These 13 Cruise Hacks Will Change the Way You Travel

SAVING & SPENDING - TRAVEL
Don't overlook these crucial booking tips before setting sail.
Updated April 11, 2024
Fact checked
couple standing on cruise in the middle of sea while holding champagne glasses

We receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

If you want to travel more this year and you've been planning on taking a cruise for a while, the last thing you want to do is waste a second of your dream vacation.

To help you get the most out of your cruise, and avoid wasting your money, we’ve put together a list of tips to make your vacation as fun and affordable as possible.

If you’re over 50, take advantage of massive travel discounts and trip-planning resources

Over 50 and love traveling? Join AARP today — because if you’re not a member, you could be missing out on huge travel perks. When you start your membership today, you can get discounts on hotels and resorts, airfare, cruises, car rentals, and more.

How to become a member today:

  • Go here, select your free gift, and click “Join Today”
  • Create your account (important!) by answering a few simple questions
  • Start enjoying your discounts and perks!

An AARP membership not only unlocks discounts that could save you hundreds on your next trip, but you’ll also have access to deals on vacation packages, guided tours, and exclusive content to help plan your next getaway.

Important: Start your membership by creating an account here and filling in all of the information (do not skip this step!). Doing so will allow you to take up to 25% off your AARP membership, making it just $12 per year with auto-renewal.

Become an AARP member now

Find the right package

Mariakray/Adobe people walking towards ships at St. kitts port zante cruise ship terminal

Saving money on your cruise starts the moment you start planning. Instead of booking the first cruise that catches your eye, research your options and compare prices.

You could learn that the popular cruise line isn't the most affordable, or that you’re willing to pay more to reach your dream destination even though it’s pricier than you thought.

No matter what, taking the time to be extremely selective about the cruise you take will pay off in memories you know you’ll treasure.

Want to learn how to build wealth like the 1%? Sign up for Worthy to get ideas and advice delivered to your inbox.

Take advantage of travel deals

NAN/Adobe luxurious cruise ship standing at port during day time

Are you a Costco member? You might qualify for discounted fares with certain cruise lines or specific destinations.

Similarly, booking through some credit cards with travel rewards can pay off in immediate discounts or help you earn miles so you can travel more later.

Book as early as possible

ake1150/Adobe ship cruising in water at lake thun in Switzerland

Like airline flights or hotel prices, cruises tend to cost more the longer you wait to book. Once you’ve decided on the perfect cruise, go ahead and book it — a year in advance, if you can.

Don’t forget that cruises scheduled for either summertime or the holiday season fill up quickly and cost more than off-season cruises. And if you want to take a holiday cruise, book your trip ASAP.

Earn a $250 travel bonus with this incredible card

There's a credit card that's making waves with its amazing bonus and benefits. The Bank of America® Travel Rewards credit card has no annual fee and you can earn 25,000 bonus points after spending $1,000 in purchases in the first 90 days of account opening.

You can earn additional points just by using this card for your everyday purchases — unlimited 1.5 points per $1 spent on all purchases. The 25,000 bonus points can be redeemed for a $250 statement credit toward travel or dining purchases.

If you want to travel and dine out more, the Travel Rewards card can help you get where you want to go.

The best part? There's no annual fee.

Click here to apply now.

Budget for more than the cost of your ticket

Nightman1965/Adobe Stavanger, Norway, at dusk.

Like any other type of vacation, plan for more expenses than just the price of a ticket.

Cruise ships have several stores on board where you can buy everything from duty-free goods and toiletries to clothes and souvenirs.

If you plan to disembark at key destinations (and we’re guessing you do), you’ll want a spending budget for those trips as well.

Write a packing list and stick to it

Kaleb/Adobe suitcases placed at cruise ship terminal with cruise ship in background

If your typical packing style is to throw everything you think you’ll need in a bag the night before your trip, you’ll want to change your last-minute habit for your cruise.

Planning in advance ensures you’ll have all the essentials so you can spend as little as possible on items at your cruise ship’s mall, which almost always cost more than the same items on land.

Pack a separate carry-on bag

Yakobchuk OlenaAdobe young woman wearing casual clothes is posing at airport

Along with your main pieces of luggage, pack a small carry-on bag that you can walk on board with.

Include anything you want easy and immediate access to, like a week’s worth of medications (neatly organized in a pillbox), and anything you’ll need for a trip onshore, like a swimsuit.

That way, you won’t have to wait for your checked luggage to arrive in your cabin to start feeling at home on your ship.

Look for fun activities ahead of time

Jukka/Adobe Scuba diver on coral reef

You already know which ports your cruise is stopping at, so as soon as you book the cruise itself, start planning your shore excursions.

