Same here. I pay for entire cruises with the AARP cards. When an Alaska cruise costs 5k that 500 dollar savings isn't chicken feed! I go in with the understanding that if the cruise is cancelled, as happened during covid, all I am getting back is gift card refund and that is fine. Carnival has always made me whole with gift card refunds, much faster now than during covid fun times of course. And on top of the 10 percent I get another 3 percent for using my BofA cash rewards visa for a total of 13 percent off.