Should I pay for my cruise with a credit card?

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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“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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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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To ensure you are not charged by your phone company on your cruise, you have two choices: Turn off your phone as soon as your cruise ship leaves port, or, if you want to use offline applications, put your phone into airplane mode.

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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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If you want to manage your budget more effectively, it's a good idea to prepay your gratuities for your Princess cruise. The only time you would be better off waiting is if you want to use any onboard credit towards the gratuity amount.

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But most cruise lines also give you the option to prepay your gratuities – paying for them in advance. You can sometimes add this option as you book your cruise, otherwise, you would log into your account with the cruise line and add them on once the booking has been made.

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Why Are Cruise Ships Cashless ? Cruise ships do not accept cash onboard because all onboard purchases are charged to passengers personal cruise accounts. Cruise accounts are usually connected to a credit or debit card which is much easier for the cruise lines to process.

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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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Like most things in life, paying cash is the simplest route. It means you'll avoid paying interest charges. Setting up a travel savings account is an ideal method for socking away money. Once your savings account is established, keep that money separate from your other accounts and don't dip into it for anything else.

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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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Your auto-gratuities will cover all waitstaff in the main dining room, buffet restaurants and specialty dining venues alike. If you dine at the same table and enjoy regular service from one or two particularly excellent waiters, consider leaving an additional $10 to $20 at the cruise's end.

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How much to tip your waiter. Main Dining Room waiting staff tend to be covered in daily gratuities, but for people who like to tip extra, an average is usually $100 per week. Some people prefer to tip on a per-meal basis, and tend to weight the tips more for dinner – $20 per dinner, $10 for lunch and $5 for breakfast.

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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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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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How much you tip on cruise excursions is entirely up to you, but a suggested starting price is $3 per person for a half-day tour and $6 per person for a full-day tour for the guide and $1 to $2 for the bus driver. You can, of course, increase that amount based on your experience on the excursion.

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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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Prices for cocktails on cruise ships usually run about $10-14 per drink, before gratuity. So expect to spend about $12 to $16.50 per beverage when gratuity is added.

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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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