Credit Cards and Cruises

Discussion in 'General Discussion | Credit Cards' started by Steven Schwartz, Jul 28, 2016.  |  Print Topic

  1. Steven Schwartz
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    Steven Schwartz Gold Member

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    Hi everyone,

    We have a long (for us) cruise next year from Buenos Aires to Santiago and as we are staying in a large suite, it will be costly. I have to pay 90 days out and want some guidance about what credit card to use for the trip.

    I know some cards offer extra points for "travel" but it seems many limit it to airfare and hotel costs. The other issue is insurance coverage. It appears the Citi Prestige card offers some of those benefits - not sure how they compare to other companies. We already have the Air Rescue Card that will get us home in case of medical emergency. Any ideas which cards are superior in the coverage category?

    Appreciate any guidance. As always, thanks!

    Steve
     
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  2. The Muskox

    The Muskox Active Member

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    Good question, Steve. I'm also buying a long cruise. Last year I bought a world cruise and used Chase Sapphire for sign up miles plus 2X for travel...but I cancelled it. Should have kept it. Now looking for a different card that will give me 2X.
     
  3. edekba

    edekba Gold Member

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    I just bought 2 Suites (4 people) for my mom and aunt to do an Alaska Cruise. Booked it via Costco Travel and used my CSP. It showed up as travel and I did get 2x on it.

    Not sure about insurance and what not tho.

    I'll send you a DM about something else.
     
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  4. Steven Schwartz
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    Steven Schwartz Gold Member

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    Spoke to Citi regarding their Prestige card. Says it gives 3x miles for travel but fine print says airfare and hotels. Called to check on cruises and they said no-go. Seems ridiculous but thought I'd let y'all know. That said, the do offer insurance of up to $5,000 per passenger. It is not cancellation for any reason but rather for sickness or death of a passenger or immediate family member. It would leave us with an uninsured exposure of about $5000 and we would take the hit if we cancelled less than 2 months before sailing. Hard to get an exact estimate of purchasing insurance as there are so very many variations but seems to range from $900 to $1400. Still deciding.
     
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  5. Wandering Aramean
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    Wandering Aramean Gold Member

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    I'd be surprised if there are many insurance options that cover you for "I decided not to go" cancellation as opposed to medical issues. The couple times I've seen such it has been prohibitively expensive.
     
  6. Steven Schwartz
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    Steven Schwartz Gold Member

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    Depends on your definition of prohibitive, Seth. Most insurances, as I stated above, go from $900-1400. When you add Cancel for Any Reason, it goes up about $400-500. You end up between 9% and 12% of the cost of the trip. Since final payment is due 120 out and you by 90 days you forfeit 100% - well, that's the issue. Imagine that you had a wonderful cruise of a lifetime from Athens to Istanbul, visiting the Greek Islands - and then the $hit hit the fan in Turkey. That is one instance where cancel for any reason would certainly come into play and in the world as it is right now, seems more and more reasonable to insure against this.
     
  7. Zomby Woof

    Zomby Woof Silver Member

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    CSP will offer up to $10K travel insurance and trip interruption. I've made a successful claim for trip interruption on a cruise due to a death in the family.
     
  8. notbgates
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    notbgates Silver Member

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    Used new Chase Sapphire RESERVE visa card for celebrity cruise payment. 3x points and up to $10,000 insurance limit. Used this 1 charge to make requirement for 100,000 bonus points (worth $1,500 for travel) AND reimbursed with the annual $300 travel credit. includes priority pass "select" (big whoop). Still, not bad for $450 annual fee.
     
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  9. Steven Schwartz
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    Steven Schwartz Gold Member

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    In the end we used the new CSR - not available when I started this thread. We have a large suite and also used it to pay for the excursions. CRAZY amount of points. Also got insurance tho only for covered reasons. Ended up using Norwegian's own insurance. Cheapest alternative but the 90% refund for a non-covered reason would only be a credit towards a future cruise. But, I reasoned, if not for health reasons, could probably be able to reschedule something. Happy how it played out.
     
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  10. notbgates
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    notbgates Silver Member

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    We're going to do this (see #8 above) again this year with WIFE'S new chase reserve card while onboard (best deals seem to be with company rep. during a cruise). Already got annual $300 reimbursement for 2017 on my card. Have yet to use priority pass in U.S. ("a $399 value!"), so may not renew (between usage and bonus points, may finesse next vacation for free, so no point). Our friends regularly check at United lounges for first-year-free Chase United CLUB CC offers, which could be a better fit than CSR @ same price point, long-term. Hope your cruise was great! :cool:
     
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  11. profpeabody

    profpeabody Silver Member

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    AmEx often offers special OBCs for cruising and pretty frequently they have card offers that are cruise related. I recently took advantage of an offer for Oceania - spend $500 get $50 statement credit. That being said, am using mostly CSR for cruise spend.
     
  12. Steven Schwartz
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    Steven Schwartz Gold Member

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    This trip was originally booked with AMEX and they were going to give me $300 total OBC. Switched to Vacationstogo.com and we got $850 which was mistakenly raised to $925!
     
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