Meghan Coyle

Those giant staterooms are overrated. Now, it wouldn't be a NerdWallet podcast without talking about credit cards and how those could possibly save you money on cruises or at least help you earn points for other travel.

Those giant staterooms are overrated. Now, it wouldn't be a NerdWallet podcast without talking about credit cards and how those could possibly save you money on cruises or at least help you earn points for other travel.

Those giant staterooms are overrated. Now, it wouldn't be a NerdWallet podcast without talking about credit cards and how those could possibly save you money on cruises or at least help you earn points for other travel.

I'd recommend Traveler's Book on something like the Chase Sapphire Reserve. It comes with a $300 annual travel credit, which would be automatically applied to your first qualifying travel purchase, which could be a cruise. And after that, it earns three points per dollar on travel spending, including cruises.

I'd recommend Traveler's Book on something like the Chase Sapphire Reserve. It comes with a $300 annual travel credit, which would be automatically applied to your first qualifying travel purchase, which could be a cruise. And after that, it earns three points per dollar on travel spending, including cruises.

I'd recommend Traveler's Book on something like the Chase Sapphire Reserve. It comes with a $300 annual travel credit, which would be automatically applied to your first qualifying travel purchase, which could be a cruise. And after that, it earns three points per dollar on travel spending, including cruises.

Now, that card has a $550 annual fee, so it's definitely not for everyone. That one is also best if you're trying to earn a lot of points on your cruise spending, but you might want to redeem those points for other types of travel like flights or hotel stays.

Now, that card has a $550 annual fee, so it's definitely not for everyone. That one is also best if you're trying to earn a lot of points on your cruise spending, but you might want to redeem those points for other types of travel like flights or hotel stays.

Now, that card has a $550 annual fee, so it's definitely not for everyone. That one is also best if you're trying to earn a lot of points on your cruise spending, but you might want to redeem those points for other types of travel like flights or hotel stays.

If you're trying to use your credit card points or benefits to save on cruises, I'd look for offers like those Amex offers that you can add to your card that may apply to your cruise booking.

If you're trying to use your credit card points or benefits to save on cruises, I'd look for offers like those Amex offers that you can add to your card that may apply to your cruise booking.

If you're trying to use your credit card points or benefits to save on cruises, I'd look for offers like those Amex offers that you can add to your card that may apply to your cruise booking.

It's easy to book a cruise with rewards if you have a card that earns Capital One miles, for example. There is a way to redeem your miles to cover the cost of any travel purchase made within the last 90 days, and it's at a rate of one cent per point, so better than 0.7 cents.

It's easy to book a cruise with rewards if you have a card that earns Capital One miles, for example. There is a way to redeem your miles to cover the cost of any travel purchase made within the last 90 days, and it's at a rate of one cent per point, so better than 0.7 cents.

It's easy to book a cruise with rewards if you have a card that earns Capital One miles, for example. There is a way to redeem your miles to cover the cost of any travel purchase made within the last 90 days, and it's at a rate of one cent per point, so better than 0.7 cents.

World points are worth one cent each, and you can redeem them for stateroom upgrades, travel discounts, onboard credits, last-minute cruises, car rentals, hotel stays, cashbacks. So this card is best for Norwegian cruise line fans. If you don't cruise with them, you probably won't have much to use those points on.

World points are worth one cent each, and you can redeem them for stateroom upgrades, travel discounts, onboard credits, last-minute cruises, car rentals, hotel stays, cashbacks. So this card is best for Norwegian cruise line fans. If you don't cruise with them, you probably won't have much to use those points on.

World points are worth one cent each, and you can redeem them for stateroom upgrades, travel discounts, onboard credits, last-minute cruises, car rentals, hotel stays, cashbacks. So this card is best for Norwegian cruise line fans. If you don't cruise with them, you probably won't have much to use those points on.

And just to give you an idea of the tiers, to get into that top tier with the 75% bonus, you need to have a minimum of $100,000 with the bank.

And just to give you an idea of the tiers, to get into that top tier with the 75% bonus, you need to have a minimum of $100,000 with the bank.