Cruisetours leave little time for much of anything to the Arctic Circle. I do not recommend the round trip bus trips, too long for getting a photo at a sign.
You also have to realize, there are probably a hundred "Arctic Circle" options. I think a very good one is the one way fly up to Coldfoot and return by shuttle- or reverse. Again, you need a full day to do this, which the cruisetours, usually do not give you. I have done many flights and tours going over the circle, for scenery Anaktuvak Pass can't be beat.
So I suggest you look at the overall itinerary you want to consider, and consider a one way with Fairbanks- then add at least another day or two. BE very selective in your cruisetour anyway, and know exactly what you are purchasing, most people do not.