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Is it better to take cash or card on a cruise?

We recommend paying for on shore purchases that are over $10 with a credit card to reduce the amount of cash you need to carry when off-ship and for a good record of your purchase, and use pocket change or local currency for the rest.



People Also Ask

What payment methods are accepted to pay for on-board purchases?
  • Credit card. This is the simplest and most used method of payment. ...
  • Cash or traveller's cheques. If you don't have a credit card, you can pay with cash, traveller's cheques or a debit card. ...
  • Debit card. This method of payment is not recommended.


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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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From what I can gather, the average weight gain on a weeklong cruise ranges from 5-10 pounds. That's quite a bit depending on your size. 10 pounds on a 150-pound person is 6.7% of total body weight which can have a significant effect on blood sugar, blood pressure, and blood lipids.

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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. Don't forget to factor those charges into your overall vacation budget.

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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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To recap, the single best way to pay for a cruise booking is either by bank transfer or a credit card (if you can pay the balance in time).

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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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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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We dove into detail about spending on a cruise ship before. Cruise lines also break down how much cruise passengers spend in their financial reports. On average across cruise lines, the amount comes out to between $90-130 per person, per day.

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On most cruises, you'll be able to use both cash and your cruise card. At the tables, your cash will be turned into chips or you can charge the price of the chips on your cruise card. Most slot machines will just take your cruise card, but some will also take cash.

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13 Tips for Finding Cheap Cruise Deals
  1. Don't Wait for Last-Minute Cruise Deals on High-Season Sailings. ...
  2. Hunt Down Shoulder Season and Repositioning Cruise Deals. ...
  3. Use Cruise Critic's Deal Score to Know When a Deal is Really a Deal. ...
  4. Bundle Up for the Best Cruise Deals. ...
  5. Ask for a Price Drop Credit When Cruise Fares Change.


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When you arrive at the Port Authority Security in the cruise terminal, you will pass a security checkpoint where all carry-on luggage goes through X-rays and other baggage is checked in. All checked bags on cruise ships are scanned.

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To buy drinks on the ship you don't need cash or a credit card. In most cases you simply hand over your room keycard, which acts as a charge card for your onboard account. (Sometimes you simply give your room number and the staff charges your account that way.)

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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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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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While the automatic service charges will cover their basic gratuities, it's generally considered good form to tip them a bit extra for a job well done, especially if you have made any special requests. Should you choose to, for a seven-night cruise, consider tipping about $2 to $3 per person, per day.

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