How to Save on Booking a Cruise
Kiplinger editors have found three methods for saving money on cruises.

We may get compensation if you visit partner links on our site. We may not cover every available offer. Our relationship with advertisers may impact how an offer is presented on our website. However, our selection of products is made independently of our relationship to advertisers. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
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.
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.
Kiplinger editors have found three methods for saving money on cruises.

Sign up for Kiplinger’s Free E-Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
1. Book a cruise with rewards credit cards
If you're a veteran cruiser, you know that booking a cruise can be complicated, especially if you're trying to earn or redeem credit card rewards at the same time.
"The best strategy is to keep it simple and flexible," says Ted Rossman of Creditcards.com. Rossman recommends avoiding cruise-branded credit cards, which typically deliver meager rewards and lock you into 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, such as 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 offers 60,000 bonus points after customers spend $4,000 on purchases in the first three months. The annual fee is $95, and interest rates are 20.49% to 27.49% variable APR. The card also offers complimentary access to DashPass, which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- 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 enjoy a one-time bonus of 75,000 miles once they spend $4,000 on purchases within three months from account opening, equal to $750 in travel. 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 — $1,250 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 Citi Double Cash® Credit Card. This no-fee card offers a nice sign-up bonus: Earn $200 cash back if you spend $1,500 on purchases in the first six months.
Earn 5% total cash back on hotel and car rentals booked on the Citi Travel℠. Get a total of 2% cash back on everything you buy: 1% when you make a purchase and an additional 1% when you pay the bill. Rewards are tracked as Citi ThankYou points, which you can exchange at a rate of 1 cent apiece for a statement credit, direct deposit into your bank account or a check. Rates are 18.24% to 28.24% variable APR.
Pack your bags and earn rewards. Kiplinger chose the best travel rewards cards for airline, hotel and other perks to help you save money. Explore the top travel card picks, powered by Bankrate. Advertising disclosure.
2. Use a Costco or BJ's membership
Costco
If you're a fan of the perks a Costco Membership can offer, 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 $65 per year.
BJ's
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 might need to get to the departure dock, such as airfare, rental cars and hotels.
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 five-night cruise on a Norwegian Cruise Line ship to Cabo and Ensenada, Mexico for $349 per person, plus taxes and fees.
BJ's touts a four-day Carnival Cruise to the Bahamas and Florida starting at $233 per person.
Both these deals are for "interior" rooms with no windows or portholes, which can be acceptable to cruisers on a budget.
3. Use travel agents
Remember travel agents? The internet decimated the industry with such sites as Expedia, 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 keep track of multiple payment deadlines. 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 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.
Faye Insurance offers travel insurance with 100% digital claims and real-time support.
Explore plans at www.withfaye.com.
Other considerations
The cruise industry is not always pretty — think of how often norovirus outbreaks put passengers at risk and ruined vacations in the past few years.
Cruises are also very polluting, with a typical ship having a carbon footprint of 12,000 cars. Surprisingly, cruise ships emit more carbon dioxide per passenger than airplanes, and they discharge billions of gallons of toxic waste into the ocean.
If environmental issues are important to you, look for a cruise line with solid policies and practices.
For a sense of how clean and sanitary a cruise ship or cruise line is, search the Center for Disease Control and Prevention's (CDC) 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.
Read More
Get Kiplinger Today newsletter — free
Profit and prosper with the best of Kiplinger's advice on investing, taxes, retirement, personal finance and much more. Delivered daily. Enter your email in the box and click Sign Me Up.

Ellen writes and edits retirement stories. She joined Kiplinger in 2021 as an investment and personal finance writer, focusing on retirement, credit cards and related topics. She worked in the mutual fund industry for 15 years as a manager and sustainability analyst at Calvert Investments. She earned a master’s from U.C. Berkeley in international relations and Latin America and a B.A. from Haverford College.
-
Ten Cheapest Places to Live in Texas
Property Tax Looking for a cheap place to live in Texas? Look no further. These counties have the lowest property tax bills in the Lone Star State.
-
AI Is Missing the Wisdom of Older Adults: What It Means for You
AI will increasingly affect your healthcare and finances, but young workers are primarily designing the systems and getting most of the jobs.
-
The Three C's to Financial Success: A Financial Planner's Guide to Build Wealth
Consistency, commitment and confidence in your chosen strategy are more critical to your financial success than finding the 'perfect' financial plan.
-
Baby Boomers vs Gen X: Who Spends More?
Baby Boomers and Gen X are guilty of spending a lot of money. Here's a look at where their money goes.
-
A Financial Expert's Tips for Lending Money to Family and Friends
What starts as a lifeline can turn into a minefield if the borrower ghosts the lender. Following these three steps can help you avoid family feuds over funds.
-
The 401(k) Mistake That Could Cost You Millions in Retirement Savings
Thinking about reducing your 401(K) contributions in the current market? Here are six reasons why you may want to reconsider.
-
I'm an Insurance Expert: Yes, You Need Life Insurance Even if the Kids Are Grown and the House Is Paid Off
Life insurance isn't about you. It's about providing for loved ones and covering expenses after you're gone. Here are five key reasons to have it.
-
7 Rules Frequent Flyers Swear By
From dodging long lines to avoiding bad coffee, these clever travel rules can help you save time, stay healthy and reduce stress every time you fly.
-
My Professional Advice: When It Comes to Money, You Do You
This is how embracing the 'letting others be' and 'learning to surrender' mindsets can improve your relationship with money.
-
Five Smart Moves for Retirement Healthcare: From HSAs to Medigap Policies
Unchecked health care costs in retirement could blow a hole in your savings. Here’s how to avoid that.