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Using the right credit card can help you earn discounts and sometimes even free cruise tickets. To find the best credit card you should understand what are your goals and preferences. If you prefer particular cruises and travel with this cruise line a lot, then a co-branded cruise card may be a good option. Unfortunately, Oceania Cruises doesn't offer co-branded credit cards. If you are only planning a cruise and want to earn as many miles or points as possible, it is better to consider general travel rewards credit cards. Such cards allow you to earn miles on all purchases, receive sign-up bonuses and redeem rewards for any cruise you want.

For example, the Discover it® Miles credit card may be a good choice. You will earn unlimited 1.5x miles for every dollar spent on all purchases all with no annual fee. Discover will match ALL the miles you've earned at the end of your first year, automatically (if you are a new cardmember). For example, if you earn 35,000 miles, you get 70,000 miles. That's $700 towards travel! You can redeem your miles as a statement credit towards travel purchases, including cruises.