Insider strategies for using credit card rewards, points, and perks to dramatically reduce your cruise vacation costs.
Average Savings
$1,200+
The average GatGrid reader saves over $1,200 per cruise using these strategies
Turn credit card signup bonuses into free flights worth $500-750.
Most premium credit cards cover trip cancellation, delays, and more.
Maximize points on your cruise fare and onboard spending.
Use multiple cards to earn 200K+ points and cover your entire cruise.
Get premium lounge perks at major cruise ports with the right card.
Choose 2-3 credit cards based on your travel plans and spending habits. Look for high signup bonuses and category bonuses that match your spending.
Use your new cards for regular spending to meet the minimum spend requirement and unlock the welcome bonus (usually within 3-6 months).
Convert your earned points into airline miles, travel credits, or direct cash back to cover flights, the cruise, or both.
Ready to plan your cruise?
Once you've got your rewards plan in place, our travel advisors at Boardwalk Travel Agency can help you find the best sailing, stateroom, and timing — at no extra cost to you.
Get a Free QuoteWelcome Bonus
150,000 points
Worth ~$2250
Annual Fee
$550
Spend $4,000 in first 3 months
Key Benefits
"If you cruise annually or more, the Reserve pays for itself through lounge access and the travel credit alone. The 3x points on cruises is unmatched."
Welcome Bonus
$2,000 cash bonus
Worth ~$2000
Annual Fee
$150
Spend $30,000 in first 3 months
Key Benefits
"If your business puts $30K+ on cards each quarter, this is a powerhouse. The 2% flat on everything is simple and lucrative — no category tracking needed."
Welcome Bonus
Up to 150,000–300,000 points
Worth ~$1500
Annual Fee
$895
Spend $20,000 in first 3 months
Key Benefits
"The gold standard for luxury business travelers. Centurion Lounge access, trip delay/cancellation insurance, and 5x on flights make this a no-brainer for Disney cruisers who fly frequently. The $895 fee is offset by credits and perks for heavy users."
Tip: These are just our top three. Browse our full comparison of 8+ cards to find the best fit for your specific cruise plans and spending patterns.
The best rewards strategies require time. Apply for cards 6-12 months before your cruise to meet minimum spend requirements and strategically space out applications.
Credit card rewards only work if you pay your full balance every month. Interest charges will erase any rewards value.
Don't inflate your spending just to meet minimum requirements. Only apply for cards when the minimum spend aligns with your normal spending patterns.
Read the fine print on trip insurance, lounges, and protections. Not all benefits apply in all situations—knowing what you have saves money.
Dive into any of our five strategy guides to start building your rewards plan.