account per 12 consecutive month period. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • No Foreign Transaction Fees: No matter where you’re traveling, when you use your American Express® Green Card there are no foreign transaction fees.
  • $150 annual fee.
  • Terms Apply.

Financial Snapshot

  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

While the Amex Green card might not be the most exciting travel rewards credit card, it’s got some great bonus categories — including travel. With this card, you’ll earn 3x points on all types of travel, including cruises.

In addition, this card earns 3x points on transit purchases, including trains and subways, and at restaurants, so it’s a great one to keep in your wallet if you want to earn lots of American Express Membership Rewards points.

Keep an eye out for Amex Offers on cruises — you can stack these rewards with other points and perks offered by your American Express card.

3. Amex Blue Cash Preferred Card — Best for Cash-Back

HIGHEST CASH BACK
Blue Cash Preferred® Card from American ExpressTerms Apply / Rates & Fees

Blue Cash Preferred® Card from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Learn More(at Amex's secure site)

Blue Cash Preferred® Card from American Express

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$250
$0 intro annual fee for the first year, then $95.
19.24%-29.99% Variable,0% on purchases for 12 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Blue Cash Preferred® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.

With bonus categories like U.S. supermarkets, select streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!

Pros

  • 6% cash-back at U.S. supermarkets (up to $6,000 per year) and on select streaming services
  • 6% cash-back on select U.S. streaming subscriptions
  • 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
  • 1% cash-back on all other purchases

Cons

  • $0 intro annual fee for the first year, then $95 annual fee (rates and fees)
  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
  • Terms Apply.

Financial Snapshot

  • APR: 19.24%-29.99% Variable,0% on purchases for 12 months
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

Rewards Center

Redeem cash-back through your American Express account

The Amex Blue Cash Preferred card offers an impressive earning rate at U.S. supermarkets, where you can purchase cruise line gift cards. With this card, you’ll earn 6% cash-back on the first $6,000 you spend at U.S. supermarkets annually. Your cash-back can be redeemed as a statement credit, which could be an excellent option to help offset the price of your cruise.

The Amex Blue Cash Preferred card also earns 6% cash-back on select U.S. streaming subscriptions, 3% cash-back on transit and at U.S. gas stations, and 1% cash-back on all other purchases. And the card offers unique benefits like a monthly Disney Bundle credit, a monthly Equinox credit, and return protection.

4. Amex Gold Card — Best for Earning Points on Gift Card Purchases at U.S. Supermarkets

BEST FOR DINING
American Express® Gold CardTerms Apply / Rates & Fees

American Express® Gold Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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!

Learn More(at Amex's secure site)

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!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$1,320
$250
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

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.

Pros

  • 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

Cons

  • 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.
  • Terms Apply.

Financial Snapshot

  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

The Amex Gold card offers excellent earning potential — 4x points — at U.S. supermarkets, which means you can use it to purchase cruise line gift cards.

This is excellent news, mainly because the cap on how much you can spend at that earning level is $25,000 per calendar year, much higher than other cards.

Aside from U.S. supermarket earnings, the Amex Gold card earns 4x points at restaurants, making this an excellent option for collecting many Membership Rewards points. There’s also a $10 monthly dining credit and a $10 monthly Uber cash credit to help offset the annual fee cost.

Hot Tip:

Be careful when using an American Express card to purchase gift cards. Each card’s terms can vary, and many state that gift card purchases don’t count toward welcome bonus minimum spending or bonus points. That said, we’ve used this card to purchase gift cards at U.S. supermarkets and still earned points, so your experience may vary. Just be aware your points might not post or could be clawed back.

Additional Personal Credit Cards for Booking Cruises

Bottom Line:

You can easily earn 2x to 3x points or miles when you pay for your cruise with the right card. Don’t forget to stack these rewards with those offered by the cruise line or an online travel agency. You can use many great websites to book your cruise that offer perks and bonuses like onboard credit or free specialty dining.

