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Got questions here are the most frequently asked..

Uplift gives you the freedom to book your vacation now and make payments over time with simple fixed installments. Some payment plans include interest while some are interest-free. When you’re ready to checkout, just select “Uplift” as your payment method, complete a short application, and receive a quick decision. Choose the terms of your payment plan, finish checking out, and enjoy your purchase. Then, pay over time with simple, no-surprise monthly payments. 

Shop for your vacation just like you normally would.  When you are ready to checkout, simply select Uplift as your payment method. To apply, you’ll need to provide some basic information like your mobile number, date of birth, and if you are a US resident, your Social Security Number. If you’re approved, finish checking out and you’re done.

We look at a number of factors, including your credit information, purchase details, and more.

You can make a payment anytime by visiting pay.uplift.com and clicking on the Loans tab. From here, click the Make a Payment button.

We recommend that you enable AutoPay at time of purchase so that your payments are automatically deducted each month. If you don't have AutoPay enabled, visit  pay.uplift.com , click on the Accounts page, and set the AutoPay toggle to ON. You can also change the form of payment on file with Uplift anytime by visiting  pay.uplift.com .

Yes! You do need to allow a few days between booking and your departure date for things to process. Other than that, you are free to travel whenever – even before you’re all paid off.

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Select Uplift at Checkout

Add your trip to the cart just like you normally would. When you are ready to book, choose Uplift as your form of payment.

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Provide a few pieces of information and receive a quick decision.

Enjoy your trip now and pay for it over time with low monthly installments.

Frequently Asked Questions

Down payment may be required. Actual terms are based on your credit score and other factors and may vary. APRs range from 0% to 36%. Not everyone is eligible. Loans made through Uplift are offered by these lending partners: uplift.com/lenders . Privacy Policy and Terms of Use . Uplift’s Address: 440 N. Wolfe Road Sunnyvale, CA 94085

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During checkout, choose Financing Powered by Uplift as your method of payment.

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If approved, make monthly payments until your loan is paid in full. Enjoy your cruise!

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Princess EZpay Cruise Payment Plan

Budget your vacation the easy way with our payment option plan.

With Princess EZpay, you can spread out the cost of your cruise with monthly installments – without extra fees! It’s easy to enroll in and easy to use; Princess EZpay simply charges the credit card on file every month until final payment is due. You can set it and forget it! Read on for the details of this flexible payment option.

Enroll now by contacting your travel advisor or 1-800-PRINCESS (774-6237)

What is the advantage of Princess EZpay? Flexibility to spread the payment over time. Set it and forget it with no need to worry about any payments.

How do I sign up for Princess EZpay? Once you've booked your cruise, call your travel advisor or 1-800-PRINCESS (774-6237) to enroll in EZpay. You can still enroll if you book your cruise online, however, Princess EZpay enrollment is only available via phone. Princess EZpay is not available in the United Kingdom.

What if I'm already booked? You can still sign up. Call your travel advisor or Princess Cruises and say you’d like to enroll in Princess EZpay.

What if I want to cancel out of Princess EZpay? You can opt out of Princess EZpay. Note that cancelling Princess EZpay will NOT cancel your cruise. You’re still responsible for the balance of the cruise by the final payment date.

What forms of payment do you accept for Princess EZpay? You can enroll using all major credit cards. Debit cards are not accepted.

How often will the credit card be charged? The credit card will be charged once a month beginning approximately 20 days after the deposit is paid, until Final Payment.

Can multiple cards be used with of Princess EZpay? No, one credit card will need to be used for the deposit and that card will be used for all of the Princess EZpay payments.

Are there any interest fees? There are no additional interest charges or fees from Princess. This is not a financing option.

What happens if I cancel my cruise? Standard policy applies if you cancel your cruise.

Can I choose different amounts for each payment? No, you cannot choose different amounts for each payment. The remaining balance due will be divided equally among the months up to and including the final payment.

Can different people in my party pay each month? Princess EZpay will automatically charge the same credit card used for the deposit for each payment.

Do I have to use Princess EZpay? No, Princess EZpay is optional.

Will I get payment reminders each month? Yes, you will be sent a reminder approximately two days before each payment is made.

If I upgrade or change my cabin after booking, will the payments change? If changing the cabin (upgrading/downgrading) causes the rate to increase or decrease then the remaining payments will automatically adjust.

What if I need to change the credit card on file? You can change the credit card on file at any time. When the card is changed, the auto charge process will use the new card to charge subsequent monthly payments.

Can I make additional payments? Yes, additional payments can be made and the system will recalculate the remaining balance and divide by the number of payments that need to be made.

What happens if the monthly payment is declined? In the event of a monthly payment failure, the system shall send a payment denial letter to the user’s email address. Princess shall not remove the user from the payment plan. The failed payment amount shall be adjusted to the remaining monthly payments. If all payments are not paid in full by the final payment due date, then the system will follow the current cancellation procedure.

What cruises are eligible for Princess EZpay? The majority of our voyages will be eligible for this offer, however voyages inside Final Payment will not be eligible as well as any voyage where there is not sufficient time to allow for deposit, at least one monthly payment and final payment.

Princess EZpay is not available in the United Kingdom.

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Is It Possible to Book a Cruise Now and Pay Later?

Explore the seas stress-free! Book your dream cruise now and enjoy the flexibility of paying later. Your perfect getaway awaits.

