The Best Ways To Book a Cruise Using Points and Miles [2026]

Key Takeaways

• No programs offer a cruise line as a transfer partner, but you can still use your points to book a cruise.
• Many credit card points programs, including American Express Membership Rewards, Chase Ultimate Rewards, and Marriott Bonvoy Points, can be used to book cruises through their travel portals.
• There are co-branded cruise line credit cards such as Carnival^® World Mastercard^® and Royal Caribbean Visa Signature^® Card, but they often don’t offer the best value.

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.

The key is knowing which type of points you need and how to use them wisely.

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)

Terms Apply / Rates & Fees

Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

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.

Welcome Offer

You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted. 

As High As 175,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $3,850

Annual Fee

$895

APR

See Pay Over Time APR

Credit Recommended

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 card application.

Good to Excellent

Why We Like This Card

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.

 

Pros & Cons

Pros

• The best airport lounge access out of any card (by far) — enjoy access to over 1,550 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), 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 and Uber One, Resy, Saks Fifth Avenue credit, lululemon 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 and Amex International Airline Program
• Access to Amex transfer partners
• No foreign transaction fees (rates and fees)

 

Cons

• $895 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

 

Read Full Review

Card Highlights

• You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Get more for your travels with 5X Membership Rewards^® points on all flights and prepaid hotel bookings through American Express Travel^®, including Fine Hotels + Resorts^® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel^® on up to $500,000 on these purchases per calendar year.
• With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection^®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club^® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges.* As of 07/2025.
• $200 Uber Cash + $120 Uber One Credit: With the Platinum Card^® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card^® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card^® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
• $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card^® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
• $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection* bookings through American Express Travel^® using the Platinum Card^®. *The Hotel Collection requires a minimum two-night stay.
• $400 Resy Credit + Platinum Nights by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card^® to make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card^®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.
• $209 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card^®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card^® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts^® through American Express Travel^®, enjoy noon check-in, when available, and guaranteed 4PM check-out.
• $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card^® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
• $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card^®.* Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
• Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• $895 annual fee.
• Terms Apply.

Financial Snapshot

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

Rewards Center

American Express Membership Rewards

 

NEW OFFER

Terms 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 ins and outs 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!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

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!

Welcome Offer

You may be eligible for as high as 100,000 Membership Rewards^® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 100,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $2,200

Annual Fee

$325

APR

See Pay Over Time APR

Credit Recommended

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 card application.

Good to Excellent

Why We Like This Card

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

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, 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 & Cons

Pros

• 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
• 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
• 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com

Cons

• $325 annual fee (rates and fees)
• No lounge access

Read Full Review

Card Highlights

• You may be eligible for as high as 100,000 Membership Rewards^® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Earn 4X Membership Rewards^® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards^® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards^® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards^® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards^® point per dollar spent on all other eligible purchases.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards^® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
• $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express^® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express^® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
• $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. 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, and Five Guys. Enrollment required.
• Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Terms Apply.

Financial Snapshot

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

Rewards Center

American Express Membership Rewards

If you’re a business owner, see our article on the best American Express business cards.

How To Book a Cruise With American Express Membership Rewards Points

1. To book a cruise using your Membership Rewards Points, just search for your cruise on AmexTravel.com as you normally would.
2. After you select the cruise you want to book, you’ll see the cruise summary page. Click on the small calculator underneath your fare summary.
   

Next, you’ll see a pop-up where you can select how much of your cruise you want to pay for in points. You can pay for the entire cruise if you have enough points or just a portion of the cruise.

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.

Amex Cruise Privileges Program

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.

Cruise Privileges for Amex Platinum Card Members

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.

Capital One Credit Cards

One of the easiest and best ways to use points to pay for your cruise is by using a credit card that earns 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*×Information collected independently. Not reviewed by Capital One..

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

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

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.

Welcome Offer

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.

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$395

APR

Purchases: 19.49% - 28.49% (Variable)

Credit Recommended

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 card application.

Excellent

Why We Like This 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.

 

Pros & Cons

Pros

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases

Cons

• $395 annual fee
• 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

Read Full Review

Card Highlights

• 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 and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
• 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
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Top rated mobile app

Financial Snapshot

• APR: Purchases: 19.49% - 28.49% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

LIMITED-TIME OFFER

Capital One Venture Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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.

