Should you take cash or card on a cruise?

Cash or Card on a Cruise? Navigating the Seas of Payment Options

Embarking on a cruise is a joyous experience, filled with delicious meals, exciting shore excursions, and endless entertainment. But as you pack your bags and prepare for your voyage, a crucial question arises: Should you bring cash or rely solely on your credit cards?

While the answer might seem straightforward, understanding the nuances of onboard payment options can save you time, money, and hassle. Here’s a breakdown to help you navigate the seas of cruise payment:

The Case for Cards:

• Convenience: Credit cards reign supreme when it comes to onboard purchases. They eliminate the need to carry bulky amounts of cash, freeing up space in your wallet and your mind.
• Security: Credit cards offer greater security compared to cash. If lost or stolen, you can quickly report the incident and minimize potential financial loss.
• Broad Acceptance: Nearly all onboard purchases, from meals and drinks to souvenirs and spa treatments, are readily accepted by credit cards. This allows you to enjoy the cruise experience without worrying about payment limitations.
• Rewards and Points: If you use a rewards credit card, you can rack up points or miles for your spending, potentially offsetting the cost of your vacation.

The Case for Cash:

• Gratuities: While many cruise lines automatically charge gratuities to your credit card, some prefer a cash approach. You can tip your room steward, bartenders, and other service staff directly, ensuring they receive the recognition they deserve.
• Shore Excursions: While many shore excursions accept cards, some local vendors may prefer cash. Having some local currency on hand can prove beneficial for spontaneous purchases or last-minute shopping.
• Emergency Funds: In the unlikely event of a credit card issue, having a small amount of cash readily available provides peace of mind.

Navigating the Waves:

• Onboard Accounts: Many cruise lines offer the convenience of setting up an onboard account linked to your credit card. This lets you charge all your purchases and settle the bill at the end of your voyage.
• Automatic Gratuities: Be aware that most cruise lines automatically charge daily gratuities to your onboard account. You can usually adjust these charges or opt for a cash approach.
• Currency Exchange: If you are travelling internationally, consider exchanging currency for onboard purchases. You can find currency exchange bureaus on most cruise ships or at the port before boarding.

Ultimately, the best approach depends on your personal preferences and travel style. Bringing a mix of cash and credit cards allows you to enjoy the flexibility and convenience of both payment methods, ensuring a seamless and stress-free cruise experience. So, pack wisely, sail smoothly, and enjoy your journey!