Book A Cruise

Cruising is attractive as it captures the imagination of travelers around the world and mixes luxury, thrills, and rest. Nevertheless, the cost implication of booking a cruise is always questioned by travelers. In recent times, there has been a growing trend towards flexible payment options, prompting the question: Can cruises be booked now and paid later ? This article delves into the cruise booking  dynamics, exploring how one can enjoy his/her cruise journey immediately while preparing to pay later.

Understanding Traditional Cruise Booking:

Booking a cruise has traditionally involved large sums upfront, like making a deposit when booking and paying the balance prior to embarkation. For some people, this can be challenging.

Evolution of payment options:

The cruise industry has become more resilient in a bid to address new demands emerging as a result of changes in consumer tastes and economic instabilities. The majority of cruise lines now offer installments for passengers so that they can pay for their costs within a few months. Cruising should be made affordable for many people with different financial backgrounds.

Cruise line payment plans:

Some of the big cruise lines have realized the need to give some flexibility to their customers’ payments. Many major cruise lines such as Carnival Cruise Line , Royal Caribbean , and Norwegian Cruise Line give passengers an opportunity to make their booking with just a reservation fee and then pay off the rest of their costs by installment. This is also one of the ways in which costs are minimized while offering a chance to people who do not have enough funds to attend the convention.

Advantages of Booking Now and Paying Later:

1. financial flexibility:.

Travelers may, therefore, cruise without paying the full price initially since they can go for a book now, pay later arrangement.

The cruise liner industry can target a larger market by providing affordable payment plans that enable individuals to pay for cruises in installments over prolonged periods.

2. Early Booking Incentives:

The cruise line also provides early booking incentives like affordable rates, upgraded cabins, and shipboard credit to passengers who book ahead of time.

Travelers who book early and pay late enjoy such discounts without committing the whole sum in advance.

3. Securing Preferred Accommodations:

Usually, cruises that are popular tend to sell out fast as well as preferred cabins. Passengers are able to book in advance with pay-later options , which ensures that they will get the desired accommodation, but they won’t need financial strains on time.

Challenges and considerations:

1. cancellation policies:.

To be on the safe side, travelers must fully understand the cancellation policies for payment later strategies. Travelers need to understand that some cruises might have tough cancellation rules with fines associated with changes or cancellations.

2. Credit Checks and Eligibility:

While some cruise lines accept ‘pay later’ arrangements, others will conduct a credit check to vet a passenger first. These payment plans can be challenging for people with bad credit to get access to.

3. Interest Rates and Fees:

Cruise lines might have interest-free payment plans, or they could charge such interest or fees for convenience payment in installments. For this reason, travelers are encouraged to read all the T&Cs to see whether they can afford this “pay-later” option.

Related:   What are the Ways You Can Pay for Things on a Cruise ?

Cruise lines have evolved new payment options that allow bookings today and payment later. The strategy is not only about making the cruise affordable for most people but also fits the industry’s aspirations to provide equal chances to take a cruise. Just as with any other financial undertaking, one should do proper research, understand the terms of payments, and see whether he or she can afford such an unforgettable trip. Many factors are taken into consideration when choosing a pay-later option , including how far in advance the cruise is booked. Typically, a deposit is still required, but the remaining balance can be financed. Therefore, the existence of these flexible payment schemes makes it possible for many more people to go on their own dream vacations.

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During your incredible Celebrity Cruises® Vacation, you can book your next cruise vacation while still sailing and get the best offer available. With our Future Cruise Vacations team onboard, you will receive the best service and first-hand destination experience in planning your next Celebrity Cruise vacation – Plus, you receive the best promotion available, only available, while you’re onboard a Celebrity Cruise®.

Our Onboard Future Cruise Vacations Programs

Our Future Cruise Vacations program offers you two ways to book a future journey directly with our onboard team while cruising—the Book Now and Book Later programs. Either way, all bookings created onboard are automatically assigned to your preferred travel advisor to continue servicing your reservation when you return home.

Book Later Program

Not sure where you want to go next? No problem. Reserve a sailing with our Book Later program and take up to 6 months to decide when and where you’d like to sail while still enjoying the best offer available on your booking.

Simply put down a small deposit with our Future Cruise Vacations team and you'll receive a confirmation number to redeem your trip after your vacation.

Plus, you’ll receive up to $500 in onboard credit in addition to our latest Celebrity Cruises® market offer.

Book Now Program

If you know where and when you’d like to travel next, our Book Now cruise offers you the convenience of booking directly on the ship with our Future Cruise Vacations team and locking in your dates and destinations.

Already Booked Your Book Later Sailing? Here’s How to Redeem It.

To redeem your Book Later trip, contact your travel advisor or call 1-800-556-8209 and have the booking confirmation number you received on board; they’ll be able to take care of the rest.

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Uplift is the leader in Buy Now, Pay Later for travel .

When you pay monthly for a flight, a cruise, a hotel, or vacation package – you’re giving yourself the freedom to travel farther and explore more enjoyably. Millions of consumers choose Buy Now, Pay Later options for vacation and travel so that they can say “yes” to all those bucket-list items and pay over time.

Paying monthly with Uplift helps you avoid late fees or annual fees you may incur using a credit card. Not to mention you’ll never have to worry about prepayment penalties, debt traps, or compound interest using Uplift.

Whether you’re traveling for work, to visit family or friends, or simply taking that trip you’ve always been dreaming of, using Uplift to pay for flights in installments or spread the cost of your hotel into monthly payments is the perfect option.

Unlike other Buy Now, Pay Later companies, Uplift’s Customer Service Squad is available 24/7 and provides unparalleled service from purchase to final payment.

