Cash vs credit card for onboard spending

I have read many comments where it is suggested that it is better to use cash for your onboard account and not a credit card, but I have not understood why. Can anyone help me with the advantages vs disadvantages, thanks 🤔

Tags: Cash vs credit

14 Answers

Being single, and travelling on NCL, I will initially use my debit card. When on board, go to the Cruise Next desk, and deposit $500.00 on a future cruise, and they give you $250 OBC credit. As I'm on a B2B, I'll do the same the second week. As a result, I'll have a $1,000 credit towards future cruises, and a total of $500 free for my OBC expenses.

We always use a credit card, not cash when setting up our account. In the past, we've had some onboard credit already in our account, and we've had very little for a balance at the end of our cruise. We don't tend to buy anything on the ship except for an occasional photo or something that we may see in a gift shop. We don't buy drinks, pay for specialty restaurants or buy from the coffee shop, so our OBC is generally enough for us. Gratuities and excursions are paid for before we cruise.

At home, every purchase goes on a credit card (never a debit card) and we pay the bill in full every month. We’re not impulse buyers so there are never any “surprises” when the statement comes. So, on a ship, we always link our account to a credit card. Like on land, we’ve never had a surprisingly large bill at the end (some cruises there’s almost no onboard spending at all) and always pay the credit card in full at the next billing period. Plus, we earn airline miles for everything we purchase to get us to our next cruise! Happy

I will use my credit card for the charges but will pay it off with cash the last night. On a rare occasion I will have to leave charges to the credit card.

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