As with any travel "packages," take the claims with a grain of salt, and compare your options. People love to tell you how much stuff they got for free. They sometimes forget to tell you that that $200 in champagne they got was on a $8,000 vacation.

The Chase Freedom Unlimited gives 5% back on all travel booked at the portal. With CSR, that is 7.5% or more. I booked one through Chase. They use the same prices and perks as the cruise line. It was cancelled due to COVID. They followed the exact same policies as the cruise line. Refunded without hassle. For an $8,000 vacation at 7.5%, that is $600 back, plus any other perks already available.