| Initial Bonus |
Base Earn |
Max Earn |
Earn / Redeem Limit |
- Earn 5,000 points after first purchase.
- Earn up to 5,000 Bonus Points for initial Balance Transfers.
- Double FunPoints® for every $1 spent on ALL Carnival Cruise Lines purchases including onboard purchases charged to Sail & Sign.
- 1 FunPoint® for every $1 spent on ALL other purchases.
- Start with up to $100 off your next cruise with qualifying transactions.
| Intro Rate |
Intro Period |
Regular Rate |
| Intro Rate0% | Intro Period15 months | Regular Rate13.99% - 20.99% | Balance Transfer Fee |
| Cash Advance Rate |
Cash Advance Fee |
- Max Late Fee:
$35 - Max Overlimit Fee:
None - Max Penalty APR:
30.24%
- Grace Period:
23 days - Online Response:
Yes - Foreign Transaction Fee:
3%
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The card information shown on this page was last updated: May 7th, 2012 at 3:38 EDT
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I live in New York and the recent popularity of Victor Cruz (Cruuuuuuuuuzeeee) has oddly gotten me interested in taking a cruise (the winter weather might have something to do with it as well). So I checked out the Carnival Cruise Line to see what it offers, hoping I could get a great initial bonus and score a free cruise in the coming months. Well, the Carnival Cruise Lines Credit Card gives you 5,000 bonus points after your first purchase as well as UP TO 5,000 points for transferring a balance. It also gives you 2 points per $1 spent through Carnival Cruise Lines and 1 point per $1 spent on everything else. Sounds ok in theory, but how beneficial this is depends on how expensive a cruise is to begin with as well as how much Carnival “FunPoints” are worth. Assuming you don’t transfer a balance and only get 5,000 bonus points, that’s only $50 off a cruise, which usually costs at least $249 - $429 if you book in advance, depending on the number of days you want to sail for. Its therefore clear that the Carnival Cruise Line is not ideal for me or most other consumers. There are a number of rewards cards that will be more lucrative than the Carnival Credit Card. For example, the Capital One Venture Card basically serves as a 2% cash back credit card as long as you redeem miles for travel related purchases, which would come in handy for anyone who travels a lot and uses different companies and modes of transportation to do so. The Chase Sapphire Preferred Card gives you a $500 initial bonus for spending $3,000 in the first three months, which would score you a free cruise. Id therefore say to avoid the Carnival Credit Card because there are other cards out there that are more suited to helping you save on a cruise, though they don’t have the branding (but what’s that really worth).