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Credit cards that offer rewards are certainly popular, but the type of credit card that consumers find the most popular are those that offer travel rewards. That goes for cruise rewards credit cards as well. Major banking institutions around the US offer a variety of credit cards that consumers can apply toward cruise perks, rewards, and benefits. They’re not all the same, and it pays for consumers to compare these cards to determine which are best for your desired usage, travel frequency, and of course, the lowest annual rates and fees.

Types of Cruise Rewards Credit Cards

As mentioned, numerous banks offer cruise rewards credit cards. A few of the most popular include:

Barclays Holland America Line Rewards Visa
Bank of America Norwegian Cruise Line credit card
• Royal Caribbean Visa
• Carnival World MasterCard


Benefits attached to cruise rewards credit cards depend on the bank issuing the card, as well as vendors associated with it. For example, the Bank of America Norwegian Cruise Line credit card offers a variety of perks and benefits, including 10,000 bonus World Points if you make your first purchase or transaction within the first 60 days of card membership. You can start redeeming Norwegian World Points once the balance reaches 1,000. These cruise rewards credit cards points can be used to upgrade on Norwegian Cruise lines as well as a number of travel destinations, gift certificates, car hire services, and at retail stores.

The Barclays Holland America Line Rewards Visa card also offers a variety of perks for those who take domestic as well as international cruises. For every dollar spent on Holland America travel, consumers earn two points, with 5,000 initial points awarded when you use your card the first time within 30 days of card membership.

Benefits associated with the Norwegian Cruise Line MasterCard also include state room upgrades, cruise deals, and onboard credits. The Carnival World MasterCard offers not only bonus points and Fun points, but can be used on other cruise lines including Princess and Cunard cruise lines.

Annual Rates and Fees

Annual rates and fees of cruise rewards credit cards differ, depending on the issuer. For example, the Barclays Holland America Line Visa card comes with an initial 0% APR introductory rate for the first 12 billing cycles, but after that, APR averages 13.99% to 20.99%. The Bank of America Norwegian Cruise Line credit card comes with an APR averaging 12.99% 22.99%, depending on your credit history and creditworthiness.

Other rates and fees may apply for cruise rewards credit cards, including balance transfer and late payment fees, but again, compare cruise rewards credit cards and read the fine print for the most popular, and again based on your credit limit, expected uses, and rewards goals. The Royal Caribbean Visa card averages 12.99% and 20.99%, while the Carnival World MasterCard averages 11.24%, 13.24%, or 17.24%, depending on the type of card and credit limit evening Giffen, coupled with your credit history and perceived credit worthiness.

Annual Fees

Always check to compare annual fees charged by cruise rewards credit cards. For example, the Bank of America Norwegian Cruise Line credit card does not charge an annual membership fee nor does the Barclays Holland America Line Rewards card.

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