Do I need a debit card on a cruise?

A: During the time you are on the ship, you will not need to use cash or a credit card for each purchase—all incidentals, purchases and services will be charged to your stateroom folio. In port, you may wish to carry cash or a credit card to buy snacks and souvenirs.



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I generally recommend using credit cards when traveling. Find out if your card has any foreign transaction fees. Also, when you contact the customer service line you should notify them of your travel dates and countries you plan on visiting so any charges do not get flagged as potentially being fraudulent.

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How do I pay for purchases onboard? All onboard purchases are paid for using your cruise card, which doubles as your room key. This card is set up before boarding and serves as your ID to get on and off the ship, provides you access to your cabin and makes for easy swiping when you decide you need a pina colada.

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You probably won't need much actual cash while onboard, as many cruise lines will just charge purchases to your account. Even ship casinos these days have cashless credit systems. On nearly all cruises, passengers are given an itemized bill at the end of the trip listing all charged expenses.

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Most guests bring $50-$120 cash per day to spend during the cruise. You will have many opportunities to purchase duty free goods, take exciting shore excursions, buy local souvenirs, play your chance in the casino, or enjoy some pampering in the spa.

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Cruise Ship ATM's Charge Fees This can sometimes be as much as $5 or $10 per transaction. If you do find that you have to use onboard ATMs it's usually better to take out a greater amount of money rather than making multiple smaller transactions.

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The answer to this question varies a lot by person, their travel habits, spending preferences, length of the cruise and destination. Many people suggest $100 per day, and this has generally worked well for me in my cruising experiences.

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“I always want you to pay for a cruise with a credit card, never with a debit card,” Clark says. Aside from the better consumer protections credit cards offer, Clark points to another reason why you'd want to use a credit card to pay for your cruise.

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How much should you tip cruise waiter? The cruise gratuities cover the wait staff, so you're not obligated to give them any more of a cash tip. However, if you received outstanding service from a waiter and would like to show them your appreciation with a cash tip, $5 per day per passenger is the suggested amount.

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ATMs are typically available on board cruise ships belonging to major cruise lines like Carnival, Royal Caribbean, Norwegian, Celebrity, Holland America, Princess (& many others). However, most charge considerably higher fees for use in addition to any charges assessed by your bank.

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If you're not able to wait for ports of call (or don't have international data on your phone), it might be worthwhile to pay for a Wi-Fi package. Although prices have decreased over the years, it can still be pretty costly to purchase Wi-Fi for your cruise.

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The Best Credit Cards for People Who Love to Cruise
  • Chase Sapphire Preferred® Card: Best for Both Cruise and Travel Earnings.
  • Chase Sapphire Reserve®: Best for Travel Insurance.
  • United Quest? Card: Best Airline Card for Cruises.
  • Capital One SavorOne Cash Rewards Credit Card: Best No Annual Fee Card for Cruises.


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Using your cell on the ship For most people, the best piece of advice is to put your phone on airplane mode before your ship sets sail out of port. This prevents your cell from trying to stay connected, thereby eliminating roaming charges.

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How to Get Free Stuff on a Cruise: 8 Tips to Know
  1. Be Brave and Get Onstage for Free Prizes. ...
  2. A Spa Tour Just Might Come With Free Perks. ...
  3. Proving Your Cruise Line Loyalty for Free Stuff. ...
  4. Score Freebies Shopping on Your Cruise. ...
  5. Win Prizes at Onboard Trivia and Other Games. ...
  6. Attend an Art Auction for Free Bubbles.


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What to Pack for a Cruise
  1. Bring activity-appropriate clothing and shoes. ...
  2. Bring a Back Pack or Beach Tote. ...
  3. Bring Sunscreen and After-Sun Lotion. ...
  4. Bring Your Own Toiletries. ...
  5. Bring Medications for Upset Stomach and Motion Sickness. ...
  6. Bring an Underwater Camera. ...
  7. Bring Cash for Tipping. ...
  8. Bring a Portable Back Up Battery Charger.


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Strictly speaking, you don't need cash on a cruise ship. All onboard purchases are made using your onboard account, and then cleared at the end of the cruise, which you can do with your card. Some people choose to take cash for tips, or to spend while visiting ports. It's up to you whether you take cash with you.

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There are fees for accessing some areas of the ship, including limited-access sundecks and some spa pools. Services like laundry and dry cleaning, baby-sitting, baby care items ordered in advance, and some fitness classes may also show up on your bill as extras.

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So to cut a short story even shorter, whether visiting for a day off a cruise or taking a short break on one island, the best currency for the Caribbean is the US dollar. You shouldn't need any of the local currency.

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Pack one outfit for every day, or plan to do laundry on your cruise ship. I like to look for ways to reuse pieces to save space. For example, I'll dress up a top with a skirt or dress pants for dinner, then wear the same shirt with jeans in port the following day.

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