Cruises: the guide to paying less with your points

Updated Aug 7, 2026
Cruises: The Guide to Paying Less With Your Points
To the point The complete cruise guide for Canadians: choosing your cruise, paying for it with your points, the right credit card, river cruises, and our stories.

Cruising is a category of travel all its own: everything is included, or almost, but the bill can climb quickly between the cabin fare, the flight to the port, excursions, and onboard spending. The good news is that points and the right credit cards can reduce each of these costs.

This page brings together everything we have published on cruises: how to choose yours, how to pay for it with your points, which card to use, and our cruise stories to inspire you.

Why Milesopedia

Since 2015, we have been helping Canadians travel more while paying less thanks to points and credit cards. We continuously analyze over 353 cards from 57 issuers, our comparison tool is independent, and our content is free. Our goal is simple: to help you save on every trip, cruises included.

Choosing Your Cruise

Choosing a cruise depends on your profile: family, couple, first-time cruiser, or seasoned traveller. The destination, duration, and cruise line completely change the experience and the price. A 7-night Caribbean cruise remains the most popular entry point for Canadians, but it is just one option among dozens.

If you prefer an end-to-end organized itinerary, check out our guide to Luxury Escapes tours and cruises, often listed at a fraction of the regular price.

Paying for your cruise with points

Unlike flights or hotels, few programs allow you to book a cruise directly with points. The most interesting route is through Air Canada Vacations, which now accepts Aeroplan points for cruises. Otherwise, transferable points and cards that accumulate quickly help you finance the cabin, the flight to the port, and the extras.

The best cards for a cruise

The right card works on three fronts: accumulating points to finance the trip, avoiding foreign transaction fees on onboard spending in US dollars, and offering solid travel insurance. Here are our favorite cards for a cruise.

River cruises

Less well-known than ocean cruises, river cruises are attracting a growing number of travelers looking to discover Europe along the water. The pace is slower, the ships are smaller, and each stop brings you to the heart of a city. It is an ideal formula for a first trip to Europe or a more tranquil stay.

Getting to the port and knowing where to stay

Most Caribbean cruises depart from Florida. Arriving the day before is generally wiser to avoid any flight delay, and a hotel night near the port is easily paid for with points. You save on accommodation while leaving with peace of mind.

Our cruise stories

Nothing beats real-life experiences to get a feel for it. Here are a few cruise stories from our team and our community, from the Adriatic Sea to the Red Sea, including a 17-day crossing between Dubai and Singapore.

Our plan for a lower-cost cruise

A cruise at the best cost comes down to a few habits: choose the right option for your profile, fund part of the trip with your points, use a no foreign transaction fee card for onboard spending, and book a hotel night near the port with points. Get these right and you will leave with peace of mind, with more money for excursions. We keep this page up to date to guide you.

Cruises: frequently asked questions

Come to discuss that topic in our Facebook Group!
Audrey Voisine
Audrey Voisine
Audrey, co-founder of Milesopedia, is a dedicated entrepreneur, avid traveler, and mother of two children. She shares valuable tips and recommendations for families and frequent travellers alike, helping everyone get the most from points and rewards programs. As Executive Vice President of Marketing and Communications, she is committed to guiding Milesopedia readers toward more accessible, practical, and memorable journeys.
All posts by Audrey Voisine

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