20 cards ranked
Best credit card to use at Celebrity Cruises.
Travel
Celebrity Cruises positions itself in the premium contemporary segment under the Royal Caribbean Group umbrella. Fares paid directly usually code as travel and earn on cards with a travel category bonus, though cruise lines can code unpredictably. To be safe, lean on a card that explicitly counts cruises as travel or a strong flat-rate everyday card.
- #1FNBO5x points on travelAirlines, hotels, car rental, cruise lines, travel agencies, transit, taxis, tolls, and timeshares by merchant category code5.0%5x points
- #24.0%4x points
- #3PenFed Credit Union4x points on travel4x with PenFed Honors Advantage (military or Access America checking); 3x otherwise4.0%4x points
- #44.0%4x points
- #54.0%4x points
- #64.0%4x points
- #7Chase3x points on travel (up to $150,000/year, then 1%)Travel, shipping, internet/cable/phone, advertising on search engines and social media (combined $150,000/yr cap)3.8%3x points
- #83%
- #9Chase3x points on travelTravel other than Air Canada direct purchases, which earn 3x under the airlines category3.0%3x points
- #103%
- #113%
- #123.0%3x points
- #133.0%3x points
- #143.0%3x points
- #153%
- #16Bank of America Cash Rewards Securedif you select itBank of America3% on travel if you select it as a bonus category (up to $2,500/quarter, then 1%)3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row3%
- #17Bank of America Customized Cash Rewardsif you select itBank of America3% on travel if you select it as a bonus category (up to $2,500/quarter, then 1%)3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row3%
- #182.5%2x points
- #19Chase5x points on travelAll other travel earns 5x through December 31, 2026, then 3x; flights booked directly and car rentals stay at 5x2.5%5x points
- #20Chase5x points on travelAll other travel earns 5x through December 31, 2026, then 3x; flights booked directly and car rentals stay at 5x2.5%5x points
Last updated October 23, 2026