8 Cruise Line Loyalty Programs Compared: Perks & Requirements

Which cruise lines offer the best loyalty programs? Are they worth it? Should I only cruise with one cruise line or try all of them?

These are common questions people have when looking at cruise line loyalty programs.

We have listed the benefits for 8 different cruise line loyalty programs and what it takes to reach each level. See which perks interest you the most and how realistic it is to reach the status required to enjoy them.

Cruise lines want you to keep sailing with them. They offer rewards and incentives for staying loyal to their brand of ships. And the more you cruise on one line the better the benefits get down the line.

Each cruise line has its own name for their loyalty program, and in this article we are going to compare and contrast these status tiers and what it takes to reach them.

Note: Always go directly to the cruise line’s website to get more specific and up-to-date information on a rewards program. Loyalty programs can evolve, with some like Carnival making major changes in 2026.

What kind of perks can you get with cruise line loyalty programs?

Just for signing up, many cruise lines will provide you with exclusive deals and discounts. And as you progress you can find benefits as cabin upgrades, free specialty dining, gifts, and access to exclusive lounges and events onboard.

Holland America provides free cruise fares for the 3^rd and 4^th cruise passenger after earning enough cruise credits.

At higher levels, Norwegian Cruise Line rewards cruisers with complimentary specialty dining offerings.

Some of the biggest sought-after perks are priority boarding, tendering, and disembarkation. Cutting down on lines and wait times can be a nice privilege. MSC even has a late check-out for disembarkation so you can enjoy the ship longer.

Carnival does have the FTTF (Faster To The Fun) program for expedited boarding and Royal Caribbean now offers priority boarding and disembarkation with a program called The Key. These services cost extra but it’s a way of getting some of the rewards of a loyalty program without earning status.

The free services and amenities of a cruise line rewards program can be a nice touch as well. Free laundry service, shoe-polishing (Princess), photos, and internet access are some of the special rewards you can earn by staying loyal to some cruise lines.

Cruising solo?  Some cruise lines (e.g. Royal Caribbean and Celebrity) will give you double points for staying in a double-occupancy cabin if you travel by yourself. Many programs also offer status matching or cross-brand recognition within their parent companies.

Below we will list 8 cruise lines and what perks are offered for each tier of their loyalty programs.

Carnival Cruise Line – VIFP Program (Transitioning to Carnival Rewards in September 2026)

Big Change: We are currently in the final months of Carnival’s legacy VIFP Club. On September 1, 2026, the system pivots from “Days Sailed” to “Dollars Spent.” If you are close to a new tier, the next few months are the most critical in Carnival’s history.

The “Last Call” for VIFP Status (Until August 31, 2026)

Currently, Carnival’s 5-tier program is based strictly on days at sea. For entry-level cruisers (Blue, Red, and Gold), the perks are modest—mostly member-only fares and a free drink. However, the game changes entirely once you cross the 75-day mark.

Platinum Status (75–199 Days)

This is the “sweet spot” for many loyalists. If you hit this by August 31, you unlock these core benefits:

• Priority Everything: Check-in, boarding, debarkation, and water shuttles (tenders).
• Free Laundry: Up to five bags depending on cruise length (a massive value).
• Exclusive Access: Entry to the VIFP party with free drinks and dedicated Guest Services lines.
• Main Dining Priority: First dibs on your preferred seating time.

Diamond Status (200+ Days)

The elite tier. Hitting Diamond before the September deadline is the “Golden Ticket” because those who reach Diamond by August 31, 2026, are grandfathered into Lifetime Diamond status under the new system.

• Unlimited Laundry: Never bring a suitcase full of dirty clothes home again.
• One-Time Major Reward: A free cabin upgrade OR free 3rd/4th/5th guest fares.
• Captain’s Table: An invitation to an exclusive event with the ship’s officers.
• Specialty Dining: A complimentary meal for two at the restaurant of your choice.

The Future: Carnival Rewards (Launching Sept. 1, 2026)

Starting September 1, Carnival replaces “Days” with Status Qualifying Stars. You will earn 3 Stars for every $1 spent on cruise fares and onboard purchases. Status will now be earned over a 2-year rolling window rather than being permanent for life.

The Two Ways to Win in the New System:

1. The Grandfather Rule: If you are Platinum or Diamond by the deadline, you get a significant “Star Boost” every two years to help you maintain your status without having to out-spend new cruisers.
2. The Credit Card Path: The new Carnival Rewards Mastercard allows you to earn 1 Star for every $1 spent on everyday purchases like groceries and gas. This could help budget cruisers who want to earn high-tier perks through daily spending rather than expensive suites.