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

Capital One Venture Rewards Credit Card

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

Welcome Offer

Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel.

75k miles + $250 Capital One Travel credit

UP's Offer Valuation*:

$1,600

Annual Fee

$95

APR

Purchases: 19.49% - 28.49% (Variable)

Credit Recommended

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 card application.

Good to Excellent Credit

Why We Like This 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.

Pros & Cons

Pros

• 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases
• Up to a $120 Global Entry or TSA PreCheck application fee credit

Cons

• $95 annual fee
• Limited elite benefits

Read Full Review

Card Highlights

• LIMITED-TIME OFFER: Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs
• Top rated mobile app

Financial Snapshot

• APR: Purchases: 19.49% - 28.49% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

Capital One VentureOne Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 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.

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.

Welcome Offer

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.

20,000 miles

UP's Offer Valuation*:

$200

Annual Fee

$0

APR

Purchases: 0% intro APR on purchases for 15 months; variable 18.49% - 28.49% thereafter

Credit Recommended

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 card application.

Good to Excellent (670-850)

Why We Like This Card

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?

Pros & Cons

Pros

• No annual fee
• No foreign transaction fees
• Ability to use transfer partners

Cons

• Weak earn rate at 1.25x miles per $1 spent on all purchases
• No luxury travel or elite benefits

Read Full Review

Card Highlights

• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• $0 annual fee and no foreign transaction fees
• Earn unlimited 1.25X miles on every purchase, every day
• Miles won’t expire for the life of the account and there’s no limit to how many you can earn
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 18.49% – 28.49% variable APR after that; balance transfer fee applies
• Top rated mobile app

Financial Snapshot

• APR: Purchases: 0% intro APR on purchases for 15 months; variable 18.49% - 28.49% thereafter
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

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 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 and, with three of the cards, what type of booking you are making. 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

NEW OFFER

Terms Apply / Rates & Fees

Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)

Chase Sapphire Preferred^® Card

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

Welcome Offer

Earn 60,000 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

60,000 75,000 points

UP's Offer Valuation*:

$1,500

Annual Fee

$95

APR

19.24% - 27.49% Variable

Credit Recommended

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 card application.

Good to Excellent

Why We Like This Card

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.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

• Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• 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
• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
• 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Member FDIC

Financial Snapshot

• APR: 19.24% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

NEW OFFER

Terms Apply / Rates & Fees

Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)

Chase Sapphire Reserve^®

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

Welcome Offer

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

125,000 points

UP's Offer Valuation*:

$2,500

Annual Fee

$795

APR

19.49% - 27.99% Variable

Credit Recommended

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 card application.

Excellent

Why We Like This Card

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

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

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

• 8x points on all Chase Travel purchases
• 5x points on Lyft rides
• 4x points on flights and hotels booked directly

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
• Get more than $2,700 in annual value with Sapphire Reserve.
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
• Member FDIC

Financial Snapshot

• APR: 19.49% - 27.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

How To Book a Cruise With Chase Ultimate Rewards Points

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 is 1 cent per point.

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:

Carnival^® World Mastercard^®

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.

Royal Caribbean Visa Signature^® Card

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.

Princess Cruises^® Rewards Visa^® Card

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.

Norwegian Cruise Line^® World Mastercard^®

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.

Celebrity Cruises Visa Signature^® Card

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.

Disney^® Inspire Visa^® Card

While the Disney Inspire card isn’t specifically a cruise card, the Disney Rewards Dollars you earn can be applied to Disney cruises. You can also earn 200 Disney Rewards Dollars when you spend at least $2,000 each year at U.S. Disney resorts and Disney cruises, which you could use toward a future Disney cruise, theme park visit, and more.