The 3+ Best Business Credit Cards for Booking Cruises

Card Summary

SCROLL FOR MORE
CardWelcome Bonus and Annual FeeCruise and Travel Benefits
Ink Business Preferred® Credit Card
  • NEW OFFER: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months.
  • Annual fee of $95
  • 3x points on travel, including cruises (up to $150,000 per year)
  • Access to Chase Offers
  • Trip interruption and cancellation insurance
The Blue Business® Plus Credit Card from American Express
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Annual fee of $0 (rates & fees)
  • 2x points on all purchases (up to $50,000 per year)
  • Car rental insurance
  • Access to Amex Offers
Capital One Spark Miles for Business
  • Earn 50,000 miles once you spend $4,500 on purchases within the first 3 months.
  • Annual fee of $0 intro for the first year, $95 after that
  • 2x miles on all purchases
  • $100 credit for Global Entry or TSA PreCheck
  • 2 free visits to Capital One Lounges

1. Ink Business Preferred Card — Best for Earning Points – Sub-$100 Annual Fee Card

NEW OFFER
Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Learn More(at Chase's secure site)

Ink Business Preferred® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel
100,000 points
$2,000
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros

  • 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
  • Cell phone protection
  • Purchase protection
  • Trip cancellation and interruption insurance
  • Rental car insurance
  • Extended warranty coverage

Cons

  • No elite travel benefits like airport lounge access
  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC

The Ink Business Preferred card is one of the best business credit cards to book a cruise.

In addition to great benefits like travel insurance and cell phone protection, the Ink Business Preferred card earns 3x points on travel, including cruises (up to $150,000 per year). Don’t forget you’ll also earn 3x points on flights to get you to your departure port, a hotel room for the night before your cruise, and even your taxi ride to the cruise port. Based on our valuations, that gives you a return of about 6% on your spending.

Like the Chase Sapphire Reserve card, these points can be used for travel in the Chase travel portal, or you can transfer them to one of the Chase airline and hotel partners.

2. Amex Blue Business Plus Card — Best for No Annual Fee & Cash-Back

The Blue Business® Plus Credit Card from American ExpressTerms Apply / Rates & Fees

The Blue Business® Plus Credit Card from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Learn More(at Amex's secure site)

The Blue Business® Plus Credit Card from American Express

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
15,000 points
$330
No annual fee
18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-840)

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros

  • 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
  • Purchase protection and extended warranty protection
  • No annual fee and employee cards at no additional cost

Cons

  • No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
  • No elite travel benefits like lounge access or elite status
  • Charges foreign transaction fees
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • No Annual Fee
  • Terms Apply

Financial Snapshot

  • APR: 18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

Rewards Center

American Express Membership Rewards

The Amex Blue Business Plus card is an excellent option for business owners who want to earn lots of Membership Rewards points and value simplicity because it earns 2x points on all purchases (up to $50,000 per year).

While this card doesn’t offer many premium benefits, it does come with some perks that will appeal to business owners, such as employee cards, the ability to connect to Quickbooks, and Vendor Pay by Bill.com. Plus, you won’t be on the hook for paying an annual fee.

3. Capital One Spark Miles Card — Best for Earning Miles

Capital One Spark Miles for Business

Capital One Spark Miles for Business

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)

Capital One Spark Miles for Business

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
50,000 miles
$900
$0 intro for the first year, $95 after that
26.24% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Capital One Spark Miles for Business is a great option for business owners looking for an uncomplicated rewards card that earns double miles on every purchase they make and offers access to transfer partners, all for a low annual fee.

 

Pros

  • Unlimited 2x miles per $1 spent on all purchases
  • 5x miles per $1 spent on hotel and rental cars purchased through Capital One Travel
  • 2 complimentary visits to a Capital One Lounge per year
  • Up to a $100 Global Entry or TSA PreCheck credit
  • Access to Capital One transfer partners
  • No foreign transaction fees
  • Free employee cards
  • Extended warranty coverage

 

Cons

  • Annual fee: $0 intro for the first year, $95 after that

 

  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
  • Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases

Financial Snapshot

  • APR: 26.24% (Variable)
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

 

The Capital One Spark Miles card is a no-nonsense business card with an earn rate of 2x miles spent. What’s great is that the 2x earnings aren’t capped, so the points can add up quickly.

This card also has benefits including a Global Entry or TSA PreCheck fee credit, $0 fraud liability on unauthorized charges, and a virtual credit card number.