Pro Tip: If you are 10 or 15 days away from Platinum or Diamond, book a short “weekend getaway” cruise before August. The cost of a 4-day cruise now is significantly lower than the “spend” requirements you’ll face once the new system takes over in September.

Royal Caribbean Cruises – Crown & Anchor Society

As a member of the Crown & Anchor Society with Royal Caribbean you will earn 1 point for every night sailed on a Royal Caribbean ship. These points are doubled when a suite is booked, so getting a suite on your cruises is one way to rank up faster. Solo cruisers who pay double occupancy are also awarded double points.

Royal Caribbean Group is the parent company of Celebrity Cruises and Silversea. As such, members now enjoy strong **one-for-one status matching** across the brands (and a new Points Choice option launched in 2026 that lets you direct points where you want them). It’s nice being able to leverage your loyalty on related lines.

There are 6 levels in the Royal Caribbean Crown & Anchor Society: Gold, Platinum, Emerald, Diamond, Diamond Plus, and Pinnacle Club.

Perks include discounted rates, priority check-in, exclusive events, and even perks with MGM Resorts International.

Here are some of the onboard benefits for each level of loyalty within Crown & Anchor Society:

Gold level is reached with at least 3 nights sailed. Perks include some onboard offers, priority check-in if there is availability, Wi-Fi discounts, drink discounts, casino free play, a private departure lounge with continental breakfast, and exclusive trivia.

Platinum level is reached once you have at least 30 points. Perks include everything from Gold level. Additional rewards are an exclusive top tier event, robes for onboard use delivered at request, and a signature lapel pin.

Emerald is reached with at least 55 points earned. Perks include everything from the above levels in addition to complimentary welcome waters.

Diamond is reached with at least 80 points earned. This is where some of the more coveted perks start kicking in.

Perks include all of the above status benefits and the following:

• Four complimentary daily drinks
• Priority waitlist for seating in the Main Dining Room
• Priority wait list for shore excursions and spa services
• Exclusive backstage tour on cruises five nights and longer
• Diamond Club access (on select ships)
• Priority Departure
• Label pin

Diamond Plus is reached with at least 175 points earned. Perks include everything listed above in addition to the following rewards:

• Five complimentary daily drinks
• 30% drink package discounts
• Single supplement reduced fares
• Personalized gift/amenity
• Priority seating at theater, ice shows, and Aquatheater
• Meal with an officer (if over 340 points)
• Upgraded bathroom amenities (if over 340 points)
• Bonus gift (if over 340 points)
• Priority access to seating at shows

Pinnacle Club is reached with at least 700 points earned. This is the top tier. Onboard perks include all of the above in addition to a personalized lapel pin for Pinnacle Club and exclusive privileges like access to the Suite/Concierge Lounge.

Other discounts, cruise certificates for reduced rates, and priority services are available at different tiers. You can check out Royal Caribbean’s latest benefit grid for the full details.

Norwegian Cruise Line – Latitudes Rewards

As with Carnival and Royal Caribbean, Norwegian Cruise Line gives you a reward point for each night booked on a Norwegian cruise ship.

An extra point is earned per night when booking a suite, and you can get an extra point per night on top of that by booking one of their Latitudes Rewards inside offers. These special offers are sent out monthly and usually provide other perks like onboard credit.

There are seven tiers of status in Latitudes Rewards which are Bronze, Silver, Gold, Platinum, Sapphire, Diamond and Ambassador.

Rewards points are applied to your account after you return from your cruise. Points will be applied within 48 hours after you have completed a sailing.

Bronze status is obtained after sailing at least one night on Norwegian. Perks include:

• 10% discount in duty-free shops
• Signature tier pins
• Free artwork for attending art auction
• Insider offers on select sailings
• Latitudes rewards magazine

Silver is reached from 20-44 points earned on Norwegian. Perks include everything from Bronze in addition to:

• 15% discount in duty-free shops
• Exclusive cocktail party
• 10% discount on shore excursions
• 20% discount on photos
• 15% discount on spa treatments (while the ship is in port)

Gold level is reached from 45-74 points earned on a Norwegian ship. Perks include everything from Silver in addition to:

• 20% discount on spa treatments (while ship is in port)
• 1 bottle of water
• 50% off 1 bag of laundry service
• 25% discount on photos
• Priority tender tickets
• Priority disembarkation

