How to Save on Booking a Cruise

Kiplinger editors have found three methods for saving money on cruises.

The deck of a cruise ship at sea.
(Image credit: Getty Images)

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Booking a cruise for a family vacation or romantic getaway? Cruises can be a great way for extended families to enjoy time together, as they offer activities for kids, adults and seniors. And if you book a cruise strategically with travel rewards credit cards or cash back cards, you can save money and get extra perks for your trip. 

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Kiplinger editors have found three methods for saving money on cruises.

1. Book a cruise with rewards credit cards

If you are a veteran cruiser, you know that booking a cruise can be a complicated ordeal, especially if you are trying to earn or redeem credit card rewards at the same time.

"The best strategy is to keep it simple and flexible," according to Ted Rossman of Rossman recommends avoiding cruise-branded credit cards, which typically deliver meager rewards and lock you into only one cruise line. Instead, he advises using a flexible travel rewards card or a cash back card.

Booking with a travel rewards credit card can help you get travel-related perks, like travel assistance and no foreign transaction fees. Here are some of Rossman's favorite travel cards for maximizing the points you earn when booking a cruise:

  • The Chase Sapphire Preferred® Card earns five points for every dollar booked through its travel portal. Instead of booking directly through the Chase travel portal, you must call a Chase cruise specialist at 1-866-331-0773. Chase works with almost every cruise line except Disney and will match the price of any package you find on a partner cruise website. Chase is offering 60,000 bonus points, worth $750 in travel when redeemed on the Chase travel portal, after spending $4,000 on purchases in the first three months.
  • The Capital One Venture Rewards Credit Card earns five miles for every dollar booked through Capital One Travel and two miles per dollar on all other purchases. New cardholders can get 75,000 bonus miles after spending $4,000 on purchases within the first three months of opening the account. You can also book a cruise without using the Capital One Travel platform and get reimbursed at the rate of one cent per mile. Need more details? Read Capital One Venture Rewards Credit Card  — $750 Bonus Offer.

If the thought of managing points or miles for booking and redeeming travel sounds like a hassle, keep it simple with one of the best cash back credit cards. One of the best options for travelers is the Wells Fargo Autograph℠ Card. Earn unlimited three points back on each dollar spent on travel, restaurants, gas and other categories, and one point back on everything else. Earn a welcome bonus of 20,000 bonus points when you spend $1,000 in purchases in the first 3 months, worth a $200 cash redemption value. There is no annual fee.

2. Use a Costco or BJ's membership

If you're a fan of the perks a Costco Membership can give you, check out the company's travel discounts. Costco cruise packages, especially those under the store's Kirkland brand, are some of the cheapest on the market. Costco also partners with Disney and other major cruise lines.
An entry-level Costco membership costs $60 per year.

BJ's Wholesale Club members receive up to a $500 BJ gift card when they book a cruise through the company's travel portal. BJ's offers discounts on major cruise lines, as well as everything you may need to get you to the departure dock, like airfare, rental cars and hotel.
The lowest membership tier costs $55 per year.

Both Costco and BJ's provide last-minute deals on cruises, some of which are incredibly cheap. For example, Costco is advertising a four-night Caribbean cruise on a Carnival ship for $585 per person, plus taxes and fees. BJ's touts a seven-day MSC cruise to the Bahamas and Florida for $419 per person. Both of these deals are for "interior" rooms with no windows or portholes, which are ideal for cruisers on a budget.

3. Use travel agents

Remember travel agents? The internet certainly decimated the industry, but it has adapted — using a travel agent to plan a trip can provide clients with real value and save on time and hassle. This is especially true when booking a cruise, which is exceptionally complicated. 

A good travel agent can help you find a great deal, understand pricing tiers and perks and help you keep track of multiple payment deadlines. And best yet, you don't pay the travel agent any direct fees – those are typically covered by cruise lines commissions.

To find a reputable agent, ask family and friends who cruise if they have any recommendations. Vet agencies by reading reviews from the Better Business Bureau, and consider looking for an accredited agent, such as through the American Society of Travel Agents’ consumer site, Travel Sense.

Other considerations

The cruise industry is not always pretty; just think of recent norovirus or COVID-19 outbreaks that put passengers at risk and ruined vacations. Cruises are also very polluting, with a typical ship having a carbon footprint of 12,000 cars

If environmental issues are important to you, look for a cruise line with a higher rating in the most recent Cruise Ship Report Card from Friends of the Earth. The top-rated lines in 2022 were Regent Seven Seas and Disney. 

For a sense of how clean and sanitary a cruise ship or cruise line is, you can conduct a search on the CDC's Advanced Cruiseship Inspection Search tool.


As an independent publication dedicated to helping you make the most of your money, the article above is our view and is not the opinion of any entity mentioned such as a card issuer, hotel, airline, etc. Similarly, the content has not been reviewed or endorsed by any of those entities. 

Ellen Kennedy
Personal Finance Editor,

Ellen writes and edits personal finance stories, especially on credit cards and related products. She also covers the nexus between sustainability and personal finance. She was a manager and sustainability analyst at Calvert Investments for 15 years, focusing on climate change and consumer staples. She served on the sustainability councils of several Fortune 500 companies and led corporate engagements. Before joining Calvert, Ellen was a program officer for Winrock International, managing loans to alternative energy projects in Latin America. She earned a master’s from the U.C. Berkeley in international relations and Latin America.