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Exterior aft rendering of MSC Seashore sailing
You might be able to earn points on your next cruise (Image: MSC Cruises)

How To Redeem and Earn Frequent-Flier Points On Your Next Cruise

Exterior aft rendering of MSC Seashore sailing
You might be able to earn points on your next cruise (Image: MSC Cruises)
Ramsey Qubein

Last updated
Jun 7, 2023

Read time
5 min read

Your next cruise might be closer than you think, thanks to the stash of frequent flier points and miles you have in your favorite airline or hotel loyalty account. Or, if your balance is low, taking a cruise can help replenish it with rewards for a free flight or hotel stay sooner than you think.

There are many ways that the cruise, hotel and airline world intertwine with perks to be had for all -- and it all starts with where and how you book your next cruise.

Here’s how you can benefit -- both in terms of redeeming points, and earning points, on your next cruise vacation.

Airline and Hotel Points and Reservation Platforms

An Air Canada flight travels to the United States (Photo: Aaron Saunders)
Cruises can earn you frequent flyer points - or vice-versa. (Photo: Aaron Saunders)

Several airlines partner with cruise-focused travel agencies to award frequent flyer miles based on how much you spend on a cruise (and even depending on what credit card you are using). These are generally third-party agencies that have an agreement with the airline, but that also means you can benefit from extra perks like cabin upgrades or onboard credits.

Air Canada

Through Air Canada Vacations, you can redeem Aeroplan points on a flight and cruise package made within the reservation portal to pay for part of the trip, but the redemption rate will vary by trip. Unfortunately when paying cash for a cruise, you would only earn points for the flight portion of a combined package.

American Airlines

You’ll earn one mile per dollar spent on more than a dozen cruise lines; AAdvantage co-branded credit cardholders can earn double miles per dollar spent, up to $10,000. Even better, each of those miles will count as a Loyalty Point, American’s new method of awarding elite status to customers. Yes, you could potentially earn American elite status without ever flying and only sailing the high seas thanks to its new loyalty program system that awards all spending with American partners.

Delta Air Lines

When making a cruise reservation through Delta Cruises, you can earn two SkyMiles per dollar spent. You can’t redeem miles to reduce the cost of the trip though.


TrueBlue members can earn one point per dollar spent on cruises booked through JetBlue Vacations as part of a package. Booking flights through the portal, including those for your cruise, would earn 6x points per dollar.

Marriott Bonvoy

You can earn and redeem hotel points from Marriott on a cruise starting at 3x points per dollar spent; Chase Marriott Bonvoy co-branded cardholders would earn 5x points per dollar. You can also redeem points for cruise discounts starting at 63,000 points, which will bring a savings of $250 off the price of a vacation. You can redeem as many as a million points for a $2,500+ discount. Plus, those who want to sail aboard Ritz-Carlton Yacht Club's luxurious Evrima can earn and redeem Bonvoy points for the privilege.

United Cruises

The United Cruises travel portal will let you pay entirely in miles for a cruise. Frequent United flyers, who may not be interested in hopping aboard another plane on their next vacation, may find that using miles is a fun way to get more expansive value from their loyalty. In addition to paying with miles, you can also earn up to 4x United miles for every dollar you spend on a cruise. And if you use a United co-branded credit card, you’ll earn up to 7x miles. MileagePlus Cruise Awards, which must be booked by phone, allow those with United miles to use them to pay for all or just a portion of their cruise.

World of Hyatt

World of Hyatt delivers strong perks for those traveling on a Lindblad Expeditions sailing. Like many of these other partnerships, you’ll need to book through a dedicated web page to take advantage of the benefits. You can earn 5x Hyatt points for every dollar you spend plus onboard credits, and if you have Hyatt elite status, you’ll earn even more benefits. If you want to redeem Hyatt points for a sailing, you can redeem one point for 1.6 cents.

Wyndham Hotels & Resorts

There is a special partnership between Club Wyndham and several cruise lines that gives members the chance to redeem points for a cruise discount. It’s a great way to use Plus Points for a cruise vacation instead of a Wyndham stay and save some money in the process.

Credit Card Loyalty Programs

Disney Wonder (Photo/Aaron Saunders)
Some cruise lines, like Disney, feature cobranded credit cards.(Photo/Aaron Saunders)

We recommend any credit card loyalty program that lets you earn bonus points on travel and then use those points toward free travel at a set rate (often one point equals one cent). These programs include familiar names like Membership Rewards from The Platinum Card from American Express and Ultimate Rewards from Chase Sapphire Reserve or Chase Sapphire Preferred among others.

You can book a reservation for a cruise through their own travel portal and earn bonus points or redeem points for one in the same manner. Since these credit cards use their own travel agencies, there are also negotiated benefits and onboard discounts that come with many of these reservations like a welcome bottle of Champagne, chocolate-covered strawberries or a handful of onboard credits.

American Express cardholders can take advantage of the Cruise Privileges program, which is available to those that make a reservation through American Express and pay with an Amex card. It comes with potential perks like cabin upgrades, based on availability, as well as double Membership Rewards points. While this can be tempting, it makes sense to double check if it would be wiser to charge the trip to a card that earns a greater multiple of points (for example, the 3x per dollar spent on the Chase Sapphire Reserve card for a travel purchase). As with all travel decisions, a little homework could go a long way.

If you sail regularly with one brand, these cards may make sense. Several cruise lines offer their own credit cards like the Carnival World MasterCard, Disney Cruise Line Premier Visa or Norwegian Cruise Line MasterCard. These often award bonus points for spending on the affiliated cruise line as well as other purchases. You can use points for onboard credits or cruise discounts. But, unless you are a frequent cruiser, these cards do not provide the best value on other purchases.

Without a big signup bonus, you’re still probably better off with a mainstream credit card. A credit card that offers bonus points on other categories like grocery store, gas station, travel or other everyday spending categories will give you better overall value.

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