Should I use a credit card or a debit card while I'm on a cruise? This question is about Credit Card Offers

Should I use a credit card or a debit card while I'm on a cruise?

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This question is about Credit Card Offers

Harry Barnes, Member

@hb_1431 • 11/22/19 This answer was first published on 11/22/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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It's best to use a credit card without a foreign transaction fee when on a cruise. That way you will earn rewards on your purchases.

If you don't have a credit card with no foreign transaction fees, a debit card is your best choice, as those usually do not charge foreign transaction fees.

Scott Spann, Financial Advisor

@ScottSpann • 11/22/19 This answer was first published on 04/04/16 and it was last updated on 11/22/19.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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I generally recommend using credit cards when traveling. Find out if your card has any foreign transaction fees. Also, when you contact the customer service line you should notify them of your travel dates and countries you plan on visiting so any charges do not get flagged as potentially being fraudulent. Check with the issuing bank to see if your credit card is subject to daily spending or withdrawal restrictions while abroad.

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