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This is probably not a card to use for everyday spending because it will take a long time to earn a substantial amount of points. Simple rewards and a well-rounded suite of travel protections make this an essential everyday card and handy travel companion. No annual fees or foreign transaction fees make it that much better. Whether you dream of sailing up a Norwegian fjord or of calling in at a faraway island port, a cruise presents an appealing vacation option. If your goal involves loading up on points and miles to redeem toward a maritime adventure or you’re looking for a card with cruise-related benefits, you’re in the right place.
Airlines
The outlier, the Disney Premier Visa card, awards two points per dollar for charges at gas stations, grocery stores and restaurants, in addition to Disney services and merchandise. At TPG, we recommend using a credit card whenever and wherever possible so you always earn rewards on your purchases. When it comes to cruises, you'll get some serious benefits by booking with a credit card. Still, there are many other credit cards that earn more bonus points when spending in specific categories, such as travel, dining, gas and groceries. This is probably not a card to use for everyday spending as it will take a long time to earn a substantial number of points. Still, there are many other credit cards that earn more bonus points on specific category spending, such as travel, dining, gas and groceries.
Get onboard credit and more when you book through the American Express Cruise Privileges Program - The Points Guy
Get onboard credit and more when you book through the American Express Cruise Privileges Program.
Posted: Sat, 19 Aug 2023 07:00:00 GMT [source]
… But you won’t want to carry a balance
In that case, a cruise credit card might suit your goals just fine. We'll explore the benefits of applying for a card with your favorite cruise line and compare that to using a more general travel rewards card. You might be surprised at which type of card actually gets you free cruises more quickly. Travelers checks and most major credit cards are accepted in the ports we visit. We recommend you carry a small amount of local currency when visiting foreign ports, although credit cards are commonly accepted in shops and restaurants.
Norwegian vs. Royal Caribbean: How They Differ - NerdWallet
Norwegian vs. Royal Caribbean: How They Differ.
Posted: Wed, 29 Nov 2023 08:00:00 GMT [source]
Norwegian Cruise Line® Credit Card Reviews
Should your concerns not be met with satisfaction you can adjust the charges. With the NCL credit card you earn WorldPoints, which are completely different from the Latitude Rewards points you can earn through Norwegian’s loyalty program. Cardholders receive some benefits under the card’s World Mastercard label. This includes a free ShopRunner membership and cell phone protection with up to $1,000 in annual coverage (up to two claims per year, for up to $600 per claim, $50 deductible) if your phone is damaged or stolen. Quickly find the perfect credit card tailored to your unique spending habits and financial needs.
Award vs. cash calculator
Redeeming for cruise discounts and onboard credit is easy with the NCL credit card, with rewards worth 1 cent per point. You can redeem just 5,000 WorldPoints for $50 onboard credit or 10,000 points for $100 off a cruise ($50 per person). The NCL credit card, issued by Bank of America, has no annual fee and typically requires a good credit score of at least 670 for approval. Fans of Norwegian appreciate the cruise line for its “freestyle cruising” aspect, especially the lack of strict dining schedules, dress codes and formal evenings. The Bank of America®-issued card offers decent rewards and is fee-friendly, so it can be a solid option for Norwegian loyalists who cruise often.
NCL cardholders earn 3 WorldPoints for every dollar spent on Norwegian purchases, 2 WorldPoints per dollar spent on eligible airline tickets and hotel purchases and 1 WorldPoint per dollar spent on all other purchases. The earning rates on the NCL credit card are slightly better than competitor cruise cards, like the Carnival World Mastercard and the Royal Caribbean Visa Signature Credit Card. NCL cardholders earn 3 WorldPoints for every dollar spent on Norwegian purchases, 2 WorldPoints per dollar spent on eligible air and hotel purchases and 1 WorldPoint per dollar spent on all other purchases. The points it earns, however, are worth 2 cents apiece according to TPG's valuations. Plus, you can earn 2 points per dollar on all travel spending (not just one cruise line) and 5 points per dollar if you purchase travel through Chase's portal. Plus, you'll earn bonus points on additional spending categories, including dining, streaming services and online grocery purchases.
On the redemption side of the ledger, you can exchange your points for free or discounted cruises, onboard credit, upgrades, onboard amenities and cruise line merchandise. Points have a value of 1 cent apiece when cashed in for most rewards. So, for example, a $100 credit toward onboard purchases can be had for 10,000 points. If those points were earned at the rate of one point per dollar in charges (as they will be in the great majority of cases) that $100 credit would amount to getting a 1 percent rebate on $10,000 in charges.
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Also be aware that the 3% foreign transaction fee can add up quickly. So if you plan to make sizable purchases at your ports of call, it may be wiser to choose a card with no foreign transaction fees. It’s easy to collect points quickly since you’ll earn at least two points on all eligible purchases. If you book travel through the Capital One Travel portal, you can earn five points per dollar on your flight purchases to get you to your departure port. If you need an overnight stay beforehand, then earn 10 points per dollar by snagging your hotel through the Capital One travel portal. The Platinum Card is destined for frequent travelers who intend to fully leverage the rich set of luxury travel benefits and Platinum Concierge service.
The 1-item upgrade you need for a better cruise ship cabin experience (it’s already in your house)
Some cash-back credit cards rebate 1 to 2 percent or more for select categories. And your reward is cash, which can be used to pay for anything, from a cruise to other travel expenses (pre-cruise air or hotel, for example) or even a new wardrobe for your upcoming sailing. Moreover, the welcome bonuses from cruise credit cards are not strong. General travel credit cards offer bonuses that are worth much more than this — sometimes providing more than $1,000 in value. Additionally, cruise credit cards usually don't offer travel protections for any problems you encounter during your trip.
The credit cards on our recommended list earn either cash back or flexible points, which can be used in multiple ways. Not only can you redeem your points or use cash back to purchase a cruise, you can use your rewards for all types of travel expenses, as well. A cruise is a significant expense, which means it's an opportunity to earn significant rewards. If you want to get the most value from your vacation purchases, here we explore the best credit cards for booking cruises and why you always want to pay for your vacation at sea with a credit card. It might seem logical that the best way to earn rewards on cruise bookings is to get a cruise line cobranded credit card. However, these generally don't offer as solid of a value as the best travel credit cards.
The innovative Bilt World Elite Mastercard® lets you earn rewards on your monthly rent with no additional fees for the transaction. The card offers elevated rewards on dining and travel purchases, including cruises. Rewards points are transferable to a number of air and hotel programs. Like our other flexible card recommendations, you can either earn points by paying for your cruise with the card or redeem points by purchasing your cruise through Bilt’s travel portal.
Earn 20,000 WorldPoints, which is good for a $200 onboard credit or discount toward a future cruise, if you spend $1,000 or more in the first 90 days the account is open. Instead, you would earn benefits on future cruises related to your particular elite tier. We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. Before submitting an application, always verify all terms and conditions with the offering institution.
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