20 cards ranked
Best credit card to use at Royal Caribbean.
Travel
Royal Caribbean runs some of the largest cruise ships afloat, and fares booked through the line generally code as travel, earning on cards with a broad travel bonus. Cruise lines sometimes code inconsistently, so a flat-rate travel card or one that counts cruises as travel is the safe play, and onboard spending may post separately.
- #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