Platinum level is reached from 75-149 points earned on a Norwegian ship. Perks include everything from Gold level in addition to:

• 30% discount on photos
• 25% discount on spa treatments (while ship is in port)
• 15% Wi-Fi discount
• 1 free bag of laundry service
• Priority Embarkation
• Dinner For Two At Cagney’s Or Le Bistro With A Bottle Of Wine
• Dinner For Two At Moderno Or La Cucina
• 30 minutes of free internet
• Chocolate-covered strawberries
• Behind the scenes ship tour
• Concierge service

Sapphire level is reached from 150-349 points earned on a Norwegian cruise ship. Perks include everything from Platinum level in addition to the following:

• 2 bottles of water
• 20% discount on Wi-Fi
• Dinner with officers
• Priority restaurant and entertainment seating

Diamond level is reached from 350-699 points earned on a Norwegian cruise ship. Perks include everything from Sapphire level in addition to the following:

• Free bag of laundry
• 25% discount on Wi-Fi
• One free cabin upgrade

Ambassador level is the top tier. It is reached after obtaining at least 700 points on Norwegian Cruise Line. Perks include everything from the prior levels plus a very big bonus: A free 7-day cruise is awarded to the Latitudes Rewards member who has reached Ambassador status.

See the full list of rewards and perks with Norwegian Cruise Line’s Latitudes Rewards on their site.

MSC Cruises – MSC Voyagers Club

Anyone who has sailed with MSC since 2006 or has a current confirmed booking can join MSC Voyagers Club.

MSC has also done something different in matching loyalty reward levels from other cruise lines and hotels. So, if you already have reached status with Royal Caribbean or Carnival you can reap some of those rewards with MSC if you qualify. By applying for the Status Match program with MSC Cruises you will be assigned a membership level from Classic to Blue Diamond.

Read more on the MSC Cruises Status Match program here.

Keep in mind that if you are applying for the Status Match program you should not register for MSC Voyagers Club.

Here are some of the perks you may receive if you do qualify for the Status Match program.

• If you belong to a loyalty program with a hotel, cruise line or tour operator, you may qualify
• You will be assigned an MSC Voyagers Club membership, from Classic to Blue Diamond
• A guaranteed 5% discount on any cruise
• Get similar or higher privilege status than your current loyalty program
• Other perks include: priority boarding, bottle of spumante, courtesy towel bathrobe, access to the thermal area in the MSC Aurea Spa, complimentary dinner in a specialty restaurant* (these perks vary by membership level)

MSC has six tiers in Voyagers Club: Welcome, Classic, Silver, Gold, Diamond and Blue Diamond.  Here is the breakdown of the point values needed for each tier:

• Welcome Membership – 0 points
• Classic Membership – From 1 to 2,199 points
• Silver Membership – From 2,200 to 4,299 points
• Gold Membership – From 4,300 to 9,999 points
• Diamond Membership – From 10,000 to 24,999 points
• Blue Diamond Membership – Over 25,000 points

How to earn points with MSC Voyagers Club

The points system is a little more complicated with MSC Cruises. The amount of points you earn with each cruise depends on the experience purchased (Bella, Fantastica, Aurea, MSC Yacht Club), the length of your cruise, and any prepaid onboard services.

Let’s look at what you actually get for reaching these different membership levels with MSC Voyager Club.

Welcome Membership allows you access to an online private area, and you will receive a newsletter. You will also receive 10% discounts on spa and salon services.

Classic Membership provides you with a 5% discount on your MSC cruise which can typically be combined with other promotions unless otherwise stated. Here are some of the additional perks:

• Personalized luggage tags for embarkation in your e-ticket
• On board discounts that range from 10-50%
• Invitation to special members-only event

Silver Membership offers all of the same perks listed above in addition to the following:

• $50 onboard credit
• Bigger discounts on board
• Complimentary fresh fruit basket
• Milestone reward
• Complimentary birthday cake

Gold Membership offers all of the perks listed above in addition to the following:

• Complimentary one-hour thermal area session (once per cruise)
• Complimentary gift
• Priority dining times
• One free F1 simulator credit
• Early access to theater shows
• Bathrobe and slippers

Diamond Membership offers all of the perks listed above in addition to the following:

• Bigger discounts on board
• Free stateroom upgrade
• Priority check-in
• Complimentary specialty restaurant “Tasting Menu” dinner for two (no beverages, one dinner per stateroom)
• Late stateroom check-out at disembarkation
• Priority disembarkation

Blue Diamond Membership offers all of the perks listed above in addition to the following:

• Flexible arrival in port
• Access to Yacht Club Lounge for check-in
• Behind the scenes tour
• Priority access to tender boats

Visit MSC’s rewards page for more details.