A few of our partners:

Uplift knows just how much thought, care, and planning goes into creating the most memorable experiences. Lump-sum costs shouldn’t hold you back from booking.

When it comes to paying monthly for your vacation purchases, rest easy knowing that Uplift is the original Buy Now, Pay Later for travel.

Take a look at what our valued travelers have been saying lately.

My daughter just moved from CA to TX and was not able to come home for Thanksgiving. I thought I would surprise her with a visit from myself, her brother and his wife. She will be very happy.

So excited this will be my first trip to Las Vegas an I can take it off my bucket list thanks to Uplift.

Was a great option to pre-book flights without having to pay the entire amount! We travel with a family of 5 so everything is always expensive!

Need more answers to your questions about Uplift? Start here.

Why choose Uplift?

Uplift gives you the freedom to purchase what you want now and pay with fixed monthly payments. Uplift is often a better alternative to credit cards because Uplift charges only simple interest while some credit cards charge interest on interest. Uplift also makes budgeting easy so you can manage your expenses over time rather than paying one large sum all at once.

What kind of products and services can I purchase using Uplift?

Uplift can be used to purchase a wide range of products and services from our travel partners and retailers. Click here to see a full list of our current partners who offer Uplift. Click here to see a full list of our current partners who offer Uplift.

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What is the advantage of using Uplift vs a credit card?

While some credit cards charge interest on interest, Uplift charges only simple interest. If you carry a balance on a credit card, it can be hard to understand what it will cost you. With Uplift, the cost is clear at the time of purchase, with simple interest, predictable payments, and no fees.

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january 5 - 12, 2025

Ft. Lauderdale, FL • Key West • Belize City • Cozumel

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Book Now, Pay Later with Uplift

Book now. Pay over time. 

Spread the cost of your trip over low monthly payments..

How Uplift Works

• Select Uplift at Checkout Add your trip to the cart just like you normally would. When you are ready to book, choose Uplift as your form of payment.
• Quick & Easy Provide a few pieces of information and receive a quick decision.
• Enjoy Now Enjoy your trip now and pay for it over time with fixed monthly installments.

Uplift FAQs

Please be advised this is a separate, third-party service. All questions related to your Uplift payment plan should be directed to the Uplift Customer Service team at (844) 257-5400 or by emailing [email protected].

⊝ What is Uplift? Uplift gives you the freedom to book travel now and pay over time with simple fixed installments. Some plans include interest while some are interest-free. When you’re ready to checkout, just select “Uplift” as your payment method, complete a short application, and receive a quick decision. If approved, choose the terms of your payment plan, finish checking out, and enjoy your purchase.

⊝ Am I eligible to apply for Uplift? U.S. residents 18 years and older and Canada residents 19 years and older can apply for an installment loan through Uplift. Eligibility is based on your credit information and other factors at the time of application. 

⊝  How do I apply for Uplift?

Make your cruise reservation on our website just like you normally would. When you are ready to checkout, simply select Uplift as your payment method. You’ll need to provide some basic information like your mobile number, date of birth, and if you are a US resident, your Social Security Number. If you’re approved, finish checking out and you’re done.

⊝  How are my loan offers determined?

We look at a number of factors, including your credit information, purchase details, and more.

⊝  How do I make payments?

You can make a payment anytime by visiting  pay.uplift.com  and clicking on the Loans tab. From there, click the Make a Payment button.

We recommend that you enable AutoPay at time of purchase so that your payments are automatically deducted each month.

If you don't have AutoPay enabled, visit  pay.uplift.com , click on the Accounts page, and set the AutoPay toggle to ON.

You can also change the form of payment on file with Uplift anytime by visiting  pay.uplift.com .

⊝ Can I cruise before my trip is paid off ?

Yes! You do need to allow a few days between booking and your departure date for things to process. Other than that, you are free to travel whenever – even before you’re all paid off.

⊝ Are other payment plan options available ?

Yes! Uplift is optional and gives you the extra flexibility to pay over-time.

StarVista LIVE does also offer interest-free monthly billing with final payment due approximately 45 – 60 days prior to the event.

⊝  What is your Privacy Policy and Terms of Use?

Here is a link to Uplift’s U.S.  Privacy Policy  and  Terms of Use .

Here is a link to Uplift’s Canada Privacy Policy and Terms of Use .

⊝ Can I book over the phone with Uplift ?

No. Applications to use Uplift to pay over time are only available when you book your reservation online after selecting "Uplift" at checkout.

⊝ I already booked my cabin but did not use Uplift, can I add this to my reservation after the fact ?

Uplift can only be added to new reservations at the time of booking.

⊝ How do I contact Uplift regarding my payments ?

To reach the Uplift customer support team, you can email  [email protected]  or call (844) 257-5400. StarVista LIVE representatives cannot make any changes to your Uplift payments, so you will have to contact the Uplift support team.

US Disclaimer

Down payment may be required. Actual terms are based on your credit score and other factors and may vary. APRs range from 0% to 36%. Minumum $150 purchase required. Not everyone is eligible. Loans made through Uplift are offered by these lending partners: uplift.com/lenders .  Privacy Policy . Terms of Use . Uplift's Address: 440 N. Wolfe Road Sunnyvale, CA 94085

CA Disclaimer

Down payment may be required. Actual terms are based on your credit score and other factors and may vary. APRs range from 0% to 31.99%. Minimum $150 purchase required. Not everyone is eligible. Applicants are subject to approval by Uplift Canada. Privacy Policy . Terms of Use . Uplift's Canada Address: 410 Adelaide Street West, Suite 220, Toronoto, Ontario M5V1S8.

