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Carnival Credit Card

Rewards234Reviews24Q&AContact

Excellent Credit, Good Credit

Annual Fee

Rewards

Earn 20,000 points (valued at $200 in statement credits) after your first purchase or balance transfer.

Earn 2 points per $1 spent on Carnival Cruise Lines and World's Leading Cruise Lines purchases, and 1 point per $1 spent everywhere else.

Plus, earn 1 point for every $1 on balance transfers made within the first 30 days, up to a maximum of 5,000 points.

Redeem for statement credits toward any Carnival purchase, onboard experiences, and more. Redeem for gifts and amenities charged to Sail & Sign.

Get 10% back as a statement credit when you book a Carnival shore excursion on carnival.com prior to your cruise.

APR on Purchases

0% intro APR for 6 months, 19.24% - 29.24% (V) APR after that

Balance Transfer

0% intro APR for 15 months, 19.24% - 29.24% (V) APR after that

Balance Transfer Fee 5% (min $5)

WalletHub Review

by John Kiernan

January 30th, 2023

Carnival Credit Card Pros & Cons

No membership fees

0% intro APR on purchases

0% intro APR on balance transfers

High rewards rate

Balance transfer fee

High regular APR

Requires good/excellent credit

Carnival Credit Card Review

Small, easy-to-earn bonus. The Carnival Mastercard Credit Card gives you 20,000 points (valued at $200) after first purchase or balance transfer. That’s obviously nowhere near the $400+ offered by the best travel credit cards. But those cards require you to spend $3,000+ within the first three months or... show more

View 234 User Reviews

Carnival Credit Card's Additional Info

cash advance fee

5% (min $10)

cash advance APR

29.49% (V)

foreign transaction fee

smart chip

Yes, chip-and-PIN

max late fee

$40

max overlimit fee

max penalty APR

None

grace period

23 days

Apply Now

at Barclays Bank US' secure site

0% APR for 6 months applies on all Qualifying Carnival Cruise Booking Purchases.

0% Introductory APR on balance transfers that post to your account within 45 days of account opening.

Apply Now

at Barclays Bank US' secure site

Questions & Answers

Can't find what you are looking for? Submit your question about Carnival Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

What are the Carnival Credit Card rewards?

Upvote

Peter Fox, WalletHub Analyst

The Carnival Credit Card offers 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 20,000 points (valued at $200) after first purchase or balance transfer.

Here are the Carnival Credit Card rewards:

Earn 20,000 points (valued at $200 in statement credits) after your first purchase or balance transfer.
Earn 2 points per $1 spent on Carnival Cruise Lines and World's Leading Cruise Lines purchases, and 1 point per $1 spent everywhere else.
Plus, earn 1 point for every $1 on balance transfers made within the first 30 days, up to a maximum of 5,000 points.
Redeem for statement credits toward any Carnival purchase, onboard experiences, and more. Redeem for gifts and amenities charged to Sail & Sign.
Get 10% back as a statement credit when you book a Carnival shore excursion on carnival.com prior to your cruise.

Overall, the Carnival Credit Card is a good option if you are a fan of Carnival Cruise Lines and World's Leading Cruise Lines. Apart from some pretty generous rewards, the card also comes with a $0 annual fee and a 0% foreign transaction fee.

How do I check my Carnival Credit Card application status?

Upvotes

Theo frank, WalletHub Credit Card Analyst

You can check your Carnival Credit Card application status online or over the phone at (866) 408-4064. You'll need to provide your last name, the last 4 digits of your Social Security number (SSN), your ZIP Code, and e-mail address. It should only take a few minutes to find...

How do I apply for the Carnival Credit Card?

Upvotes

Evelyn Boros, Credit Cards Moderator

You can apply for the Carnival Credit Card online or by calling (800) 308-6008.

In case you've received a pre-approved offer, accepting it would also count as applying for the card.

To be considered eligible, you must have at least good credit, but your existing debts and...

What is the Carnival Cruise Credit Card credit score requirement?

Upvote

Theo frank, WalletHub Credit Card Analyst

The Carnival Credit Card credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the Carnival Credit Card.

