Cruise lines like Carnival and Norwegian offer credit cards with benefits like bonus points. Here are the pros and cons you need to know.

If cruising is your favorite way to vacation, you may be considering a credit card from Celebrity, Disney, or Holland America, but other rewards credit cards could be a better option

Just as most airlines offer co-branded credit cards, cruise lines have their own credit cards. For frequent cruisers, cruise-branded credit cards offer the appeal of earning points toward free trips, and like most other rewards credit cards they often come with sign-up bonuses that get you rewards for meeting a minimum spending requirement in the first three months. However, even if you're interested in taking a cruise, other types of credit cards could make more sense.

Just as most airlines offer co-branded credit cards, cruise lines have their own credit cards. For frequent cruisers, cruise-branded credit cards offer the appeal of earning points toward free trips, and like most other rewards credit cards they often come with sign-up bonuses that get you rewards for meeting a minimum spending requirement in the first three months. However, even if you're interested in taking a cruise, other types of credit cards could make more sense.

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