Internet access can be both pricy and slow on a cruise ship, which means doing your research ahead of time can save you money. And since ships only dock for a few hours at a time, you need to know in advance which sites you want to see.

Be sure to calculate how long it will take you to reach them and whether you can get there and back again before the ship leaves — because it isn’t going to wait around if you’re late.

Scope out your ship’s amenities and activities in advance

Solarisys/Adobe table full of delicious food in luxurious cruise ship

Along with planning your shore adventures, don’t forget to plan your oceanside adventures.

Get to know your ship’s layout, especially the location of the mall and dining areas. Read up on any activities the cruise line has planned and decide which ones you want to attend.

You’ll enjoy knowing exactly what to look forward to, and you’ll be able to plan a more accurate budget too.

Decide if you want a drink package before boarding

MISHA/Adobe couple holding champagne glasses on vacation at island

Cruise lines often offer drink packages where you can pay in advance to have nearly unlimited access to the bar.

If you’re planning on enjoying a tipsy cruise, you’ll probably save more in the long run by buying a drink package up front.

On the other hand, if you’re fine with a drink (or less) a day, you’ll save money bringing your own beverage. Just make sure to find out if your cruise line has a corkage fee and plan accordingly.

Earn cash back on everyday purchases with this rare account

Want to earn cash back on your everyday purchases without using a credit card? With the Discover®️ Cashback Debit Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month!1

With no credit check to apply and no monthly fees to worry about, you can earn nearly passive income on purchases you’re making anyway — up to an extra $360 a year!

This rare checking account has other great perks too, like access to your paycheck up to 2 days early with Early Pay, no minimum deposit or monthly balance requirements, over 60K fee-free ATMs, and the ability to add cash to your account at Walmart stores nationwide.

Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.

Apply for a Discover Cashback Checking account today

Get to the city you’re embarking from at least a day in advance

JW_PNW/Adobe cruise ship standing at alaska docks in seattle

What’s the easiest way to ruin a cruise? Failing to make it on board before the ship sets sail.

Travel slowdowns happen, from bad weather on the road to delayed flights, so you don’t want to arrive in town the day of your departure.

Even though it requires you to budget for an extra night at a hotel, you’ll save a lot of stress if you give yourself a day of leeway.

Don’t overschedule every moment

Tomasz Zajda/Adobe tourists relaxing on deck chairs in sun at cruise ship

Unstructured moments are often the ones where the most memorable experiences take place. While you’re organizing activities and planning your shore excursions, don’t forget to leave time to simply explore, lounge, and relax.

Use your cruise line’s app

Maridav/Adobe happy woman using smartphone on cruise

There’s a lot to keep track of on your cruise, from sailing times to onsite entertainment.

Instead of trying to memorize all the dates, times, rules, and regulations on your own, download your cruise line’s app so you can access crucial information on the go.

Most importantly, you can use the app on your cruise without paying for a Wi-Fi package. You can make reservations, book massages, and (depending on the app) communicate with other people in your party without wasting data or money.

Minimize your phone time

Maridav/Adobe woman wearing glasses standing on cruise ship near alaska

As we said above, cruise lines have notoriously slow, expensive internet. Taking a break from tech can help you keep more money in your bank account.

not just because you won’t have to pay for internet, but also because your phone won’t eat up your data roaming the high seas for a signal.

If you need internet access, consider paying for Wi-Fi for just a few days out of the entire trip. It’s cheaper and will also help you stay in the moment and enjoy your cruise while it lasts.

And if you plan on using your phone’s camera to document the trip, make sure to keep the phone in airplane mode.

Bottom line

michaeljung/Adobe couple talking while walking on cruise ship

Whether you’re looking for a cruise for when you retire early or you’re a seasoned cruise pro, you’re practically guaranteed to have a fantastic time on your trip if you plan ahead of time.

Following these tips will make it that much more enjoyable, and you'll be able to save some money during your vacation.

Take along a credit card that helps you earn travel rewards to maximize the benefit of the money you're spending.

Easy-to-Earn Unlimited Rewards

Benefits

Card Details

  • Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Earn 1.5 points per $1 spent on all purchases
  • Longer intro APR on qualifying purchases and balance transfers
  • No foreign transaction fees
  • Apply Now
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Bank of <span class='whitespace-nowrap'>America<sup>®</sup></span> Travel Rewards credit card
4.1
Apply Now

on Bank of America’s secure website

Read Card Review

Intro Offer

Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases

Annual Fee

$0

+

Why we like it

Want to learn how to make an extra $200?

Get proven ways to earn extra cash from your phone, computer, & more with Extra.

You will receive emails from FinanceBuzz.com. Unsubscribe at any time. Privacy Policy

  • Vetted side hustles
  • Exclusive offers to save money daily
  • Expert tips to help manage and escape debt