The Disney Inspire card comes with a great welcome bonus and even offers bonus categories for Disney Rewards Dollars and additional benefits when taking a Disney cruise:

• Earn 10% in Disney Rewards Dollars on Disney+, Hulu, and ESPN+ purchases, and receive an up to $10 statement credit monthly toward these subscriptions (yearly activation required)
• Earn 3% in Disney Rewards Dollars from purchases at gas stations and most U.S. Disney locations
• Earn 2% in Disney Rewards Dollars from purchases at grocery stores and restaurants
• Earn 1% in Disney Rewards Dollars on all other purchases
• Get 10% off a regular price digital photo package and 20% off a regular price massage or facial treatment on Disney Cruise Line

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

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Marriott Bonvoy Bold^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.

Apply Now(at Chase's secure site)

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.

Welcome Offer

Earn 2 Free Night Awards after spending $1,000 on eligible purchases within 3 months of account opening with the Marriott Bonvoy Bold^® Credit Card. Redeem your Free Night Awards for a one-night stay at properties with a redemption level up to 50,000 points per night, a total value of 100,000 points. Certain hotels have resort fees.

2 Free Night Awards

UP's Offer Valuation*:

$700

Annual Fee

$0

APR

19.24% - 27.74% Variable

Credit Recommended

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 card application.

Good to Excellent

Why We Like This Card

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.

Pros & Cons

Pros

• Up to 14x points per $1 at Marriott properties
• 2x points at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services
• 5 Elite Night Credits each year

Cons

• Lower point earning rate than other Marriott Bonvoy cards
• Marriott Bonvoy Silver Elite status is the lowest status tier

Read Full Review

Card Highlights

• Limited-time offer! Earn 2 Free Night Awards after qualifying purchases.
• 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.
• Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.
• 1X point for every $1 spent on all other purchases.
• Travel now, pay later - Break up purchases into equal monthly payments with no interest plus no plan fees on qualifying travel purchases. Terms apply.
• Pay Yourself Back^® - Redeem Marriott Bonvoy^® points for a statement credit to cover qualifying travel purchases made directly with airlines or at hotels participating in Marriott Bonvoy, up to $750 total in redemptions per year.
• Member FDIC

Financial Snapshot

• APR: 19.24% - 27.74% Variable
• Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Marriott Bonvoy Boundless^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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.

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.

Apply Now(at Chase's secure site)

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.

Welcome Offer

Earn 5 Free Night Awards after spending $3,000 on eligible purchases within 3 months of account opening with the Marriott Bonvoy Boundless^® Credit Card. Redeem your Free Night Awards for a one-night stay at properties with a redemption level up to 50,000 points per night, a total value of 250,000 points. Certain hotels have resort fees.

Earn 5 Free Night Awards

UP's Offer Valuation*:

Up to $1,750

Annual Fee

$95

APR

19.24% - 27.74% Variable

Credit Recommended

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 card application.

Good to Excellent

Why We Like This Card

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.

Pros & Cons

Pros

• 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

Cons

• $95 annual fee
• Marriott Silver Elite Status is the lowest status tier

Read Full Review

Card Highlights

• Our best offer is back and better than ever! Earn 5 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
• 2026 Exclusive Offer: Get up to $100 in statement credits after spending $500 on eligible airline purchases. That's up to $50 in statement credits semi-annually.
• Earn 3X points per $1 on the first $6,000 spent in combined purchases annually 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.
• Member FDIC

Financial Snapshot

• APR: 19.24% - 27.74% Variable
• Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

Terms Apply / Rates & Fees

Marriott Bonvoy Bevy^® American Express^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 Marriott Bonvoy Bevy card gives you automatic Marriott elite status and helps you earn more Marriott Bonvoy points on your everyday purchases.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

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.

Welcome Offer

Earn 85,000 Marriott Bonvoy^® bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.

85,000 points

UP's Offer Valuation*:

Up to $595

Annual Fee

$250

APR

19.49%-28.49% Variable

Credit Recommended

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 card application.

Good to Excellent

Why We Like This Card

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.

