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How to Book Cruises With Chase Ultimate Rewards Points

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How to Book Cruises With Chase Ultimate Rewards Points

Jason StaufferHow to Book Cruises With Chase Ultimate Rewards PointsMillion Mile Secrets Team

Signing up for credit cards through partner links earns us a commission. Here’s our full Advertising Policy.

Lots of folks I talk to are interested in using miles & points for cruises, but the problem is there aren’t any useful or valuable cruise line co-branded credit cards.  But that doesn’t mean you can’t use points to book cruises.

The obvious answer is to earn rewards with a cash back credit card and pay for a cruise that way.  But you can also use flexible points, like Chase Ultimate Rewards points, to pay for your cruises!

And because I know lots of you already have a healthy stash of Ultimate Rewards points, here is a quick reminder of how simple it is to use them for your next cruise vacation.

You Can Book Just About Any Cruise With Chase Ultimate Rewards Points

How to Use Chase Ultimate Rewards Points to Pay for a Cruise

You can book your cruise through the Chase Travel Portal, but you can’t book it online.  You’ll have to find the cruise you want to take and call 866-951-6592 to book it.

It’s possible to search for cruises through Chase’s travel portal, but I’m not sure there is any advantage to doing it this way.

That’s because you’ll still need to call in and the Chase phone agent I talked to said they get their prices directly from the cruise line.  So whatever price you find online should be the price you’ll pay when booking with your Chase points, unless it’s a special promotion offered by someone other than the cruise line itself.

I Found This Cruise Listed on the Chase Travel Portal, Which Includes a $200 Credit per Stateroom

I did notice that the cruises listed on the Chase Travel Portal often have bonus credits listed.  So when you call to book, be sure to double check if there are any specials available.

The only major cruises you can’t book through Chase are cruises that visit Cuba.

Make Sure You’re Paying With the Right Chase Card!

All Chase Ultimate Rewards points are only worth 1 cent each when you redeem them for cash back.  So a $500 cruise would cost you 50,000 Chase Ultimate Rewards points ($500 cruise price/ 1 cent per point).  But when you book travel through the Chase Travel Portal you’ll get more value for your points with certain cards.

With the Ink Business Preferred℠ Credit Card or the Chase Sapphire Preferred® Card, your points are worth 1.25 cents each toward travel booked through the Chase Travel Portal.  And with the Chase Sapphire Reserve® card, your points are worth 1.5 cents each toward travel (like cruises!) booked through the portal.

You have the option of paying for only part of your cruise with Chase Ultimate Rewards points.  But you’ll need to pay the rest with a Chase credit card.

Bottom Line

Flights and hotels aren’t the only things on the menu when it comes to Big Travel with Small Money.  You can use your Chase Ultimate Rewards points to pay for cruises, too!

When you book your cruise by calling the Chase Travel Portal team, you can get more value for your Chase Ultimate Rewards points (depending on which Chase card you have).

Hope this helps!  If you’re looking for more miles or points, check out our Hot Deals page for a current list of the top credit card offers!

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Question: Cruises, already booked thru Celebrity. I put a small deposit. If I get Chase Sapphire card, how would I be able to pay the final payment and redeem thru Chase Ultimate Rewards Travel in order to get all my bonuses

Confused as to how this would work since I already booked

Thank you

Dealing with ultimate awards for a cruise is terrible, long holds waits and lack of knowledge by their associates. Do not use them unless it is your only choice

I get notices from all the airlines that offer similar cruise deals through their cruise booking services where you will earn bonus miles. (not about using miles or points to book).

But, as a veteran of many cruises, sometimes these are not the best deals. There are a number of online cruise agencies that have preferred deals with the cruise lines, and can offer additional perks that the cruise lines allow them to offer. Then, if you pay with a miles/points card you can earn bonus miles. CSR is great for this.

One thing that is somewhat different with booking cruises as opposed to airline tickets, is getting price adjustments prior to when final payment is due. Usually final payment is 90 days prior to sailing. As it gets closer to that time, prices/promotional offers can change depending on how well a particular cruise is selling. A good cruise travel agent can get you the lower fare. Sometimes it involves rebooking or giving up some previous perks, which may be worth it if the savings are more. CruiseCritic is to cruising what Flyertalk is to miles and points. A lot of useful info there.

Will the change to Expedia change this in any way? I would think that Expedia might be more adept at developing an online searching & booking process than their previous provider. Also, as to special perks, that has in the past been related to the supplier’s consortium membership, but am I right that Expedia does not belong to a consortium but develops its own, exclusive perks working directly with the cruise lines? (One caution: if booking a cruise with a combination of cash & ultimate rewards points, make sure to fully understand how any travel insurance policy (I buy mine through USAA) would handle reimbursement because as often as not they want to see one’s credit card charges and it’s not certain the points portion will be credited back to one’s ultimate rewards account, thoughts?