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Do credit cards work on cruise ships?

On embarkation day, an initial bank hold of up to $200 (depending on cruise length) is placed on all credit card and debit card accounts to verify that the card is valid: 2 - 6 day cruise: $100 USD for each stateroom charged using the same credit card or debit card.



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You will most likely need cash while you're off the ship, especially in foreign ports. Not only can it save you money in foreign transaction fees that most credit card companies charge, but if you're traveling to certain parts of the world, you may encounter places where credit cards aren't accepted.

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Most passengers put the charges on a credit card, which is often the quickest and most convenient method.

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  • Top credit cards for cruises.
  • Chase Sapphire Preferred® Card.
  • Capital One Venture Rewards Credit Card.
  • Bank of America® Premium Rewards® credit card.
  • U.S. Bank Altitude® Connect Visa Signature® Card.
  • The Platinum Card® from American Express.
  • Branded cruise line credit cards.


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Debit card This method of payment is not recommended. If you use a debit card, a request for pre-authorization will be made by the cruise line to ensure the availability of funds. This request will freeze the pre-authorized amount for up to 30 days.

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If you plan to remove tips from your onboard bill, you will need to plan in advance to bring enough cash for personal tipping, then wait in a potentially long line at the guest services desk to remove the auto-gratuities and chase down all the crew members you wish to thank on the last evening.

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Use the ship's safe, or bring your own. When not in use, your jewelry and cash should be kept in a safe. Every cruise ship cabin comes with a safe; there also are portable safes you can purchase for added security. (Crewmembers, like any hotel staff, have the ability to open your safe in the event you're locked out.)

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Many people suggest $100 per day, and this has generally worked well for me in my cruising experiences, but there are a lot of variables to consider.

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In general, plan on giving $16–$23 in gratuities per day for each passenger. Note that the amount should be tabulated for each individual in your party—don't try to tip once per couple or group. So if you're planning to go on a 7-day cruise, expect to give a total of between $112 and $161 per person in gratuities.

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Most slot machines will just take your cruise card, but some will also take cash. Very few cruise ship casinos are cash-only but a few do exist. (Windstar and Silversea are examples.)

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On embarkation day, an initial bank hold of up to $200 (depending on cruise length) is placed on all credit card and debit card accounts to verify that the card is valid: 2 - 6 day cruise: $100 USD for each stateroom charged using the same credit card or debit card.

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Do I need a passport? We recommend that everyone taking a cruise from the United States have a passport book. Though some “closed-loop” cruises may not require a U.S. passport, we recommend bringing yours in case of an emergency, such as an unexpected medical air evacuation or the ship docking at an alternate port.

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On embarkation day all the cruise lines sell lanyards in various places and in at least one onboard store after that. If you want a lanyard branded to Royal Caribbean, Carnival, MSC, or any other cruise line, you can get one, but you will generally pay $15 to $20 each and may not have a lot of choices.

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61% tip their stateroom attendant an additional $20–$40 per couple per week, 26% tip $40–$70, and 13% tip an additional $70–$140. The average amount tipped to the head waiter was an additional $20–$50 per week per couple.

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If your cruise steward goes above and beyond, a cash tip at the end of your stay to show your appreciation. We recommend tipping your cruise steward $3-5 per person daily.

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Pre-paid gratuities means that we {Cruise Specialists} have negotiated a special offer for you and you are not expected nor will you be charged for tips. On most big-ship mainstream lines, the service crew members are dependent on the generosity of travelers for the vast majority of their salary.

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As mentioned above, not all members of the ship staff receive a share of the gratuities paid by passengers. Bartenders, main show entertainers and third-party shop employees are some of the more obvious ones, but they're not the only ones.

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Here are some of the major things you don't need to pack for a cruise.
  1. Soap and Other Toiletries. Most ships are equipped with soap, shampoo, conditioner, lotion and shower caps. ...
  2. Hair Dryer. Ships all come equipped with hair dryers. ...
  3. Clothesline. ...
  4. Beach Towels. ...
  5. Dirty Laundry Bag. ...
  6. Books. ...
  7. Snacks. ...
  8. Booze.


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Documents needed for cruisers to board a ship
  1. Identification. ...
  2. Boarding passes. ...
  3. Health information. ...
  4. Visas and other destination-specific documents. ...
  5. Cruise line luggage tags. ...
  6. Permission to travel. ...
  7. Other travel information. ...
  8. Emergency contacts.


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For sailings departing from U.S. homeports, an official US state-issued Birth Certificate is also accepted.

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