Pros & Cons

Pros

• 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

Cons

• $250 annual fee (rates & fees)
• Free Night Award certificate is not an automatic benefit

Read Full Review

Card Highlights

• Earn 85,000 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^®.
• Earn up to 18.5X Marriott Bonvoy^® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Bevy^® American Express^® Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 2.5X points from Marriott Bonvoy with the 25% Bonus Points on Stays, a benefit available with your complimentary Gold Elite status.
• With complimentary Marriott Bonvoy^® Gold Elite Status, earn up to 2.5X points from Marriott Bonvoy^® on eligible hotel purchases with the 25% Bonus Points on stays benefit.
• Marriott Bonvoy Bevy^® Free Night Award: Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy^® American Express^® Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy^® points) at a participating hotel. Certain hotels have resort fees.
• 15 Elite Night Credits: Each calendar year, receive 15 Elite Night Credits towards 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.
• Booking the trip is easy. Avoiding delays is next to impossible. 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 Card per 12 consecutive month period. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• Plan It^® is a payment option that lets you split up large purchases into monthly installments with a fixed fee. A fixed monthly fee is shown upfront so you'll know exactly how much you’ll pay. Plus, you'll still earn rewards for the purchases you plan the way you usually do.
• $250 Annual Fee.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 19.49%-28.49% Variable
• Foreign Transaction Fees: None

Terms Apply / Rates & Fees

Marriott Bonvoy Brilliant^® American Express^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 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.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

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.

Welcome Offer

Earn 100,000 Marriott Bonvoy^® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

100,000 points

UP's Offer Valuation*:

Up to $700

Annual Fee

$650

APR

19.49%-28.49% Variable

Credit Recommended

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 card application.

Good to Excellent

Why We Like This Card

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?

Pros & Cons

Pros

• 6x points per $1 at hotels participating in Marriott Bonvoy program
• 3x points per $1 on flights booked directly with airlines and restaurants worldwide
• 2x points per $1 on all other purchases

Cons

• Steep annual fee of $650 (rates & fees)
• 6x points per $1 is the same earn rate offered with lower annual fee alternatives like the Marriott Bonvoy Bevy^® American Express^® Card

Read Full Review

Card Highlights

• Earn 100,000 Marriott Bonvoy^® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
• Earn 6X Marriott Bonvoy^® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
• Earn 3X points at restaurants worldwide and on flights booked directly with airlines.
• Earn 2X points on all other eligible purchases.
• Earn up to 21X Marriott Bonvoy^® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Brilliant^® American Express^® Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 5X points from Marriott Bonvoy with the 50% Bonus Points on Stays, a benefit available with your complimentary Platinum Elite status.
• $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.
• A Marriott Bonvoy^® Platinum Elite member will earn 50% more points on eligible purchases at hotels participating in Marriott Bonvoy for each U.S. dollar or the currency equivalent that is incurred and paid for by the member.
• 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^®, such as Le Metropolitan, a Tribute Portfolio Hotel in Paris. 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 Brilliant 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 ($120) 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.
• With your Marriott Bonvoy Brilliant^® American Express^® Card, you can enroll in Priority Pass™ Select, with an unlimited number of visits to over 1,200 airport 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.
• Trip Cancelled or Interrupted? If you purchase a round-trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, we may be able to help. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• No Foreign Transaction Fees on international purchases.
• $650 Annual Fee.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 19.49%-28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

How To Book a Cruise Using Marriott Bonvoy Points

1. To book a cruise using Marriott Bonvoy points, first head to the Marriott Bonvoy cruise portal. You can also go to Marriott.com and click on About Marriott Bonvoy > How to Use Points/Certificates > Use Points/Certificates > Travel > Get On Board.
   

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.

How To Book a Cruise With United MileagePlus Miles

1. Visit United Cruises to get started or go to United.com and click on MileagePlus > Use Miles > Cruise Awards.
2. Search for a cruise as you would on any other online travel agency.
3. You’ll see that the prices will be listed in United miles instead of dollars. The price will be shown in total and per night just as it would if it were listed in dollars.
   

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

During checkout, you’ll be able to see the price breakdown in miles just as you would with dollars. The taxes and fees will be charged in miles, too.

Once you get to the payment screen, you’ll be able to select exactly how many points you’d like to use. You can pay for all of your cruise (if you have enough miles) or part of your cruise with your United miles. You can only make your initial payment with miles, so if you want to use miles for your entire cruise, you’ll need to pay in full at the time of booking.

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.

MGM Rewards Benefit

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

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.

Chase Offers

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!

Earn Tons of Points When Booking a Cruise

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.

Final Thoughts

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.