News & Trending Travel News

15 Money-Saving Secrets Cruise Lines Won't Tell You

Save even more on your next cruise with some careful planning and a few travel hacks.

people walking towards ships at St. kitts port zante cruise ship terminal
Updated Oct. 16, 2024
Fact checked

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.

Many cruise lines tout their bargains for the world to see, but there are several ways to save while booking — or even while on board — that these companies are less likely to advertise.

From booking at the right time to avoiding pricey excursions, these 15 lesser-known cruise hacks can help you save serious money on travel this year.

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

Skip the excursions

Tropical studio/Adobe  couple in snorkeling mask hold hand

Despite their advertising, many cruises are not actually “all-inclusive,” and customers will have to pay extra for things like off-ship excursions.

These extras are often seriously marked up, so before booking any excursions, research how much it would cost to do the activity yourself on a port day.

Skip the Wi-Fi

galitskaya/Adobe woman in a cruise ship  using mobile phone

Wi-Fi is another luxury that might not be included in your package — and anyone who's ever been aboard a cruise ship knows the service you pay extra for can be less than reliable anyway.

Save yourself the hassle and money and wait until you’re on land to connect.

Book during off-peak times

New Africa/Adobe woman booking tickets online indoors

Cruise lines may drop their prices at times people are less likely to travel — like right before or after the holiday season, or right as the school year kicks off for many families.

Look into booking in mid-December, early January, and the first week of September for deals you might not find otherwise.

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.

Bring your own booze

Zoriana/Adobe woman buying wine at supermarket

If you’re not planning to drink a lot on your cruise but wouldn’t mind a glass of wine or two on the balcony, skip the all-you-can-drink alcohol package and opt to bring your own instead.

Many major cruise lines ban guests from bringing most alcoholic beverages but allow one bottle of wine or champagne on board per person.

Book early

Srdjan/Adobe newlywed couple sitting at home

It’s common knowledge when booking a vacation — and that goes for flights, hotels, and cruises — that the early bird catches the worm (aka best bargains). So, if you have the chance to book far in advance and get an excellent deal, definitely consider it.

Likewise, if you’d prefer to wait until the very last minute, cruise lines will sometimes drop their prices in the weeks before a cruise sets sail if they have some open cabins.

Book your next cruise while on board

offsuperphoto/Adobe on luxury yacht

In the spirit of booking early, you may want to consider booking your next vacation while still on vacation.

Some cruise lines offer discounts for future trips to guests on board — and they may even let you change the dates and details in the future with no fee (so long as the changes were made with enough notice).

Don’t always opt for the drink/meal packages

Solarisys/Adobe luxury abstract cruise ship

Part of the allure of cruises is their all-inclusive packages, which let you eat and drink as much as you want — but crunch the numbers before you jump on a deal.

It may be cheaper to just buy a few drinks here and there than to purchase a full drink package or stick to the main dining room instead of purchasing a specialty dining package.

Drive to the port

rh2010/Adobe walking with a suitcase

If you can book a cruise that departs within driving distance from your home, you’ll save some cash driving to the port.

Paying to park over a long weekend or even for a week-long vacation is likely going to be cheaper than shelling out the cash to fly to your port city and pay for cabs.

Do not bring valuables

bondvit/Adobe earrings close up

Avoid losing money by keeping your valuables safe at home. Cruise lines do not have to report thefts unless they are more than $10,000 — so if someone snags your $1,000 purse, you may be out of luck.

It’s best to keep the highly valuable items off the cruise.

Unlock exclusive entertainment deals and VIP perks (without a credit card)

Ready to take your entertainment and travels to the next level? Experience the finer things in life with the SELECT card.

No, it's not a credit card, it’s an exclusive membership — and your passport to a world of elite benefits and unforgettable moments.

Imagine sipping complimentary cocktails in downtown Manhattan at KYU NYC or saving 20% on the best sushi in Hollywood Hills at Yamashiro.

Like to shop? Members receive VIP discounts like 15% off at Brooks Brothers, and up to 60% off at Tumi.

Enjoy special offers at luxury hotels like the Four Seasons and Omni Select. For example, you get 15% off at Hyatt Hotels worldwide.

But it’s not just about the hundreds (or thousands) you could save. There are so many features that make you feel like a VIP every day. Like SELECT’s white-glove concierge that assists with bookings, recommendations, or anything you need. And priority access to reservations to some of the year’s hottest events (many not open to the public).

Apply for the SELECT card today

Let the cruise line pick your cabin

Tamme/Adobe balcony suite cabin

If you’re not particular about where in the cruise ship you stay, consider letting the cruise line book your room for you.

This is a good option for those who plan to spend most of their trip out and about on the boat and at each destination. You can also save money by booking an interior room.

Order more when dining out

K Dorame/Adobe cruise ship buffet

If you’ve splurged on a specialty dining package that gives you access to the cruise’s on-board restaurants (beyond the main dining room), make the most of it.

Don’t be afraid to order more food and really get your money’s worth. Splurge on dessert, extra appetizers, and all the sides you want.

Check if they give free medication

eggeeggjiew/Adobe man holding medicine bottle

Before you splurge on anti-nausea medications for your cruise, know that you may be able to access things like motion sickness medications or even an injection on the cruise ship for a small fee.

Some may even offer things like Dramamine pills for free in the infirmary.

Be flexible with dates

Kirk Fisher/Adobe  cruise ship on Boka Bay

Cruise lines aren’t likely going to advertise that the exact same route is cheaper one week over another. Many factors contribute to this variety in pricing, so if you can be flexible with which dates you cruise, you could save some serious cash.

Book an older ship

biletskiyevgeniy.com/Adobe cruise ship at sunset

Massive new cruise ships with every luxury you could ever imagine often get the most attention — and you’ll be charged for that fanfare.

If you can find an older ship to book, you could get a deal, and rest assured, the cruise line is keeping the ship up to date and probably even adding new attractions regularly.

Establish loyalty on one line

Kirk Fisher/Adobe coastal view of saga cruises

This one isn’t necessarily a cruise line “secret,” but there are perks to doing all your cruising with one company.

Cruise lines often offer loyal members things like discounted rates and even free or discounted upgrades.

Bottom line

michaeljung/Adobe couple hugging at sunset

Even if a cruise package sounds like a total bargain, it’s wise to crunch the numbers and see if what’s included is worth it for you so you can avoid wasting money.

Think about how you vacation and how much time you’ll be spending off-ship before committing to an all-inclusive deal.

Easy-to-Earn Unlimited Rewards

Benefits

Card Details

  • $0 annual fee
  • Simple, flat-rate rewards
  • Flexible redemption options
  • Up to 75% preferred Rewards bonus potential
  • 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 18.74% - 28.74% 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
info
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