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Holland America Rewards Guide

3 data points

Top 3 Credit Cards by Earning Rate at Holland America

ChaseSapphire Reserve
8X Ultimate Rewards points
CitiCostco Anywhere Visa
3% cash back
Wells FargoAutograph Card
3X points

Holland America

USA

Travel

Date

2026-02-08fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.chase.com/travel

Reward Details

Amount

Earning Rate

3500 USD8X

Rewards

28000 Ultimate Rewards Points

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1q7edyl/best_cruising_cards_for_2026/o4fzv7r/Read more

Holland America

USA

Travel

Date

2026-01-07fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.hollandamerica.com/en/us/

Reward Details

Amount

Earning Rate

100 USD3% Cash Back

Rewards

3 USD

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1q7edyl/best_cruising_cards_for_2026/nyf7pzz/Read more

Holland America

USA

Travel

Date

2026-01-07fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.hollandamerica.com/en/us/

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 Points

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1q7edyl/best_cruising_cards_for_2026/nyevrea/Read more

Quick Rewards Guide for Holland America

💡 Top Performing Card: The community-verified best credit card for Holland America purchases is the Chase Sapphire Reserve. Transactions on this card consistently earn 8X Ultimate Rewards points by coding in the "Travel" category.

🔍 Merchant Category Coding (MCC): Holland America transactions most frequently code as "Travel". Ensure your chosen card offers high multiplier rewards for this category to maximize your cash back or travel points.

💳 Maximize Online & App Bookings: For online or mobile app purchases at Holland America, checkout options like PayPal, Apple Pay, or purchasing digital gift cards can sometimes trigger alternative bonus categories (like 5% quarterly rotating categories) that outperform standard card multipliers.

Frequently Asked Questions

Q:What category does Holland America code as on credit cards?

Based on community data points, Holland America transactions primarily code under the "Travel" category. However, coding can vary depending on whether the purchase is made online, through a third-party gateway, or via an app.

Q:Which credit card is best to use at Holland America?

The Chase Sapphire Reserve is highly recommended, as it has been verified to earn 8X Ultimate Rewards points on Holland America. Any card offering 3% or more cash back (or 3x points) on "Travel" purchases will also deliver excellent value.

Q:Does Holland America code differently depending on the card network?

Yes, Visa, Mastercard, American Express, and Discover maintain separate merchant category databases. While Holland America usually codes as "Travel" consistently, international purchases or transactions paid through digital wallets may experience slight category variations.