Carnival World MasterCard Review: Is It a Good Card for You?

carnival cruise credit card

The Carnival™ World MasterCard® offers a 0% intro APR for 15 billing cycles for each balance transfer that posts to your account within the first 45 days of card opening. There’s a balance transfer fee of $5 or 3% of the transferred balance, whichever is greater. After the promotional period, you’ll have a variable balance transfer and purchase APR of 14.99%, 19.99% or 23.99%. While this introductory offer is a good deal for a travel card, if getting out of debt is the goal — other balance transfer credit cards can offer a longer interest-free window. Plus, it's generally not advisable to charge large purchases, like travel, on a balance transfer card if your main objective is to get out of debt. Being able to make a single purchase (or do a balance transfer) and receive a welcome bonus helps make this card worth considering for frequent Carnival cruisers.

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This may mean that you could risk missing out on some of the most popular tours if they're fully booked by the time you embark. Once onboard, cruise lines will do anything they can to entice you to book again, designating sales desks with personnel available to pitch offers. Carnival is no exception; their Future Cruise Vacation Program offers a series of perks and discounts, including onboard credit. Additionally, their Welcome Home program allows you to book these same offers within four weeks after you return from your cruise.

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Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.

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Carnival Onboard Credit: How to Get It and Where to Spend It

Perhaps the most common out-of-pocket expense for many cruisers are the shore excursions offered by the cruise line in ports of call. Naturally, you always have the option to venture off on your own and forego Carnival's tours. But if you have the OBC to spare, it may be worth considering using it on one of the shore excursions offered by the line. Carnival often gives members of the US or Canadian armed forces special promotions that may include onboard credit. Active and retired military members are always eligible for reduced rates, but OBC isn't included in this permanent deal; you'll have to be on the lookout for time-limited promotions in order to snag the credit.

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When you choose to apply (and are approved) for a new credit card through our site, we may receive compensation from our partners, and this may impact how or where these products appear. Please view our advertising policy and product review methodology for more information. For additional options, see our full list of the best travel rewards credit cards. On the “Payment Options” page, you will see a list of the credit cards currently linked to your account. This may include the card you just added, as well as any previously saved cards. After completing the verification process, you will typically see an option to save your credit card information.

By verifying your credit card, you are adding an extra layer of security to your Carnival Cruise account. This ensures that only authorized charges can be made and helps protect your account from potential fraud or misuse. It is crucial to promptly complete any requested verification steps to ensure that your credit card remains linked to your Carnival Cruise account. Failure to verify your card within the specified timeframe may result in its removal from your account.

Step 5: Saving the Credit Card Information

carnival cruise credit card

Before you choose one, though, consider the whole package, including rewards, fees and other features. The Carnival Credit Card reward points will be credited to your account at the close of the billing statement in which you make your qualifying purchase. Yes, the Carnival Credit Card does have travel insurance benefits, the best of which are trip interruption insurance and emergency evacuation. To be eligible to file a travel insurance claim, you'll need to pay for your travel using your Carnival Credit Card. If you're able to snag one of the deals mentioned above or you have a bit of onboard credit that's burning a hole in your account, it could make the experience a better value.

However, its lack of ongoing rewards and compelling perks might dissuade most travelers from keeping this card long-term. Other amenities might include water stations, towels and sanitizer for cleaning off machines and equipment. To continue accessing and managing your account, please update your browser. Access your Carnival Cruise account and navigate to the “Payment Options” section, as discussed in the previous steps. Carefully double-check the accuracy of the information you’ve entered to avoid any potential issues or errors.

Enter your information to access your account.

carnival cruise credit card

Managing multiple credit cards gives you the flexibility to choose the most convenient payment option for different types of transactions. For example, you may want to use one card for onboard expenses and another for online purchases or payments. The main advantage that many co-branded travel credit cards have over general travel cards is that they offer specialized perks to loyal customers. But the Carnival™ World MasterCard® doesn’t offer priority boarding, elite status or any other cruise-related benefits besides a 10% statement credit for excursions booked on carnival.com prior to your cruise. However, these cards often limit you to using your rewards based on that specific partner’s rewards program.

When picking a travel credit card, you want to find a card that will get you on your next vacation the fastest. Unfortunately, the Carnival™ World MasterCard® doesn’t offer a robust rewards program, even compared with some general travel credit cards that have no annual fee. A general travel credit — one that's not tied to any specific brand — will be much more straightforward and flexible.

You can earn Carnival Credit Card rewards by making purchases with this card. More specifically, you can earn 2 points per $1 spent with Carnival Cruise Lines and World’s Leading Cruise Lines, and 1 point per $1 spent on all other purchases. The card also offers 25,000 points (valued at $250) after spending $500 within the first 90 days.

If you prefer retail therapy to spa therapy, your onboard credit can be your ticket to paradise. The stores and boutiques on board sell a wide range of merchandise ranging from tchotchkes and souvenirs to jewelry and electronics. And purchases made at sea are tax-free, but that doesn't necessarily mean that they'll be less expensive than what you find ashore. But, you may find a unique, must-have item or find yourself needing to buy toiletries you forgot to pack, and your OBC can really come in handy. Any restaurant onboard that's not included in your cruise fare is a specialty restaurant that will charge a nominal fee.

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