As you say, you aren’t a regular Holland America Line cruiser and don’t spend a lot on cruises, so the Holland America Line Rewards Visa® Card is not the best choice for you. This card offers good rewards on Holland America purchases – 2x points, but only 1 point on all other purchases. What is more, the sign-up bonus is not so big – 5,000 points are give after the first purchase. The APR for purchases is high – 15.49%, 20.49% or 25.49% variable based on your credit worthiness.
We recommend you consider general travel rewards credit cards. These cards offer good rewards rate on all purchases and allow you to redeem your rewards for any cruise you want. If you need specifics, the good example is the Discover it® Miles credit card. You will earn unlimited 1.5x miles on all purchases and all the 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 30,000 miles, you get 60,000 miles. This card also comes with no annual fee, no foreign transaction fee and 0% intro APR on purchases for 14 months (the ongoing APR is 14.24% – 25.24% Variable).