Photo: Derek Gebelhardt
Best price or best value? Virgin Voyages on Costco Travel vs. a First Mate
Virgin Voyages started selling through Costco Travel this fall. People often look for the best price, and that is not the same thing as the best value. If price is the only thing you care about, Costco may be the better fit for you, and I will say so below. If you want the best value and the best trip, here is why you should book with me.
The short answer
- The fare is the same either way. Virgin sets it. Costco does not make the cruise cheaper, and neither do I.
- Costco pays you back a little after the cruise, as a shop card emailed about ten days after you sail, plus the Executive 2% if you have it.
- A First Mate pays you back before, during and after: onboard credit you know about up front, a cabin picked by hand, offers stacked correctly, and the same person answering every time plans change. No planning fee.
Who should book where
I understand wanting the best price. I just want you to pick on purpose. Here is the honest split.
- You hold an Executive membership and want the 2% reward on top of the shop card
- You are booking a simple sailing with no My Next Virgin Voyage deposit and no Sailing Club status to apply
- You do not care which cabin you end up in
- You are comfortable completing the booking by phone and handling changes through a call center
- A rebate in store credit matters more to you than anything else on this page
- You want a specific cabin, or at least a quiet one, picked by someone who knows the ship
- You have an MNVV, Sailing Club or Deep Blue Extra status, or a promotion you want stacked correctly
- You are considering a RockStar suite, an upgrade bid, a back-to-back or a group
- You want to know your onboard credit before you pay a deposit, not after you sail
- You want one person who knows your booking to call when something changes
What Costco actually gives you
Costco members get real things. I want to be accurate about what they are, and about one thing people get wrong.
A Digital Costco Shop Card
Costco’s terms say the amount “will be calculated during the booking process,” that it “may not be combined with any other promotion,” and that it arrives by email “approximately 10 days after the start of your cruise” (Costco Travel). One sailor who documented a Scarlet Lady booking on r/VirginVoyages reported cards worth roughly 2.5% of each leg’s fare, and noted gratuities were not included in the calculation.
A launch shipboard credit
Through November 25, 2026, Costco is advertising a shipboard credit of $50 per stateroom on 4 to 5 night sailings, $100 on 6 to 9 nights, and $200 for Sea Terrace and above on 10 nights or more, for sailings departing at least 121 days out (Costco Travel launch offer). If those tiers look familiar, it is because they closely mirror the Virtuoso Sailor Loot a First Mate can already attach to an eligible booking. The credit is not the differentiator.
Executive Member 2% reward
This one is real and Costco-only. If you hold an Executive membership, Costco Travel purchases count toward your annual 2% reward certificate.
What booking looks like today
Costco’s Virgin pages list starting fares, but to complete a reservation they direct you to call. The partnership is brand new and the process will likely improve, but it tells you where their expertise sits right now.
To be fair to Costco, a new product always has a learning curve. But the sailor in that thread spent several hours doing the work a First Mate does for free, and was candid that their own First Mate had mostly sent booking links. That is not what you should accept from anyone, including me.


Photos: Derek Gebelhardt
What you get with me
Not every First Mate works the same way. Here is what working with me looks like, and why I think it is the better value for most sailors.
The same person, every time
Unlike a call center, you get the same rep, the same person, with the same experience servicing your booking from the first question to the last morning on board. I know your cabin, your promotions, your dates and your travel companions because I set them up. You never re-explain your trip to a stranger, and you never wait in a queue to find out what was already done.
Onboard credit you know about up front
On eligible bookings made at least 121 days before sailing, I attach Virtuoso Sailor Loot, which is tiered by voyage length and combinable with select Virgin offers. You know the amount in writing before you pay a deposit, not ten days after you sail, and I tell you exactly which Virgin promotions it does and does not stack with. The details are in my Sailor Loot vs Bar Tab guide.
A cabin picked by hand
I know which cabins sit above The Manor and the Red Room, which ones hear the Galley carts in the morning, and which Sea Terraces on each ship are the quiet ones. The sailor in that Reddit thread had to talk a Costco agent out of a Deck 8 cabin. You should not have to do that work yourself. Start with my cabin chooser and the deck plans.
Offers stacked correctly
Virgin runs overlapping promotions, loyalty perks through Sailing Club and Deep Blue Extra, MNVV deposits and Bar Tab bonuses. Knowing which combine, in what order, is where real value lives. I check Virgin’s current offers every day. Costco’s shop card, by their own terms, “may not be combined with any other promotion.”