Disney Cruise Line – Castaway Club

Becoming a member of Disney Cruise Line’s rewards program takes no more effort than booking a cruise. You are automatically enrolled after your first cruise with Disney, and after your first sailing you will be a Silver member.

Unlike some other reward programs that are based on the number of nights you’ve sailed with them, Disney counts the number of cruises. After 5 cruises you will be a Gold member, after 10 you will be at Platinum level, and after 25 cruises will be Pearl, the top status.

Here are the perks provided for each tier:

Silver Castaway begins after the first cruise is completed.

• Early booking for new itineraries (1 day before public)
• Early access to activity planning online
• Communications just for Castaway Club members
• Dedicated Castaway Club phone number
• Exclusive terminal check-in
• Welcome back aboard gift

Gold Castaway is achieved after 5 completed cruises. It includes the above perks in addition to the following:

• Early booking for new itineraries (2 days before public)
• Early access to cruise activities
• Early access to select port arrival times
• Exclusive member discounts
• Private onboard reception

Platinum member is achieved after 10 completed cruises. It includes the above perks in addition to the following:

• Early booking for new itineraries (3 days before public)
• Early access to cruise activities and port arrival times
• Complimentary dinner at Palo or Palo Steakhouse

Pearl member is achieved after 25 completed cruises. It includes the above perks in addition to the following:

• Early booking for new itineraries (5 days before public)
• Early access to cruise activities and port arrival times
• Complimentary unlimited digital photo package

See Disney’s latest Castaway Club details on their site.

Celebrity Cruises – Captain’s Club

Celebrity’s Captain’s Club loyalty program breaks down into six different tiers: Preview Level (prior to sailing), Classic Level, Select Level, Elite Level, Elite Plus Level, and Zenith Level.

Points for these loyalty levels are earned based on the stateroom category and the length of the sailing.

Inside and oceanview sailings earn 2 points per night.  Veranda staterooms earn 3 points per night.  Concierge and Aquaclass sailings earn 5 points per night.   Suites can earn anywhere from 8 to 18 points per night depending on the category. Thanks to the Royal Caribbean Group connection, you get strong status matching and the new Points Choice flexibility.

Let’s take a look at what perks are awarded for each level in Captain’s Club.

Preview Level is earned for anyone who has booked a cruise with Celebrity and provides complimentary access to Captain’s Club Loyalty Desk and the program’s newsletter.

Classic Level is earned after just one cruise with Celebrity. This level is for any cruiser with 2-149 points. Perks include the following:

• Exclusive Captain’s Club Celebration
• One complimentary scoop of gelato
• One category upgrade applicable through Aqua Class (based on availability at time of booking)
• 10% discount on drink packages
• 10% discount on internet

Select Level is earned for having 150-299 points. Perks include the above in addition to the following:

• One standard bag of laundry
• 25% off internet
• 10% discount at the spa

Elite Level is earned for having 300-749 points.  Perks include the above in addition to the following:

• Exclusive daily continental breakfast
• Evening cocktail hour
• 30% off Wi-Fi
• Complimentary access to Persian Garden (port day)
• One complimentary bag of laundry (wash, dry, fold)
• 15% drink package discount
• Captain’s Club Coffee House and Captain’s Club Cocktail Lounge

Elite Plus Level is earned for having 750-2,999 points. Perks include the above in addition to the following:

• 35% off Wi-Fi
• 2 complimentary bags of laundry (wash, dry, fold)
• 20% discount on any Drinks Package
• 15% discount on Specialty Dining cover charge

Zenith Level is earned for having 3,000 points and more. Perks include the above in addition to the following:

• Complimentary seven-night cruise
• Access to the Retreat Lounge/Michael’s Club
• Unlimited internet for free
• Complimentary laundry
• 25% discount on Specialty Dining cover charge (member only)
• Complimentary Drinks Package
• Access to Michaels Club Concierge Lounge

Princess Cruises – Captain’s Circle

Princess offers 4 different levels in their loyalty program: Gold, Ruby, Platinum, and Elite. Reaching each tier is based both on the number and length of the cruises.

