Credit Cards and Cruises

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

  1. Steven Schwartz
    Original Member

    Steven Schwartz Gold Member

    Messages:
    1,030
    Likes Received:
    2,216
    Status Points:
    1,280
    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
     
    RedWolfTravels likes this.
  2. The Muskox

    The Muskox Active Member

    Messages:
    1
    Likes Received:
    0
    Status Points:
    70
    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

    Messages:
    3,463
    Likes Received:
    3,784
    Status Points:
    2,170
    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.
     
    RedWolfTravels and Zomby Woof like this.
  4. Steven Schwartz
    Original Member

    Steven Schwartz Gold Member

    Messages:
    1,030
    Likes Received:
    2,216
    Status Points:
    1,280
    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.
     
    RedWolfTravels likes this.
  5. Wandering Aramean
    Original Member

    Wandering Aramean Gold Member

    Messages:
    28,495
    Likes Received:
    62,392
    Status Points:
    20,030
    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
    Original Member

    Steven Schwartz Gold Member

    Messages:
    1,030
    Likes Received:
    2,216
    Status Points:
    1,280
    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

    Messages:
    341
    Likes Received:
    344
    Status Points:
    555
    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
    Original Member

    notbgates Silver Member

    Messages:
    53
    Likes Received:
    40
    Status Points:
    230
    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.
     
    iolaire likes this.
  9. Steven Schwartz
    Original Member

    Steven Schwartz Gold Member

    Messages:
    1,030
    Likes Received:
    2,216
    Status Points:
    1,280
    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.
     
    RedWolfTravels and iolaire like this.
  10. notbgates
    Original Member

    notbgates Silver Member

    Messages:
    53
    Likes Received:
    40
    Status Points:
    230
    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:
     
    RedWolfTravels likes this.
  11. profpeabody

    profpeabody Silver Member

    Messages:
    198
    Likes Received:
    359
    Status Points:
    470
    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.
     
    notbgates likes this.
  12. Steven Schwartz
    Original Member

    Steven Schwartz Gold Member

    Messages:
    1,030
    Likes Received:
    2,216
    Status Points:
    1,280
    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!
     
  13. Andrew98

    Andrew98 New Member

    Messages:
    3
    Likes Received:
    0
    Status Points:
    15
    Well, I guess you got around with that one. Chase Sapphire Reserve actually proves to be more than just a life saver. To anyone else looking for a card for travel, this post might prove helpful. Best travel cards at routingnumberusa.com
     
  14. iolaire
    Original Member

    iolaire Gold Member

    Messages:
    3,610
    Likes Received:
    5,869
    Status Points:
    4,180
    I'm also sceptical of the cc booking portals versus the large cruise agencies who build custom packages with lots of included promotions. Glad you were able to upgrade your OBC.

    We have moved to using http://www.cruisecompete.com and compare the offers we receive with the various cruise discounters.
     
  15. notbgates
    Original Member

    notbgates Silver Member

    Messages:
    53
    Likes Received:
    40
    Status Points:
    230
    Are such offers for AMEX green, platinum or any/every-thing in-between? Do the offers follow paying for a cruise with AMEX to encourage additional AMEX spending?
     
  16. Steven Schwartz
    Original Member

    Steven Schwartz Gold Member

    Messages:
    1,030
    Likes Received:
    2,216
    Status Points:
    1,280
    I think the issue to me is never just using one vendor. AMEX makes you feel that you are privileged to have their service and I'm sure they can come through sometimes. Most people who hold there cards, I would guess, drank the Kool-Aid and just book with them. It really makes sense to get other offers too and go with the best. Once you get on board, it's all the same unless someone gives you more on-board credits.

    And FWIW, when I booked the cruise that started this thread, we have the Centurion card - and they were beaten hands down by a discount cruise website!
     
    notbgates likes this.
  17. notbgates
    Original Member

    notbgates Silver Member

    Messages:
    53
    Likes Received:
    40
    Status Points:
    230
    Oh, it's worth plenty! I find it usually pays to listen to a voice of experience, to avoid the oldtoosoonsmarttoolate syndrome.
    Although the discounters frequently seem to offer good deals when timing is flexible, booking a future cruise while on one usually offers better deals, and they offer to match any future rates you find in the marketplace. The very best offers I ve seen come from the cruise lines to their past cruisers who live in the states where their ports are. Talk to THOSE folks at dinner, and you'll consider moving.
     
    Steven Schwartz likes this.

Share This Page