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If you want to earn rewards on all purchases at a good rate, choose from general travel rewards credit cards. This type of card often offers fixed rewards on all purchases and may give you more flexibility, lower APRs and other perks. You may choose from no annual fee credit cards and no foreign transaction fee, if you travel overseas, you won’t pay an extra 2-3% on each purchase.

For example, you may consider the Discover it® Miles credit card. This card offers 1.5x miles on all purchases. What is more, all miles you earn the first year will be matched at the end of your first year (provided you are a new cardmember). So if you, for example, earn 35,000 miles during the first year, Discover will turn them into 70,000 miles. Earned miles can be redeemed for any travel expenses, including Carnival Cruises.