Please be advised this is a separate, third-party service that is not being offered by StarVista LIVE. StarVista LIVE shall in no way be liable for any claims, liabilities or causes of action you may have arising out of or related to your Agreement with Uplift. All questions related to your Uplift payment plan should be directed to the Uplift Customer Service team at (844) 257-5400.

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January 5 - 12 2025.

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2025 Lineup

Trombone Shorty & Orleans Avenue

St. Paul & The Broken Bones

The Allman Betts Band

Anders Osborne

The Soul Rebels

Marcia Ball

Jon Cleary & The Absolute Monster Gentlemen

Blind Boys of Alabama

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Bender Brass Band ft. Johnny Sansone, Chambers DesLauriers, Sugaray Rayford

Johnny Sansone

Chambers DesLauriers

Sugaray Rayford

John Boutté

Tin Men

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Minx Burlesque

Dwayne Dopsie and the Zydeco Hellraisers

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Sierra Green

Big Chief Monk Boudreaux

J'Wan Boudreaux

Chef Kevin Belton

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StarVista LIVE promises to provide you with a unique entertainment experience, bringing you together with a community of like-minded enthusiasts to relive favorite moments, create new memories, and enjoy unparalleled access to the superstars you love. 

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We are temporarily pausing our operations in the United States to focus on enhancing our services and better serve you in the future. Rest assured, existing accounts and services will continue as usual and our customer service team remains at your disposal to answer any queries or concerns you might have during this period. We apologize for any inconvenience caused and appreciate your support. Stay tuned for updates through our website and social media channels. If you have any questions or require further information, please do not hesitate to get in touch with us at [email protected]

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What is the Book Now, Pay Later program for Air2Sea reservations?

You can choose to Book Now, Pay Later for Air2Sea reservations. With this exciting new air offer guests have a greater selection of less restrictive airfares plus enhanced flexibility! You can now book flights with no money down on refundable (with fee) fares prior to cruise final payment. Book Now, Pay Later guarantees no cancellation or change fees up to the cruise final payment date for the specified sailing. Additionally, these fares will still offer the assured arrival protection and will continue to provide the best value in the market!

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It Just Got Easier to Book a Margaritaville at Sea Cruise — Here’s How

The cruise line is now allowing travelers to book now and pay later.

Courtesy of Margaritaville at Sea

Cruisers planning a Margaritaville at Sea vacation can now book their trip, but choose to pay later. 

The new option comes as the cruise line has partnered with payment service Uplift to offer the ability to pay for their trip in installments , according to the payment company . And for a limited time, the company will offer the option interest-free.

There are also no late fees or prepayment penalties.

"Our loyal travelers enjoy the carefree vacation lifestyle and expect flexibility in the booking experience," Kevin Sheehan, Jr., the president and CEO of Margaritaville at Sea, said in a statement. "This is why Uplift's monthly payment options are the perfect way to provide ease and peace of mind for our guests. And, to celebrate the launch of this partnership, we'll offer limited-time, interest-free payment options, making now a wonderful time to book an affordable trip to The Bahamas."

To choose the option , travelers can select the payment plan when booking their vacation. They’ll then need to apply for the service by inputting personal information, including their Social Security Number for U.S. residents. To pay the trip off, travelers can then either make a payment online or enable the AutoPay option.

In addition to paying for the cruise itself, travelers can add things like a cabin upgrade or pre-book onboard amenities and shore excursions through the system.

Travelers can then sail and pay their cruise off after their trip.

Rob Borden, the SVP of commercial and cruise at Uplift, said in the statement this option will allow travelers to “easily begin sailing the tropical waters and enjoying their experience at sea."

Jimmy Buffett's Margaritaville at Sea cruise line launched its first 658-cabin Margaritaville at Sea Paradise ship in May 2022 after initially being forced to postpone its inaugural sailing. The ship features nautical-themed passenger cabins as well as multiple restaurants and bars like the JWB Prime Steakhouse and the 5 o'Clock Somewhere Bar.

• MSC Cruises

BOOK NOW - PAY LATER.

By sidari , May 22, 2021 in MSC Cruises

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While checking out our November sailing on Seashore on the US website I see that MSC are now offering the "Book now, pay later" option for USA bookings, clicking on the Info button it opens a small window which also says "Cruise before you have paid in Full" Has anyone booked using this option yet ? It also gives the Monthly payment amounts.

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MotownVoice

I read the terms, and now forgot all the details but it’s basically opening a charge account with a 3rd party bank. Probably steep interest rates because it looks like you’d have to dig pretty deep before they’ll reveal them to you.     

The actual name of the program is Uplift.

20 hours ago, sidari said: While checking out our November sailing on Seashore on the US website I see that MSC are now offering the "Book now, pay later" option for USA bookings, clicking on the Info button it opens a small window which also says "Cruise before you have paid in Full" Has anyone booked using this option yet ? It also gives the Monthly payment amounts.

The interest rate will be the same as that on a personal loan. The highest possible rate.

I think we will continue to pay before cruising as usual.

5 hours ago, sidari said: I think we will continue to pay before cruising as usual.

Good choice, because it doesn't make sense to take a loan to pay for a cruise.

people who go on cruises regularly have a large amount of disposable income to enjoy life.

they don't need to borrow to go on a cruise

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How to book a cruise using points and miles

If you're eager to embark on a cruise and have accumulated points, you might not have to pay for your next trip.

