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Cruise 118's reward profile is driven primarily by credit card category bonuses rather than portal competition. A Cruises category card can earn 5.4%, while the best portal rate is 0% via . Pairing the right category card with any available portal maximizes the combined yield at Cruise 118.
Reward Profile Card Optimized
Rate StabilityRates are consistent with minimal fluctuation
HighPortal SpreadNarrow spread — most portals offer similar rates
LowGift CardsNo gift card discounts currently available
—Stacking LayersSingle reward channel only
—Your card choice matters more than portal selection at Cruise 118. Sign up and add your cards to see which one earns the most here.
Portal Rates
No rates available
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Best Credit Cards for Cruise 118 (Cruises bonus)
About Cruise 118 Cashback
For Cruise 118 purchases, the Amtrak Guest Rewards Preferred (FNBO) gives you 2% in the Cruises category, which you can combine with portal cashback.
Yes — the free Portfolio Optimizer tool lets you select stores like Cruise 118, set your monthly spending, and choose how many cards you want to manage. It recommends the card combination that maximizes your total cashback across all your shopping.
Gift cards are shown as an alternative savings layer in CashBackStacks' stack calculator for Cruise 118. While they can potentially add 2-10% savings, whether they stack with portal cashback depends on the specific merchant and portal terms. Always check exclusions before assuming layers combine.
Install the CashBackStacks extension and cashback badges appear automatically in your search results. When you search for Cruise 118 or related products, you'll see available cashback rates inline — no extra steps needed.
Stores with similar cashback offers include 12Go Asia, 12Go Asia Pte., Ltd., 3villas. Compare rates across all similar stores to find the best deals.
As a Travel & Experiences retailer, Cruise 118 competes with other stores in the same category for cashback rates.
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