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You can apply for any travel rewards credit card with 0% introductory period on purchases. This type of cards allow to earn good rewards on travel purchases and redeem them for travel expenses including cruises. For example, look at the Discover it® Miles credit card. There is no annual fee and your APR will be 0% for 14 months (when the introductory interest rate is over, the ongoing APR will apply). You will be able to earn 1.5 miles on all your purchases. Rewards never expire and you will be able to redeem them any time you wish for any travel expenses, including Princess Cruises.