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.
- #1PenFed Credit Union4x points on travel4x with PenFed Honors Advantage (military or Access America checking); 3x otherwise4.0%4x points
- #24.0%4x points
- #34.0%4x points
- #44.0%4x points
- #5Chase3x 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
- #63%
- #7Bank 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%
- #8Bank 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%
- #93%
- #103%
- #11Navy Federal3x points on travelIncludes airlines, hotels, car rentals, ride-sharing, parking, tolls, museums, amusement parks, and golf courses3.0%3x points
- #123.0%3x points
- #13Venmo Credit Cardif it’s your top categorySynchrony3% on travel if it's your top eligible spend category that cycleAutomatically on your highest-spend eligible category each statement period (8 eligible: transportation, travel, groceries, entertainment, dining & nightlife, bills & utilities, health & beauty, gas). Drugstores here represents health & beauty; bills & utilities maps to utilities.3%
- #143.0%3x points
- #153.0%3x points
- #163%
- #172.5%2x points
- #182.5%5x points
- #19Chase5x points on travelTravel, gas stations, select advertising, and restaurants2.5%5x points
- #202.4%2x points
Last updated August 10, 2026