Your MNVV stays usable
If you bought a My Next Virgin Voyage deposit on board, Virgin attaches it to the First Mate on record. Booking with me means it applies cleanly. If yours is sitting with an agent you no longer work with, tell me and I will walk you through getting it moved.
Someone who services the booking
Fare adjustments under Virgin’s 48-hour fare guarantee, date changes, adding a sailor, bidding on a suite upgrade, a cancelled voyage and the credit that follows: these are the moments when a phone queue costs you real money. You text or email me and I handle it. If something goes sideways while you are on board, you have my number.
Tools you can use right now
The budget planner, Bar Tab calculator, upgrade bid guide, port guides and the Happenings Cast lookup are free on this site, whether or not you ever book with me.
You are supporting a small business
At Ease Travel Co. is a veteran-owned small business, not a warehouse club’s travel desk. When you book with me, you are supporting one person who is accountable to you by name, who tries to travel and recommend with sustainability in mind, and who will still be here for your second and third voyage.
What I do on every Costco-versus-me conversation
- I put both options in writing, including what Costco’s shop card and credit would be for your sailing, so you can decide with the facts.
- I confirm your Sailor Loot amount and which Virgin promotions it stacks with before you pay a deposit.
- I hold your cabin while you decide, where Virgin allows it.
- If Costco is genuinely the better fit for you, I tell you. I would rather you trust me on the next one.
I don’t compete on price, and I won’t ask you to pick an advisor by who rebates the most. Virgin sets the fare. What I compete on is whether your trip goes the way you pictured it, and who picks up the phone when it doesn’t.
“This was our first time doing a cruise with Virgin, so we had questions regarding the rooms and Sailor Loot. The booking process was easy and we got bonus sailor loot by booking with him. He also let us know when restaurant reservations opened so we could get our first choices in time.”
Brandon H., Virgin Voyages, first-time Sailors, June 2024. Read all 38 reviews on Fora.
Where sailors actually lose money
The fare is identical either way, so the real money is in everything around it. These are the six places I see it go.
- A noisy cabin you cannot change. Under a venue, next to a crew door, or above a late-night space. Avoidable with the cabin chooser.
- A promotion that did not stack. Virgin’s offers, Sailor Loot, Bar Tab bonuses and loyalty perks have rules about combining. Current combinations are on my offers page.
- An MNVV left unused. It only works with the First Mate on record, and it expires.
- An upgrade bid that overpaid. Bidding without knowing what the next cabin category actually sells for. My upgrade bid guide walks through it.
- Bar Tab that went unspent. It is not refunded. Size it with the calculator first.
- A fare drop nobody caught. Virgin’s 48-hour guarantee only helps if someone is watching.
Where Costco honestly wins
If you hold an Executive membership and you are booking a straightforward sailing with no MNVV, no loyalty status and no strong cabin preference, Costco’s 2% reward plus the shop card is a modest, real rebate I cannot replicate. Independent advisors do not rebate commission, and I do not run advisor-versus-advisor price matches. If store credit that arrives after the cruise matters more to you than everything above, Costco is a reasonable choice, and I mean that.
For everyone else, do the math honestly: a shop card and reward certificate that arrive weeks after you sail, versus credit you can spend on board, a cabin you will not regret, perks stacked correctly, and one person picking up the phone when plans change.
Side by side
| Costco Travel | At Ease Travel Co. (First Mate) | |
|---|---|---|
| Fare | Virgin’s published fare | Virgin’s published fare |
| Onboard credit | Launch shipboard credit through 11/25/26, tiered by voyage length, 121+ days out | Virtuoso Sailor Loot on eligible bookings, tiered by voyage length, 121+ days out, confirmed in writing before deposit |
| Rebate after the cruise | Shop card emailed about 10 days after sailing starts; Executive 2% reward | None. Independent advisors do not rebate commission |
| Costco Visa 3% | Yes | Yes. Citi applies it to cruise lines and travel agencies |
| How you get a price | Call to complete the reservation | Email, text or a short online consultation; quote in writing |
| Who you deal with | Whoever answers the phone | The same person every time |
| Cabin advice | General | Ship-specific, deck by deck |
| MNVV deposit | Tied to your First Mate of record | Applies directly |
| Stacking promotions | Shop card “may not be combined with any other promotion” | Reviewed and applied by someone who tracks Virgin’s offers daily |
| After you book | Costco Travel phone line | Direct line to me, before and during the trip |
| Who you support | A warehouse club | A veteran-owned small business |
| Planning fee | None | None |
Questions to ask anyone selling you a Virgin cruise
Use these with Costco, with Virgin directly, with me, or with any other First Mate. The answers tell you who is actually going to look after your trip.