After your first completed cruise with Princess Cruises you will be Gold status. Here are some perks you will receive as a Gold member:

• Preferential pricing offers
• Access to new itineraries
• Exclusive events onboard
• Gold member recognition pin

You will reach Ruby status once you have been credited with your 4^th to 5^th cruise or have sailed 31-50 days with Princess. You will receive all of the perks from Gold in addition the following perks:

• Princess Platinum vacation protection upgrade
• Exclusive shoreside access to Captain’s Circle help desk phone line
• Ruby member recognition pin

You will reach Platinum status from your 6th-15th cruise credit, or 51-150 cruise days.  You will receive all of the perks from Ruby in addition the following benefits:

• Early access to dining reservations
• 10% off spa treatments
• Platinum and Elite Lounge
• 50% off Wi-Fi
• Platinum member recognition pin

You will reach Elite status from your 16^th cruise and on or after sailing on Princess for 151 plus cruise days. You will receive all of the benefits from Platinum plus the following perks:

• Priority ship to shore tender embarkation
• Priority disembarkation
• Complimentary laundry and cleaning services
• Complimentary mini bar set up
• Deluxe canapes selection
• Afternoon tea
• 10% discount in the shops of Princess
• Complimentary wine tasting
• Elite member recognition pin

Read more information about Princess Cruises’ loyalty program on their site.

Holland America Line – Mariner Society

Once you have taken your first cruise with Holland America you are automatically enrolled in the Mariner Society program.

One cruise credit is earned for every full day sailed with the cruise line. These credits are doubled if a suite is booked. So, a 7 day cruise in a suite on a Holland America ship will earn you 14 cruise credits.

Cruise credits can also be earned through onboard purchases. For every $300 spent on eligible purchases you can earn 1 cruise credit.

Holland America has 5 tiers of status in Mariner Society. Let’s take a look at the benefits of each of these tiers below:

1-Star Mariner status can be attained simply by returning to Holland America on a 2^nd cruise. As a Star Mariner you will receive:

• Up to $400 in credit for cruises booked within 90 days of a new season launch
• A special collectible gift presented to you on board
• Mariner Cocktail voucher
• A 50% cruise fare discount on the 3rd/4th guest staying in your stateroom on select sailings

2-Star Mariner status is attained once you are able to earn 30 cruise credits. You will then get the following benefits in addition to the above perks:

• A complimentary photo of the ship
• A 10% discount on select Holland America Line logo clothing sold onboard signature shops (may exclude already discounted merchandise)

3-Star Mariner status is achieved once you have earned 75 cruise credits. At this 3^rd tier you will enjoy these perks in addition to the above perks:

• Discount on select spa treatments
• A 25% discount on specialty restaurant surcharges 
• Mariner Welcome Onboard Reception
• 25% discount on Sommelier Suite packages
• 25% discount on mini-bar purchases

4-Star Mariner status is yours once you have sailed with Holland America enough to earn 200 credits. You will receive the above perks in addition to the following:

• Free cruise fares for 3rd and 4th guests
• 50% discount on Sommelier Suite Packages
• An increase of a 50% discount on specialty restaurant surcharges and specialty coffees in all dining venues
• 50% discount on mini-bar purchases
• Complimentary laundry and pressing services
• Priority tender and check-in
• Priority Disembarkation
• An increase of A 15% discount on select Holland America Line logo clothing sold onboard shops (may exclude already discounted merchandise)
• Discounts on select spa treatments from the Greenhouse Spa & Salon

5-Star Mariner status is the top tier you can reach with Holland America. It requires 500 cruise credits and includes the above tier benefits in addition to the following:

• $30 credit toward Wi-Fi
• Two complimentary dinners at Pinnacle Grill, Tamarind or Canaletto
• Complimentary day pass to the Greenhouse Spa & Salon Thermal Suite (1 per cruise)

Please refer to the Holland America Line page on Mariner Society for more terms and conditions on member benefits.

Which program looks best to you?

Are you a member of a loyalty program with a cruise line? Which program do you think offers the best perks for the least amount or cruises?

Signing up for a loyalty program is a no-brainer. It’s free, easy, and in most cases automatic. But does this mean you should only sail with that one cruise line?

With more new ships coming out all the time and great deals being offered all across the board, it makes sense to try out different lines before you commit to one if you really are set on utilizing a company’s loyalty program as much as possible.

While the perks can be nice features to your cruise, many of them require a vast number of cruises before they really make a difference. And with some cruise lines like Carnival and Royal Caribbean allowing you to pay extra to receive some perks like priority boarding and embarkation, you can benefit from VIP status a lot earlier. The cross-brand matching in the Royal Caribbean Group and MSC’s generous status match program also give you more flexibility than ever.

Note: This article was updated in April 2026.