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How to Book a Cruise Using Chase Ultimate Rewards Points

January 16, 2018 by Lance Cothern 4 Comments  Richmond Savers has partnered with CardRatings for our coverage of credit card products. Richmond Savers and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Disclosures.

Cruise ShipMy wife and I love cruising and credit card rewards, so it would only make sense that we’d try to figure out how to combine the two to save money on our next cruise. In the past, we’ve simply redeemed points or miles from cards like the Capital One Venture Rewards Credit Card.

However, it has recently been brought to my attention that I could be saving even more money by using Chase Ultimate Rewards points to book my next cruise. Note: there are a handful of Chase cards that earn Ultimate Rewards, but two of the best are the Chase Sapphire Reserve and the Chase Sapphire Preferred. You’re going to want to have one of these cards in your arsenal, though the points can be supplemented with other Ultimate Rewards that you earn on other Chase cards.

Once you have a nice stash of Ultimate Rewards, you can put them toward your cruise. Here’s how it works, how much you could save and what you need to watch out for.

Why You May Want to Use Chase Ultimate Rewards to Book Your Next Cruise

If you have a premium Chase credit card, such as the Chase Sapphire Reserve or Chase Sapphire Preferred, booking a cruise using Chase Ultimate Rewards points could save you a big chunk of change. Most cruises easily cost north of $1,000 and sometimes even north of $10,000. Booking using one of the methods below will give you a 1.5 cent per point value if you have the Chase Sapphire Reserve card or a 1.25 cent per point value if you have the Chase Sapphire Preferred. That’s a pretty good discount off of a multi-thousand dollar cruise.

At those redemption rates, you would only need 80,000 points to have $1,000 worth of redemptions with the Chase Sapphire Preferred. So in other words, a $1,000 cruise would be essentially free when booked this way.

Even if you’re short on points, Chase allows you to pay for part of your cruise with points and the balance with your Chase card, giving you a ton of flexibility here.

Booking a Cruise Through the Online Chase Ultimate Rewards Portal

Booking a cruise online through the Chase Ultimate Rewards portal may not seem like it is possible, but it is. You just have to do some digging to find where the cruises are listed. After logging in to your Chase account, click over to the Ultimate Rewards section of their website. Under the Use Points menu, click Explore & Book Travel.

Chase Ultimate Rewards Menu

Next, you’ll want to click on the Explore tab.

Ultimate Rewards Explore Menu

Finally, scroll down and click on the Cruises option.

Once you’re on the cruises page, you’ll notice something that’s a bit disappointing. Chase has a VERY limited selection of cruises to choose from. When I logged in, I only saw eight options ranging from seven to 16 nights on four different cruise lines. If you’ve ever booked a cruise before, you know you have hundreds of cruise options. Thankfully, there’s another way to book cruises using your Chase Ultimate Rewards points.

Calling Chase to Book a Cruise

You aren’t limited to the short list of options available online through Chase Ultimate Rewards. Instead, you can call 1-866-951-6592 to speak with a representative that will help you book the cruise of your dreams. Cruise advisors are available Monday through Friday 9 am to 9 pm and Saturday 9 am to 5 pm. All times are Eastern.

It appears you can book almost any cruise by calling in, but it helps to know what you want ahead of time. Make sure you know the cruise line, cruise ship and sail date at a minimum when calling to make life easier for yourself.

From what I’ve read, you’ll essentially be talking to a travel agent Chase has contracted to book your cruise. As with any service, your agent may know a great deal or may know next to nothing. You may want to search the internet for a great agent or try your luck by calling back a couple times if you don’t get a good agent the first time. You’ll still get the enhanced Ultimate Rewards point values using this service.

Ultimate Rewards Points May Be More Valuable Elsewhere

Of course, using Ultimate Rewards points to pay for your cruise may not give you the optimal value for your points. With Chase’s long list of points transfer partners, you may very well be able to find higher redemption rates elsewhere. That said, if you’re dead set on booking a cruise, you’re still getting a decent value for your points if you have a card that gives you a higher redemption rate.

Booking Directly Through the Cruise Line May Be More Beneficial

You may want to be careful booking through Chase Ultimate Rewards portal for other reasons, too. Sometimes, booking directly through a cruise line gives you the most flexibility.

I’ve seen that booking directly with Carnival often makes life easier if you have to make changes at a later date or have a special request you’d like taken care of. Travel agents aren’t always able to get the same information a Carnival employee can, and if you don’t book through Carnival they won’t access your booking and will instead refer you to your travel agent.

Next time my wife and I book a cruise, we will seriously consider using some of our Chase Ultimate Rewards points to pay for at least part of the cruise. In the end, our decision will be based on our future plans for our Ultimate Rewards points to make sure we get the best value we can.

And if you don’t want to use Chase Ultimate Rewards, remember to consider the Capital One Venture (see our review here), which offers easy and flexible redemptions that are perfect for cruising.

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Richmond Savers has partnered with CardRatings for our coverage of credit card products. Richmond Savers and CardRatings may receive a commission from card issuers.

Filed Under: Credit Cards

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Comments

  1. Chip says

    January 16, 2018 at 5:58 pm

    We just booked a weeklong Southern Carribean cruise on MSC using Chase points. MSC lets you status match and get 5% back. We matched with Marriott…..phenomenal use of points!

    Reply
    • Thomas says

      January 28, 2018 at 11:03 am

      Chip that is very cool. I want to learn more about that method!

      Reply
  2. DaninMCI says

    February 4, 2018 at 7:53 am

    Good blog post. I will disagree that booking direct with the cruise lines is the best way. It is fairly common knowledge that travel agencies almost always get you a better deal on cruises. It might be easier in some minor ways to book direct, which I would personally prefer, but agencies usually have slightly better prices and almost always have better extras like ship credit or free extras. A good travel agent is also easier to deal with when changes need to be made. MSC will match status with other cruise lines fairly easily. United airlines also will let you book cruises with miles and is a transfer partner with UR but I don’t think the it’s as good usually unless it’s a super cheap 3 day which would be better to just pay cash I’d think.

    Reply
  3. Dena says

    June 4, 2019 at 3:08 pm

    How can you use your Ultimate Rewards for a Cruise to Cuba?

    Reply

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