In this guide, we will explore strategies to help you optimize your points and miles to reduce the cost of your cruise vacation. We'll discuss leveraging your existing loyalty programs and the best ways to unlock savings on your cruise fare.

Here are the top ways to use your points and miles for a cruise.

Should you book a cruise with points and miles?

While various options are available for redeeming your points and miles toward a cruise, it is important to note that the value you receive may not always be optimal (i.e., less than TPG's valuations ). In the realm of travel rewards, there are often more lucrative opportunities to leverage your points and miles for flights or hotel stays, where the value and flexibility tend to be higher.

If you have American Express, Capital One, Chase or Citi points, you might be able to get a redemption value of 1 to 1.5 cents per point for cruises. In this case, you'd get $100 or $150 off your cruise fare by redeeming 10,000 points. While this may seem high, it falls short compared to the value some travelers get when redeeming points for luxury hotels or first-class flights.

Some cruise lines have their own credit cards, but a few have formed partnerships with other brands. For example, Marriott Bonvoy members can earn and redeem points on Ritz-Carlton Yacht Collection cruises . These partner options are often limited, though, and may require loyalty to a specific travel brand.

You can always use points to reduce travel expenses for any cruise vacation. For example, you can use American Express Membership Rewards points , Bilt Rewards points , Capital One miles , Chase Ultimate Rewards points and Citi ThankYou points to cover costs associated with airfare, hotels or rental cars for your cruise. This often proves to be a better use of your rewards.

However, if you really want to use your accumulated points to reduce your cruise costs, here are various options for booking a cruise with points and miles.

Book a cruise with credit card points

You can use certain credit card points to book a cruise. Typically, you will be required to make the reservation through the portal provided by your credit card issuer, but some require calling a booking center. You may also be able to charge the cruise to your card and then redeem your rewards for a statement credit against some (or all) of that purchase.

Here's how you can book a cruise on points with several major credit card companies.

Amex Travel Pay with Points

If you have an eligible American Express card that earns Membership Rewards points , you can use those points to cover the cost of your cruise through the Pay with Points program . With this program, you can redeem Membership Rewards points at a value of 0.5 to 0.7 cents per point for most travel purchases. However, we value each Membership Rewards point at 2 cents when you maximize the program's transfer partners, so you would be using them at a lower value.

The Amex Travel portal has a user-friendly search feature that allows you to explore different cruises based on specific filters such as date, destination, cruise line and trip duration even before you log in.

To book a cruise using Pay with Points, log in to the travel portal and do the following:

• Select your preferred cruise itinerary and cabin.
• Enter your passenger information.
• When it's time to check out, enter your Membership Rewards-enrolled American Express card information and select "Yes" to determine how many Membership Rewards points your account has.
• You can pay for the entire cruise using Pay with Points or erase a portion of the cost and pay the rest with cash.

Alternatively, you can look up the cruise you want and call 800-297-5627 to book directly with the Amex Travel team over the phone.

Related: The best credit cards for booking cruises

Chase Ultimate Rewards

The Chase Ultimate Rewards travel portal is similar to Amex Travel, but the redemption value is higher.

Points from the $95 per year Chase Sapphire Preferred Card are worth 1.25 cents each toward travel booked through Chase, while points from the $550 per year Chase Sapphire Reserve are worth 1.5 cents.

Unfortunately, Chase's booking system doesn't let you book cruises directly through Chase's online Ultimate Rewards portal. You'll have to call the Ultimate Rewards booking hotline and talk to someone in the cruise reservations department instead.

To book a cruise and pay with Chase Ultimate Rewards points:

• Find the cruise itinerary and availability you want directly through the cruise line's website . If you have a specific cabin in mind, have that information handy. Unfortunately, reports indicate that you cannot book Disney Cruise Line sailings with Chase Ultimate Rewards.
• Call a Chase travel specialist directly at 855-234-2542, and be prepared to walk the adviser through the cruise line booking page on their end so they can find and book the cabin and options you want. Cruise advisers are available Monday through Friday from 9 a.m. to 9 p.m. EST and on Saturdays from 9 a.m. to 5 p.m. EST.
• Your cruise adviser will set up the itinerary for you and, upon checkout, will ask you how many points you want to apply against your final balance.

Citi ThankYou Rewards

The Citi ThankYou portal allows cardholders to use their ThankYou points as credit toward a cruise. Some cardholders can redeem points at a value of 1 cent apiece.

Finding your cruise within the Citi ThankYou portal can be frustrating because the search functionality isn't very robust. Travelers can only search for cruises by destination or cruise line, not by available dates.

To book a cruise using Citi ThankYou points:

• Log in to the travel portal by navigating through your Citi account (or directly at thankyou.com) and clicking on "Cruises" on the travel booking page.
• Then, filter by cruise line or destination. (Note that you can't search for cruises by a specific date.)
• Once you've identified the cruise you wish to book, call 800-842-6596 to speak directly with a Citi ThankYou travel specialist, who will allow you to apply Citi ThankYou points toward the final cost at checkout.

You can also use Citi ThankYou points to book a Disney cruise if you desire.

Capital One miles

Capital One offers more flexibility and a more straightforward redemption process than Amex, Chase and Citi. Unless you transfer your miles to an airline or hotel partner , each mile is worth a flat 1 cent toward travel.

Redeeming points doesn't require booking through a portal , thus freeing you up to book your cruise directly with the company or via a travel agent to get extra perks. This option also lets you pursue promotional package rates or discounts that might not be available through the Amex, Chase or Citi portals.

