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There are plenty of travel credit cards which allow you to earn rewards for cruises and don't require an annual fee. Check out the Discover it® Miles credit card. There's no annual fee at all and it collects miles nicely over the year. You will earn unlimited 1.5x miles on all purchases and all miles you've earned at the end of your first year will be matched (if you are a new cardmember). For example, if you earn 35,000 miles, you get 70,000 miles. What is more, no foreign transaction fee is a great advantage - you can freely use your card abroad.