- Can you tell me my onboard credit, in writing, before I pay a deposit?
- Which cabin are you recommending, and why that one?
- Which Virgin promotions apply to this sailing, and do they stack with your credit?
- Can you apply my MNVV deposit, Sailing Club or Deep Blue Extra status?
- Can the cabin be held while I decide?
- Who do I contact after booking, and is it the same person each time?
- What happens if the fare drops, the itinerary changes or the voyage is cancelled?
Already booked somewhere else?
If you booked directly with Virgin, Virgin can move the reservation to me within 30 days of when it was made, as long as it is not paid in full. Send me your booking number and sail date through my planning form and I will handle the request. If you have an MNVV sitting with another First Mate, tell me and I will walk you through getting it moved. If you have already booked through Costco and are happy, keep it, and use the free tools on this site to make the most of the trip.
How I get paid
Virgin pays me a commission on the bookings I make, the same way it pays Costco. The fare is the same whether you book direct, through Costco or through me, and I charge no planning fee. You do not pay more to work with a specialist.
Quick answers
Is Virgin Voyages cheaper through Costco Travel?
No. The fare is Virgin’s published fare either way. Costco adds a Digital Costco Shop Card after the cruise and, through November 25, 2026, a launch shipboard credit. Executive members also earn their 2% reward.
Does Costco give Sailor Loot?
Costco’s launch offer includes a shipboard credit tiered by voyage length for sailings at least 121 days out. Virtuoso Sailor Loot is a separate benefit attached by a Virtuoso-affiliated First Mate on eligible bookings, also tiered by voyage length and 121 days out. The two are not combined.
Can I use my MNVV deposit if I book through Costco?
An MNVV bought on board is attached to the First Mate on record. A sailor on r/VirginVoyages reported that Costco could not apply theirs. If yours is tied to a First Mate you no longer work with, contact me and I will walk you through getting it moved.
Do I pay more to book Virgin Voyages with a First Mate?
No. The same cabin, fare type and promotion is the same fare with me as on virginvoyages.com or through Costco, and I charge no planning fee. Virgin pays my commission.
Can I still earn Costco Visa cash back if I book with you?
Yes. Citi’s terms apply the 3% travel category to travel agencies and cruise lines, not only to Costco Travel.
When does the Costco shop card arrive?
By email, approximately 10 days after the start of your cruise, according to Costco Travel’s terms. It may not be combined with any other promotion.
Can I move a Virgin Voyages booking to a First Mate?
If you booked directly with Virgin, usually yes, within 30 days of when the booking was made and as long as it is not paid in full. Send me your booking number and sail date and I will handle the request.
Why does a First Mate recommend booking 121 days out?
Both Costco’s launch credit and Virtuoso Sailor Loot require the sailing to be at least 121 days away when you book. It is also the point where final payment is due and Shore Things open, so booking before it gives you the most options.
Sources I checked
Offer terms change. I checked these on November 8, 2026, and you should confirm anything time-sensitive with me before you rely on it.
- Costco Travel: Virgin Voyages launch offer (shipboard credit tiers, 121-day rule, book by 11/25/26)
- Costco Travel: Virgin Voyages sailing page (Digital Costco Shop Card terms)
- Citi: Costco Anywhere Visa cash back categories
- Virgin Voyages: 48-hour fare guarantee
- r/VirginVoyages: “Booking with Costco Travel” (one sailor’s first-hand account)
At Ease Travel Co. is an independent travel advisory affiliated with Fora Travel, a Virtuoso member agency. Virgin Voyages, Scarlet Lady, Valiant Lady, Resilient Lady and Brilliant Lady are trademarks of Virgin Voyages. Costco and Costco Travel are trademarks of Costco Wholesale Corporation. At Ease Travel Co. is not affiliated with Costco.
Want the best value, not just the best price?
I’m a Top 100 Virgin Voyages First Mate (2024 and 2025). Virgin sets the fare, so the same cabin, fare type and promotion is the same fare with me as on virginvoyages.com or through Costco, and I charge no planning fee. What you get is a person: I hand-pick your cabin where your fare allows, confirm your Sailor Loot in writing, stack every promotion you qualify for, and answer your texts before and during the trip. Same rep, same person, every time.
Derek Gebelhardt, At Ease Travel Co. · derek@ateasetravel.co · 202-802-0990. Eligible bookings made at least 121 days before sailing also get Virtuoso Sailor Loot. The amount depends on voyage length, and I confirm yours in writing before you pay. I make sure you get every perk your booking qualifies for, including what stacks with Virgin’s current promotions.