Carnival Cruise Line Credit Card: Is It Worth Getting?
Introduction
Hello Friends! If you’re a frequent cruiser with Carnival Cruise Line, you may have been offered their credit card while on board or seen advertisements for it online. But is it really worth signing up for? In this article, we’ll take a closer look at the Carnival Cruise Line credit card and explore its benefits, drawbacks, and overall value.
What is the Carnival Cruise Line Credit Card?
The Carnival Cruise Line credit card is a co-branded credit card offered by Barclaycard in partnership with Carnival Cruise Line. It allows cardholders to earn rewards points that can be redeemed for cruises, onboard credit, merchandise, and more. The card also offers perks like priority boarding, free checked bags, and a sign-up bonus.
How to Sign Up for the Carnival Cruise Line Credit Card
If you’re interested in applying for the Carnival Cruise Line credit card, you can do so online through the Barclaycard website. You’ll need to provide personal information like your name, address, and Social Security number, as well as your annual income and employment status. Approval for the card depends on factors like your credit score and income.
Carnival Cruise Line Credit Card Rewards
One of the primary benefits of the Carnival Cruise Line credit card is the rewards program. Here’s how it works:
Earning Points
With the Carnival Cruise Line credit card, you’ll earn two points for every $1 spent on Carnival Cruise Line purchases and one point for every $1 spent on all other purchases. Points are earned on a net spend basis, which means returns and credits will reduce your point balance.
Redeeming Points
Points can be redeemed for a variety of rewards, including:
- Carnival cruise trips
- Onboard credit
- Excursions and tours
- Hotel stays
- Airfare
- Gift cards
- Merchandise
The value of each point varies depending on the redemption option. For example, one point is worth $0.01 towards cruise redemptions, but only $0.005 towards merchandise redemptions.
Sign-Up Bonus
Currently, the Carnival Cruise Line credit card offers a sign-up bonus of 10,000 points after you make your first purchase with the card. This bonus is worth $100 if redeemed towards a Carnival cruise.
Special Offers
From time to time, the Carnival Cruise Line credit card may offer special promotions or deals to cardholders. These might include discounts on cruises or extra points for certain purchases.
Carnival Cruise Line Credit Card Benefits
In addition to the rewards program, the Carnival Cruise Line credit card offers a number of benefits and perks. These include:
Prioritied Boarding
Cardholders can enjoy expedited boarding on all Carnival Cruise Line ships, which can save you time and hassle at the embarkation port.
Free Checked Bags
When you use your Carnival Cruise Line credit card to book your cruise, you’ll get the first two checked bags for free. This can be a significant savings, especially if you’re traveling with a group or bringing lots of luggage.
Carnival World Mastercard Benefits
The Carnival Cruise Line credit card is a World Mastercard, which means it comes with a range of additional benefits like trip cancellation insurance, rental car insurance, and more.
Carnival Cruise Line Credit Card Fees
Like most credit cards, the Carnival Cruise Line credit card has fees that you should be aware of. These include:
Annual Fee
The Carnival Cruise Line credit card comes with a $0 annual fee, which is a nice benefit considering many rewards cards charge hefty annual fees.
Foreign Transaction Fee
The Carnival Cruise Line credit card charges a 3% fee on all transactions made outside of the United States. If you frequently travel abroad, this could add up quickly.
Balance Transfer Fee
If you need to transfer a balance from another credit card to your Carnival Cruise Line credit card, you’ll be charged a 3% fee on the amount transferred.
Cash Advance Fee
If you use your Carnival Cruise Line credit card to get cash from an ATM or bank, you’ll be charged a cash advance fee of either $10 or 3% of the amount advanced (whichever is greater).
Late Payment Fee
If you don’t pay at least the minimum amount due on your Carnival Cruise Line credit card by the due date, you’ll be charged a late payment fee of up to $39.
The Pros and Cons of the Carnival Cruise Line Credit Card
So, is the Carnival Cruise Line credit card a good deal? Here are some of the pros and cons to consider:
Pros
- Earn rewards points on all purchases, with bonus points for Carnival purchases
- Redeem points for cruises, onboard credit, and more
- Prioritized boarding and free checked bags on Carnival cruises
- No annual fee
Cons
- Foreign transaction fee of 3%
- Balance transfer fee of 3%
- Only earn bonus points on Carnival purchases
- Low redemption value on merchandise
Conclusion
Overall, the Carnival Cruise Line credit card can be a decent option for frequent Carnival cruisers who want to earn rewards and enjoy perks like prioritized boarding and free checked bags. However, the card’s foreign transaction fee and limited bonus categories may not make it the best choice for everyone. As with any credit card, it’s important to read the fine print and decide if the benefits and costs are worth it for your particular situation. Happy sailing!
Thank you for reading! Don’t forget to check out our other articles for more travel and finance tips.
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