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Each gift card will come with restrictions on how many are able to be purchased at once. The “Premium” items like Carnival gift cards had a limit of 25 per month. The non-premium cards had a lower limit of just five gift cards per month. If you don’t yet have an AARP account, first you’ll need to register.
You can book cruise travel via the AARP Travel Center Powered by Expedia
A search for river cruises in Asia in 2024 and 2025 turned up more than 300 sailings on AmaWaterways, Avalon Waterways and Uniworld, most 12 to 14 nights in length with prices ranging from $6,999 to $8,399 per person. What I discovered is that the $200 onboard credit deal with AARP links directly to Holland America's website for booking and is valid only for balcony and suite bookings on select cruises lasting 10 days or more. More than a decade later I'm still not retired, but this assignment gave me an excuse to finally join AARP. When I did, I took a look at the perks of membership to see which benefits would be useful to my travel plans.
How do I redeem my AARP Rewards points?
When we went ahead and joined as paying members (the charge is just $12 a year), we were able to sign-up with no issue. Once signed up, we were able to access all the gift cards available. So the $100 gift cards sell for $90 via AARP and the $500 cards sell for $450.
Hotels
In all, I found thousands of sailings offered by most major cruise lines through mid-2025. Verizon is another option for receiving up to 10% off Carnival gift cards, but it relies on you being a Verizon customer and having rewards points to spend. If you are a Verizon customer then this is better than using AARP since you don’t have to pay any extra. Once again, the AARP Travel Center seems to be an efficient aggregator, pulling deals from Expedia's booking engine. River cruise fares also are eligible for a $50 or $100 onboard credit.
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When I searched for Caribbean cruises during the period from Jan. 1 to April 30, 2024, the booking engine returned more than 800 options offered by 13 cruise lines. This Western Caribbean itinerary calls on Cozumel, Mexico; Roatan, Honduras; Costa Maya, Mexico; and Harvest Caye, Belize, with two sea days. AARP Rewards points can be redeemed for sweepstakes entries, gift cards, local deals and discounts to your favorite stores. You can also purchase discounted gift cards to top brands and save on everyday essentials, travel, dining and more. Members who sign up for AARP Rewards — which lets you earn points by taking knowledge-boosting quizzes or using fitness-tracking or money-crunching tools — can also purchase gift cards for five cruise lines at a 10% discount.
Earn Points
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Or if you have a cruise coming up and want to use the discount to save money, you can do that too. We’ll admit that it was a little confusing on how to find the discounted cruise gift cards at first. When creating a new account like we did, we suggest that once you register, go ahead and sign out, then close your browser. When we signed up, it seemed to not recognize our new account at first. Target sells Carnival gift cards, and provided you’re a Target Red member, you get the same 5% discount as you would on anything else purchased with the card. To access the cards, you need to log onto your Verizon Smart Rewards account on the Verizon website.
The ocean cruise options are fairly extensive but not deeply discounted
You can search for a cruise by using a drop-down menu of almost two dozen destinations (you have to pick one to search) and then plugging in your desired travel dates. When you join, you'll also get a second free membership for another adult in your household, as well as a monthly AARP Bulletin and the bimonthly AARP The Magazine. AARP Members earn 50 percent more points and can access exclusive members-only rewards. AARP is a nonprofit, nonpartisan organization that empowers people to choose how they live as they age. From soft jazz to hard rock - discover music's mental, social and physical benefits. As an interest group with tens of millions of members across the country, AARP is known for its influence.
It costs 1,000 points to get a 10% discount on a $100 card, and 500 points to get a 10% discount on a $50 card. Earning those points is easy as a Verizon customer – you’ll get 500 each month just for using paperless billing. However, this very much seems to be the exception, and most people who’ve bought from AARP and discussed their experience on forums and social media report almost instant delivery of e-gift cards.
I remember feeling insulted when right before my 50th birthday I received an invitation by mail to join AARP. "I'm nowhere near retirement," I thought as I crumpled it, mumbled something about ageism and tossed it in the trash. This was years after AARP (pronounced A-A-R-P with the letters sounded out) officially changed its name to its acronym. It was founded in 1958 as the American Association of Retired Persons, but as leading-edge baby boomers began retiring in their 50s, AARP started to engage with them to encourage younger membership. Redeem AARP Rewards points by logging into your AARP online account. From there, you can view your points balance and browse rewards to redeem your points.
One of the biggest groups of deals, however, is dedicated to discounted gift cards. There’s a way that you can purchase gift cards for Carnival, Royal Caribbean, Princess, and other cruise lines… all for a sharp 10% discount off their face value. This deal means you can save potentially hundreds of dollars off your next cruise. You can get discounted Carnival gift cards from select retailers and rewards programs. You pay a reduced rate for the gift card and can then apply that card to your Carnival account.
Some of these schemes cost money, but the amount you pay will be less than the value you can save on the gift card, so it still makes sense to sign up. But where do you get discount Carnival gift cards, and how do those discounts work? When you choose to apply (and are approved) for a new credit card through our site, we may receive compensation from our partners, and this may impact how or where these products appear. Please view our advertising policy and product review methodology for more information.
So, for a $500 gift card, you can do this twice and get $30 off your gas. Gift cards are usually sold in either $50, $100 or $500 denominations, so you can pay $450 to get a $500 gift card. For instance, Royal Caribbean only allows you to use the card for a new reservation. And you have to book the cruise, pay a deposit, and then email in a copy of the gift certificate to apply to your remaining balance. Before you buy the cruise cards, you’ll definitely want to read through all the fine print that’s provided on the AARP website about their use.