Booking a cruise is an investment, and the options — especially for first-timers — can be mind-boggling.
From where and when to book? What to bring? What activities to schedule? There are a lot of options and you'll want to avoid wasting money when planning for your first cruise.
If you’re planning your first cruise, here is a list of tips to help you get the most out of your experience and your dollar.
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.
Book directly through the cruise line
Sometimes you can get better deals or even free upgrades by directly calling the cruise line and making your booking.
Once you’ve narrowed down the geographic location and a few cruise lines that fit your style, search for the best prices online. Then call the cruise lines to see if they can offer you a lower price that keeps more money in your bank account.
Strike a connection with the agent and you may even find yourself with a free cabin upgrade.
Use a travel agent who specializes in cruises
Finding that perfect destination and cruising style can feel like a puzzle. Maybe you’re more about historical locations than beach resorts, but you wouldn’t mind a party atmosphere.
Or maybe any tropical destination will do, but you’re set on fine-dining and Broadway-level entertainment. An experienced travel agent will know which specific cruises check the boxes on your dream list.
And even though an agent might seem more expensive than shopping online on your own, if you use one of the best travel credit cards to book your trip, you’ll potentially make up some of the difference in cash back or rewards.
Get deep discounts by booking last minute
It’s possible to book a cruise directly with the company one to three days before departure and save up to 50%.
Although this works best if you live near a port city, many cruise lines also have deals with airline companies, so don’t pass up a cruise leaving from a destination that’s not close to you.
Keep an eye on your schedule and a handful of trips, be flexible with your requirements and give the cruise line a call three days or less before a cruise departure. You might be surprised at the offers that are available.
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.
Research your cruise line’s alcohol pricing
Cruise lines have vastly different alcohol policies and prices, and while purchasing an all-inclusive beverage package for the trip may seem like a stress-free option, it might not be necessary.
Some beverage prices are exorbitant while others are just slightly higher than what you would find landside.
Do a bit of research beforehand on the cruise forums and reviews, calculate how much you typically drink while on vacation, and then decide if those packages are worth it.
Research your cruise’s non-alcoholic beverage prices
Some cruise lines provide beverages such as coffee or juice but charge for sodas and bottled water. Those same cruise lines might allow each passenger to bring a 12-pack of their favorite non-alcoholic beverages onboard — or they may not.
How they handle beverages, might be one of those hidden cruise line costs you hear about.
You can avoid some extra spending if you pack a refillable water bottle — perhaps even one with a filter for shore days — and packets of flavored drink powder that you can mix in.
Pro tip: Book with the right credit card and you could earn cash back, saving even more on your trip or extra purchases.
Trending Stories
Book a shore excursion through a local tour company
While your cruise company may offer some fantastic shore excursions that would be difficult to arrange on your own, do some comparison shopping before your trip. In particular, check out the tours available with any local companies.
A quick search will show you reviews and options, and you may find a more unique, intimate, and economical experience.
For the truly adventurous, make friends with other cruise passengers and hire a local guide in-person at the port, which is usually the hub of activity. Creating your own shore excursion can help stretch your paycheck a bit further.
Rent a car and create your own tour
Renting a car in a port city is almost always easy to do. Plus it can give you some freedom and get you away from the cruise ship crowds. This is an especially great budget alternative if you’re booking one of those beach destination cruises that work with large resorts whose tour options might be expensive.
Do some research on your port city and map out locations you would like to visit. With well-known car rental companies, you can book online beforehand. Local car rental companies are typically within walking distance of the port, and often an agent can meet you right at the ship.
Pack smart and make your life easier
Typically there are no baggage limits on cruise lines. But in a tiny cabin and with a limited schedule, paring down will simplify your life and help you focus on your cruise experience.
Bring separates that are easy to mix and match instead of single outfits. Pack your bathing suit in your carry-on so you can hit the deck chairs immediately on disembarkation day, and go for shoes that can serve double-duty, like stylish orthopedic sandals or closed-toed shoes rather than flip flops and dress shoes.
Finally, don’t forget a messenger bag or backpack and portable battery charger for shore days, and never underestimate the usefulness of a rollable, washable tote bag for the beach.
Keep your cabin tidy and useful
Speaking of making your life easier, there are a handful of gadgets that will help maximize cabin space. Keep your cabin neat with a hanging, rollable toiletry bag and travel pill organizer.
Don’t worry about a converter — most cruise ships are outfitted with 120v power outlets — but outlets are usually limited, so bring along a multiport USB hub.
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).
Don’t disregard those touristy spots
We’ve all seen a thousand photos of social media influencers, perched at the top of those incredibly photogenic white-washed stairs on Santorini Island at sunset. But as much as we all want our own unique experience of a destination, you know what’s truly unforgettable?
Being at the top of Santorini, clinking wine glasses at sunset.
Sometimes those crowded tourist hot spots are on postcards and all over social media for a reason. Don’t skip out on an iconic place if it really will be a fantastic experience.
Bottom line
Although booking and going on a cruise can seem like a budgeting nightmare, there are ways to save money. For instance, you can shop ahead of time and save on trip essentials with these Amazon shopping hacks.
You can enjoy the experience while you keep more money in your bank account. Don’t let money stop you from creating your dream trip — just be smart with your spending and it can truly be a once-in-a-lifetime experience.
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.
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.
on Bank of America’s secure website
Read Card ReviewIntro 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
The Bank of America® Travel Rewards credit card is great for individuals who enjoy earning rewards and traveling.
Cardholders will enjoy the flexibility to redeem points with no blackout dates and receive a statement credit to pay for travel and dining purchases.
Earn 1.5X points on all purchases everywhere, every time.
- Apply Now
Subscribe Today
Want extra-cash moves to come right to you?
Stop browsing endlessly. Get proven ways to earn pocket money, help cover rent, and crush your debt — sent to your inbox daily.
Author Details