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Cruise Control: Does Cruise Travel Fit Into Your Credit Card Points Strategy?

Aug. 31, 2018
Reward Optimization, Travel, Travel Credit Cards, Vacations & Trip Planning
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

If you’ve ever searched for last-minute travel deals, you probably walked away convinced that seat-of-the-pants vacations are just for the wealthy. Not so.

Yes, late bookings often come at a premium. But there are deals to be had, too — especially for flexible travelers who are creative when it comes to earning and redeeming points and miles. Sometimes thinking off-season can pay off.

No one goes to the Caribbean at the peak of hurricane season. No one, that is, except cruise ships.

Unlike that Cayman Islands or Bahamas hotel you’ve been eyeing, cruise ships aren’t stuck in one place. When a tropical storm or hurricane takes aim at your vacation destination, the ships simply change their itineraries while hotels have to hunker down.

While that could mean you end up in, say, Cozumel instead of Jamaica, your worst-case scenario is that your whole vacation is spent on the ship, which is designed to deliver nonstop fun regardless of where it’s floating.

If that’s a risk you’re willing to take, you can earn extra airline miles in the process. United, American and other airlines will pay you 1 mile per dollar spent if you book your cruise with them, plus, in some cases, up to 100,000 bonus miles.

Some airlines, like United will let you book your cruise with miles, though you’ll want to make sure that’s the best value for your points. Gratuities, shore excursions and drinks add up fast, so factor those into your budget. Get familiar with the terms, conditions and promotions of your go-to travel credit card to make sure.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2020, including those best for:

Planning a trip? Check out these articles for more inspiration and advice:
I survived a cruise — and you can, too
How to snag credit card rewards flights in peak season
Hack your way home for the holidays: A guide to redeeming your credit card rewards

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