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

Cash vs. Card on a Cruise: A Guide to Convenience and Rewards

When embarking on a cruise, the question of whether to carry cash or rely solely on cards arises. While both options have their advantages, understanding the specific benefits of each can help you make an informed decision.

Benefits of Using Cards:

• Earn Rewards: Many credit cards offer rewards points, cash back, or other perks when used for purchases. By using your credit card on the cruise, you can accumulate points or cash back that you can redeem later for travel expenses or other rewards.
• Convenience: Cards are more convenient than cash as they eliminate the need to carry large amounts of money and reduce the risk of theft or loss. Most cruise lines accept major credit cards for onboard purchases, from dining to excursions.
• Ease of Transactions: Debit cards simplify transactions compared to cash. Instead of counting out bills or waiting for change, simply swipe your debit card to complete your purchases.

Drawbacks of Using Cards:

• Foreign Transaction Fees: If you’re using a credit card issued in a different currency than the cruise line’s home country, you may incur foreign transaction fees. These fees can add up if you make multiple purchases.
• Potential for Overspending: Credit cards can make it easy to overspend, especially if you’re not paying attention to your budget. Setting a spending limit or using a debit card with a linked checking account can help prevent overspending.

Benefits of Using Cash:

• No Transaction Fees: Using cash eliminates the risk of incurring any transaction fees. This is particularly beneficial if you’re traveling on a cruise line that doesn’t charge for on-board purchases.
• Budget Control: Cash imposes a natural limit on your spending as you can only spend what you physically have. This can help you stay within your budget and avoid overspending.

Drawbacks of Using Cash:

• Theft or Loss: Carrying large amounts of cash can make you a target for theft or loss. Cruise lines typically offer safes in cabins, but it’s still advisable to limit the amount of cash you carry.
• Inconvenience: Carrying cash can be inconvenient, especially if you’re carrying larger amounts. It also increases the risk of misplacing or losing money.

Recommendation:

For convenience, potential rewards, and ease of transactions, a credit card is the ideal choice for cruising. However, if you lack a credit card or are concerned about overspending, a debit card provides a secure and straightforward alternative.

To minimize the risks and maximize the benefits, consider the following:

• Bring a small amount of cash: Keep a small amount of cash on hand for emergencies or small purchases where cards may not be accepted.
• Use cards for major expenses: Charge large purchases like dining, excursions, and spa treatments to your credit card to earn rewards and avoid carrying cash.
• Monitor your spending: Keep track of your expenses and set a budget to prevent overspending, whether using cards or cash.

By following these guidelines, you can ensure a convenient and rewarding cruise experience while managing your expenses effectively.