The award redemption process is straightforward: Use the card when paying for your cruise package, then log in to your account and use the "cover your travel purchases" option to apply your mileage balance as a credit toward the total amount you owe on your credit card statement.

You can earn Capital One miles with cards like the Capital One Venture Rewards Credit Card and the Capital One Venture X Rewards Credit Card . Each has varying features, so do some research to decide which card is best for you.

Related: Capital One Venture Rewards vs. Capital One Venture X: Worth the extra $300 in annual fees?

Book a cruise with airline miles

You can also book cruises using airline miles. However, like other options, the value of your travel rewards is often underwhelming. The following travel providers offer cruise portals that allow you to redeem rewards:

• American Airlines Cruises
• Delta Cruises
• United Cruises

For example, in the United Cruises portal, this seven-night Disney cruise out of San Juan, Puerto Rico, costs 151,571 United MileagePlus miles per person for an interior cabin — worth $2,198 by TPG's current valuation for United miles.

In contrast, the same room and sailing dates cost just $1,061 per person when paid for with cash — clearly a better value than paying with United miles.

Use cruise cobranded credit card points to book

With cruise line cobranded credit cards , you can earn points for purchases that you can then use to offset the cost of your cruise booking. However, this might not be your best option for earning and redeeming points.

Here, you'll want to be sure you can use your points toward the cruise fare instead of only onboard purchases. For example, the Royal Caribbean Visa Signature® Card offers a welcome bonus of 25,000 MyCruise Rewards points after spending $1,000 or more on purchases within the first 90 days of card membership to use on your next cruise. Your redemption choices vary.

For instance, you can redeem 25,000 points toward your companion's cruise fare on a three- or four-night Royal Caribbean cruise (certain conditions apply, i.e., minimum available ocean-view cabin and may not exceed $500 in value). Or, you can redeem 30,000 points for a $300 discount on a Celebrity Cruises voyage. To learn more about how to redeem MyCruise Rewards points, check out this PDF .

The information for the Royal Caribbean Visa Signature has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Redeem Marriott Bonvoy points

In 2021, Marriott announced that The Ritz-Carlton Yacht Collection would participate in the Marriott Bonvoy loyalty program. Members can redeem points on Ritz-Carlton cruises and enjoy elite status perks on voyages. However, the redemption rates aren't great.

You can redeem a minimum of 180,000 points toward a flat $1,000 savings on the cruise fare. After that, you can redeem increments of 90,000 points toward $500 in savings, up to the entire cruise fare. This redemption rate equates to about 0.56 cents per Marriott point, well below TPG's valuation of 0.84 cents per point.

Related: 17 ways to earn lots of Marriott Bonvoy points

Additionally, Marriott Bonvoy's Cruise with Points program allows you to cash in Marriott points for credit toward any cruise that's bookable on the Cruise with Points website.

You can redeem points in the following denominations, all valued at 0.4 cents per point:

• 63,000 points for $250 off your cruise fare
• 125,000 points for $500 off
• 250,000 points for $1,000 off
• 625,000 points for $2,500 off
• 1,250,000 points for $5,000 off

To redeem Marriott points for a cruise, call 1 800-596-0452.

Use points and miles for pre-cruise hotels and flights

You might make better use of your points and miles by redeeming them for flights to your departure port and for pre- and post-cruise hotel stays instead of for the cruise fare itself. With flights and hotels, you can often get more than 1 or 1.5 cents per point, unlike cruises, which generally provide lackluster redemption rates.

For example, you could transfer your Chase Ultimate Rewards points to United MileagePlus and get 3 cents per mile by booking a flight from San Francisco International Airport (SFO) to Miami International Airport (MIA). If you're an elite member or have a United credit card , you might even have access to special member award pricing .

Or, you could use 12,000 to 18,000 World of Hyatt points or an annual Category 1-4 award from the World of Hyatt Credit Card to pay for a room at the Hyatt Regency Orlando International Airport in Florida before heading to Port Canaveral the next day.

By using points on this given one-night stay, you're getting 2.5 cents per point.

Bottom line

It isn't always easy to get great value for your points and miles when you use them toward cruise redemptions — at least, not the way you can for first-class flights. However, redeeming your points for free or discounted cruise travel is possible.

That said, you should steer clear of using airline miles or hotel points for cruises if you want to redeem your rewards for maximum value. Those are better used on flights and overnight stays.

It's a similar story for credit card currencies. Capital One offers the most flexibility of all the major issuers because you can book your cruise directly or through a travel agent . With multiple booking options, you can take advantage of additional perks and access promotional rates from travel agents and online retailers that aren't available through credit card portals. You could even stack those deals for additional savings by booking via an airline portal to earn miles.

Once booked, the Capital One award redemption process is straightforward; simply apply your mileage balance as a credit toward your total credit card statement. Each mile is worth a flat 1 cent toward travel, so you always know the value for comparison purposes.

If you ask me, that's how I'd book a cruise with points and miles to get the best value.

Planning a cruise? Start with these stories:

• The 5 most desirable cabin locations on any cruise ship
• A beginners guide to picking a cruise line
• The 8 worst cabin locations on any cruise ship
• The ultimate guide to what to pack for a cruise
• A quick guide to the most popular cruise lines
• 21 tips and tricks that will make your cruise go smoothly
• Top ways cruisers waste money
• The ultimate guide to choosing a cruise ship cabin

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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This 140-night world cruise includes a $1.7m suite — here’s what you get on the luxe trip.

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Ahoy mateys and millionaires!

