Hello
This is my first post here. I've been obsessing about the following and going in circles as a result. Along with over-thinking things, I'm terrible at math so that is probably my problem.

All things being equal (same cruise line/itinerary, cost of cruise pp, same category room, same location, etc)... I've even used cruisecompete and all the agencies along with the airline portals all quote the same rate. The only difference is the extras. We're considering a basic outside cabin @ $827 pp.

If I book with United Cruises, it says I will earn 3000 miles which will double if I use my Chase Explorer card. No OBC or any other promos. I don't fly a lot so 6000 miles is a pretty decent score for me. The other airlines portals earn bonus miles but it looks like United's is the most lucrative.

If I choose one of the online cruises agencies through cruisecompete, the best extras I found included $118 OBC/cabin. I guess I would just earn the standard miles/$$$ depending on which credit card I use. I do have a Chase Sapphire so I guess I could get 2x with that card?

This is obviously a stupid question but which would you choose? Thx to anyone who might want to give me their opinion!