Additional Business Cards for Booking Cruises

  • American Express Blue Business Cash™ Card — This card is a great option for business owners looking for cash-back instead of points. It earns 2% cash-back on all purchases up to $50,000 annually. Other benefits of the Amex Blue Business Cash card are car rental insurance, the ability to connect to Quickbooks, purchase protection, Vendor Pay by Bill.com, and extended warranty protection.
  • Capital One Spark Cash Plus Card — This card earns a flat 2% cash-back on all purchases with no limit. Additionally, this card earns 5% cash-back on hotels and rental cars booked through Capital One Travel.
Bottom Line:

There are both personal and business cards that offer 2% cash-back on purchases, so aim for at least that much cash-back on your next cruise purchase.

Cruise Line Credit Cards

We couldn’t write a post about the best credit cards to book a cruise without mentioning cruise line-specific credit cards. Unfortunately, these cards don’t offer as much value as other travel rewards credit cards unless you’re a cruise-only traveler with zero interest in earning flexible points or cash-back. Usually, a cruise line-branded credit card won’t be your best option.

So while we generally don’t recommend these cards, we wanted to mention them for those rare times when they may make sense.

  • Royal Caribbean Visa Signature® Card — This card earns 2x MyCruise points on qualifying purchases with Royal Caribbean and its sister brands Azamara Club Cruises and Celebrity Cruises. MyCruise points can be redeemed at 1 cent each for onboard credit, stateroom upgrades, and cruise discounts.
  • Princess Cruises® Rewards Visa® Card — This card earns 2x points on all Princess Cruises purchases. Each point is worth 1 cent and can be redeemed for onboard credits, amenities, cruise rewards, and discounted airfare.
  • Norwegian Cruise Line® World Mastercard® — This card earns 3x WorldPoints on Norwegian Cruise Line purchases, 2x WorldPoints on air and hotel purchases, and 1x WorldPoints on all other purchases. WorldPoints are worth 1 cent each and can be redeemed in several ways, including onboard credits, upgrades, and cruise discounts.
  • Carnival® World Mastercard® — This card earns 2x FunPoints on purchases with Carnival Cruise Lines plus any other “World’s Leading Cruise Lines” brands, including Holland America Line, Princess Cruises, Seabourn, and more. FunPoints can be redeemed as a statement credit towards any Carnival purchase, including onboard charges.
  • Celebrity Cruises Visa Signature® Card — This card earns 2x MyCruise points on qualifying purchases with Celebrity Cruises and Royal Caribbean and 1x MyCruise points on all other purchases. Points can be redeemed for stateroom upgrades, spa treatments, and shore excursions.
Bottom Line:

Cruise line credit cards don’t offer the most bang for your buck when it comes to travel rewards. For maximum travel rewards and benefits, stick to cards that earn transferrable points or cash-back.

Final Thoughts

There are so many great credit cards out there that it can sometimes be confusing to know which one is right for you. When choosing a credit card to book a cruise, consider what benefits you would like to earn — bonus points, cash-back, or cruise line perks.

Once you know what you’re after, you can narrow down your options to choose the right credit card for your vacation. Now all that’s left to do is pack your bags and set sail.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the American Express® Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Royal Caribbean Visa Signature® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Norwegian Cruise Line® World Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Carnival® World Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Celebrity Cruises Visa Signature® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Information regarding the Capital One Spark Miles for Business 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 Blue Business® Plus Credit Card from American Express, click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, click here.
For rates and fees of The American Express Blue Business Cash™ Card, click here.
For rates and fees of the American Express® Gold Card, click here.

Frequently Asked Questions

What's the best credit card for a cruise?

The best credit card for a cruise depends on what type of rewards you are looking for. Some cards earn cash-back or cruise points, but we recommend cards that earn travel rewards. The Ink Business Preferred card and Chase Sapphire Reserve card earn 3x points on cruises, so they’re great options for any cruise line.

What is the best cruise line credit card?

Cruise line credit cards tend to offer very similar earning structures and bonuses, so there’s not much difference between them. However, there are a few that stand out. The Carnival World card earns 2x points on cruises on multiple cruise lines, giving you more flexibility. The Norwegian Cruise Line card earns 3x points on Norwegian cruises, 2x points on airline and hotel purchases, and offers more flexibility when it comes to redeeming your points.

Can the Carnival World card be used anywhere?

Yes the Carnival World card can be used anywhere Mastercard is accepted. However, the points you earn on the card can only be redeemed toward Carnival cruises.

Do Carnival credit card points expire?

No the FunPoints you earn through the Carnival World card don’t expire.

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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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