Regent Seven Seas Cruises, one of the world’s leading luxury ocean cruise lines, announced they will welcome guests on a 140-night world cruise, visiting six continents, 40 countries and 73 UNESCO World Heritage Sites.

Fares for the World of Splendor 2027 World Cruise begin at $91,499 per guest climbing up to a record-breaking $839,999 per guest for the decadent Regent Suite — $1.7 million dollars for two guests.

“We have seen continued interest and demand to venture further afield and for longer durations and so we are thrilled to announce that our 2027 World Cruise will take place on board Seven Seas Splendor, offering more luxury travelers the opportunity to enjoy this once-in-a-lifetime experience” Andrea DeMarco, president of Regent Seven Seas Cruises, said in a statement on Wednesday.

“This will be the first time a World Cruise will sail on board one of our magnificent Explorer-Class ships, Seven Seas Splendor, which was launched in 2020 and offers the highest standards of unrivaled luxury, and featuring the one-of-a-kind, 4,443 square foot Regent Suite.”

The Regent Suite is one of the largest suites ever constructed on a luxury cruise ship.

Guests who book the Regent Suite can choose between two bedrooms — troubled sleepers will want to opt for the Master which includes a hand-crafted Hästens Vividus mattress and bed set-up, worth over $200,000 — lounge in the living room and enjoy room service in the dining room.

When wanting to go into full relaxation mode, weary travelers can pamper themselves in the in-suite spa retreat, which offers a personal sauna, steam room, and jacuzzi, or head out to either of the two private balconies, each of which offers a heated mini pool spa.

The suite is adorned with marble touches, crystal chandeliers, hand-blown vases, a custom Steinway Grand Maroque Piano by Dakota Jackson and two rare original lithographs painted by Pablo Picasso.

But guests are likely to be distracted by the 270-degree unobstructed views peering over the ship’s bow from the 1,300 square-foot wraparound veranda and glass-enclosed solarium on the fourteenth deck — offering a “Captain’s view” as the ship arrives in each of the 71 ports.

Those staying in the Regent Suite are also offered a dedicated butler and a full bar setup.

Outside the luxurious suite, these cruisers are guaranteed a reservation in any of the five specialty restaurants each night, have access to a private dining room, a complimentary cocktail party for eight, dinner with a senior ship officer and a personal training session.

But the VIP treatment doesn’t stop when passengers step off the ship.

Regent Suite guests will also be provided with first-class airfare for domestic flights — or business class airfare for international flights — roundtrip transportation to and from the airport, priority boarding on embarkation day and access to a personal car, driver and guide in every port along the way.

Setting sail from Miami, the all-inclusive 2027 World Cruise travels to 71 ports visiting the Caribbean, the Pacific Islands, Australia and New Zealand, Asia, Africa and Europe before ending in New York.

Guests will travel 35,668 nautical miles across three oceans as well as over 480 shore excursions and 14 overnight stays.

Travelers who aren’t looking to splurge on the Regent Suite can choose from 14 other suite categories starting at $91,499 per guest for a 307-square-foot Veranda Suite.

Those who prefer a slightly shorter journey can opt for a 126-night voyage from Miami to Rome, with fares ranging from $84,999 per guest ,up to $755,999 per guest.

The World of Splendor World Cruise will set sail on January 11, 2027, after a one-night pre-cruise stay in a luxury hotel in Miami and an exclusive pre-cruise gala.

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Best Buy Now, Pay Later Apps

Check out the best buy now, pay later apps with flexible repayment terms and few (or no) fees.

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Read over your financing agreement so you are aware of the terms and payment schedule.

Key Takeaways

• Buy now, pay later apps let you spread out the cost of a purchase over time, sometimes with no interest or fees. 
• Some of the best buy now, pay later apps for shoppers are Afterpay, Splitit, Paypal Pay in 4, Klarna and Affirm. 
• Buy now, pay later apps often don't require a hard credit check, though missing payments can damage your credit. 
• While buy now, pay later apps are convenient, be careful not to use them to spend past your means. 

Buy now, pay later apps let you spread out the cost of a purchase over a few weeks, months or years, depending on the plan you choose. Most apps offer a "Pay in 4" plan that spans six weeks and doesn't charge interest or fees. Longer terms may also be available, but these typically come with interest charges. If you're looking to finance a big purchase, read on to learn how BNPL apps work and get recommendations for the best ones.

• Best Overall BNPL App: Afterpay
• Best for No Credit Check: Splitit

Best for Large Purchases: PayPal Pay in 4

• Best for Small Purchases: Klarna
• Best for No Fees: Affirm

What are Buy Now, Pay Later Apps? 

BNPL apps let you purchase an item right away while paying it off over time, usually in biweekly or monthly installments.

"BNPL allows you to split your purchase into smaller, more manageable installments," says Bruce McClary, senior vice president of membership and media relations at the National Foundation for Credit Counseling. "The approval process for BNPL apps is often quicker and easier than traditional loans or credit cards, sometimes even bypassing a hard credit check."

Most BNPL apps offer a "Pay in 4" plan, which involves a 25% upfront payment and three more payments every two weeks after that. This six-week plan usually doesn't come with interest or fees, as long as you make your payments on time. Longer plans that span several months or years may also be available, but these typically come with interest rates up to 36%.

You can sign up for a specific BNPL service and shop through its website, app or, if available, virtual card. Alternatively, some retailers let you choose BNPL at checkout. You'll get an instant decision and can finalize your purchase after providing your payment details.

Best BNPL Apps

Here are recommendations for the best BNPL apps with flexible repayment terms and few fees.

Best Overall BNPL App: Afterpay 

Provides a virtual card you can use in stores.

On-time payments can cause your loan limits to increase. 

Integrates with Google Pay and Apple Pay.

Charges late fees. 

Monthly Pay plan can have interest rates as high as 35.99%.

Monthly Pay not available in Hawaii, New Mexico, West Virginia or Nevada.

More Information:

• Installments: Pay in 4, Monthly Pay over six or 12 months. 
• Interest rates: 0% - 35.99%.
• Minimum purchase amount: Varies by store.

Afterpay offers an interest-free plan that spans about six weeks, as well as monthly payment options that you can spread out over six or 12 months. APRs for Monthly Pay range from 6.99% to 35.99%.

While loan limits will vary by store and shopper, you could see your limit increase as you use Afterpay and make on-time payments. Afterpay also provides a virtual card and integrates with Google Pay and Apple Pay for convenient online and in-store shopping.

Best for No Credit Check: Splitit  

No credit check.

Doesn't charge interest or fees.

Works with your existing credit card.

Doesn't work with debit or prepaid cards.

Only available with certain merchants.

Authorizes full amount on your credit card at the beginning.

• Installments: Monthly.
• Interest rates: No interest or fees.
• Minimum purchase amount: Varies.

Splitit is a unique BNPL provider that lets you split up purchases on your credit card over two to 24 months. It's available at Splitit's partner merchants with your Visa or Mastercard, as well as American Express and Discover if the merchant allows. There's no credit check to use Splitit, since it works with a credit card you already have. When you use Splitit, you'll pay off an initial installment followed by monthly installments for a pre-set period of time.

Splitit will authorize the full amount to your card at the beginning to guarantee repayment. It will renew this authorization every 17 to 21 days until you've paid off the amount in full.

No late fees.

Comes with purchase protection benefit.

Can finance up to $10,000.

Only available for online purchases. 

Can only be used with merchants that accept PayPal.

Not available in all states.

• Installments: Pay in 4, Pay Monthly over six, 12 or 24 months.
• Minimum purchase amount: $30.

You can finance between $30 and $1,500 with PayPal's interest-free Pay in 4 plan, as well as between $199 and $10,000 with its Pay Monthly option. PayPal's Pay Monthly plan charges interest from 9.99% to 35.99% and spans six months to two years. PayPal's BNPL plans are only available when shopping online at merchants that accept PayPal. PayPal Pay in 4 is available in every state but Missouri and Nevada, while Pay Monthly is available everywhere but Arkansas, Hawaii, Massachusetts, Nevada, New York and Texas.

What to Know about PayPal Pay In 4

Rebecca Safier Feb. 7, 2024

Best for Small Purchases: Klarna  

Multiple repayment plan options.

Pay in 4 and Pay in 30 plans don't charge interest or fees.

Making on-time payments can increase your purchase power.

Must pass a hard credit check for monthly plans.

Not available in all 50 states.

Charges fees for late payments.

• Installments: Pay Now, Pay in 30 Days, Pay in 4, Monthly Pay over six to 24 months. 
• Interest rates: 0% - 33.99%.
• Minimum purchase amount: $35. 

Klarna may be a good option for small purchases, since its minimum purchase amount is just $35 and it offers both one-month and six-week repayment plans with no interest or fees. You can also choose a monthly plan that spans six to 24 months that comes with interest rates of 7.99% to 33.99%. Klarna's Pay in 4 plan is available in every state but New Mexico and Hawaii, while its monthly payment option is offered everywhere except Montana, New Mexico and Hawaii.

Best for No Fees: Affirm  

No late, prepayment, annual or account fees.

Repayment terms up to 48 months for large loans.

Offers both a virtual and physical Affirm card.

Can't change your payment due dates. 

Monthly pay interest rate can go up to 36%.

Late or partial payments could hurt your credit score.

• Installments: Pay in 4, Monthly Pay over one to 60 months.
• Interest rates: 0% - 36%.
• Minimum purchase amount: $50.

Affirm is a BNPL app that doesn't charge late fees, annual fees or prepayment penalties. Its Pay in 4 plan doesn't charge interest, while its monthly plan has rates up to to 36%. The most common terms for monthly pay are three, six or 12 months, but you might get terms from one to three months for small amounts and up to 60 months for large loans.

Affirm offers both a virtual and physical card that you can use while shopping in-store or online. Although this BNPL provider doesn't let you change your payment due dates, it does allow you to choose your date if you set up autopay.

Personal Loans for Bad Credit

Chris Kissell May 8, 2023

Tips to Use BNPL Apps Responsibly

BNPL apps offer a convenient way to purchase items you need now without having to pay the full cost upfront. However, this convenience can lead to spending past your means .

"There are certain risks associated with BNPL … such as overspending (and) impulse buying," says Ohan Kayikchyan, a certified financial planner and money coach.

Accruing too much debt could not only derail your budget, but it could also harm your credit if you can't afford your BNPL payments.

"Most BNPL accounts don't report positive account activity to credit bureaus," says McClary. "(However,) missed payments can be reported as past-due accounts or debt collection activity, which can negatively impact your credit score."

To use a BNPL app responsibly, read over all the terms and conditions of your financing agreement. Take note of your payment amounts and schedule, and come up with a plan to make all your payments on time.

If you're concerned about impulse shopping, consider saving up for an item before you buy. That way, you can pay it off upfront rather than relying on a financing plan like BNPL.

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