You should note that while your credit score is an important factor, there are plenty of other things...

When will my Carnival Credit Card rewards post?

Upvotes

John Wittgap, WalletHub Analyst

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.

So, you won't have access to your bonus right away – you will have to wait for the current billing cycle to end.

How do I use my FunPoints to book a Carnival cruise?

Upvotes

What cruise lines can I use my Carnival Credit Card points on?

Upvotes

Billy Hansen

You can only use your Carnival Credit Card points towards Carnival purchases, onboard experiences, gifts and amenities charged to Sail & Sign.

How can I redeem my Carnival Credit Card rewards?

Upvotes

Evelyn Boros, Credit Cards Moderator

You can redeem your Carnival Credit Card rewards points by signing in to your online banking account.

Your points can be redeemed for:

Full or partial statement credit towards eligible Carnival purchases
Onboard gifts and amenities (up to 15 days prior to your Carnival cruise's...

Can I use my Carnival Credit Card anywhere?

Upvotes

WalletHub

You can use this card to book a cruise with Carnival Cruise Lines and you'll get 2 FunPoints per $1 spent. The points can be redeemed on cruises with the following lines: Carnival Cruise Lines, Princess Cruises, Holland America Line, Costa Cruises and the Yachts of Seabourn.

View more answers

Does the Carnival credit card have travel insurance?

Upvotes

Scott Meister

The Carnival credit card travel insurance is part of the travel benefits package with Mastercard: you get travel cancellation insurance, travel accident insurance. rental car CDW, and even trip interruption insurance.

There's a limit to their coverage (as usual) but you do have it.

Compare The Carnival Credit Card

Carnival Credit Card

Citi Rewards+® Card

(234)

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Purchase Intro APR0% for 6 months

Purchase Intro APR0% for 15 months

Transfer Intro APR0% for 15 months|Transfer Fee: 5% (min $5)

Transfer Intro APR0% for 15 months|Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer

Regular APR19.24% - 29.24% (V)

Regular APR17.74% - 27.74% (V)

Rewards Rate1 - 2 points / $1

Apply Now

Carnival Credit Card Reviews

Share your insights and review the Carnival Credit Card

3.0

What's Your Rating?

tanjizs36
July 14, 2022 • @tanjizs36

I GOT THIS CARD IN APRIL AND WAS PROMISED$200 CREDIT. NEVER GOT IT. IN MAY I WAS TOLD I HAD TO WAIT TO GET TWO STATEMENTS. NOW IS JULY AND I'M TOLD THAT THEY HAVE TO SUBMIT A CASE AND ALLOW 30 MORE DAYS. THE TRIP THAT THIS CARD WAS USED FOR WILL NOT INCLUDE THE CREDIT. THIS IS TRASH AND CARNIVAL SAYS THEY HAVE NOTHING TO DO WITH THIS CARD. I HAVE TO CONTACT BARCLAYS. I DID NOT NEED ANOTHER CARD. THIS CARD IS GARBAGE!!!!

Comment

Scott McDairmant
July 13, 2022 • @smcdairmant

I redeemed my Fun Points for 4 gifts cards, however only 3 gift cards showed up in the mail. Called Barclay's Customer Service 3 times with no satisfaction to get a replacement card. Seems like their call center is in China, with morons taking the calls. I asked for a Supervisor and was denied. This card is only good to purchase Carnival Shore Excursions at 10% off. I will continue to use my Chase Credit Card as my primary card because customer service is their top priority.

Comment

kevin
July 3, 2022 • @kevinc_320

Verified Customer

not a bad card we have had it for several years, just wish you got points for something other than cruise stuff, it would be ok but after 5 or 6 cruises, we still might take another, as for now health issues are holding us back.

Comment

dcarpenter2002
May 28, 2021 • @dcarpenter2002

They closed my card because I hadn’t used it in several months and didn’t notify me before they did it. Then I moved and covid happened. Didn’t even think about traveling. Called today and they delete your points after 60 days. Lost almost 20K, customer service doesn’t care.

Comment

timtex19
September 2, 2020 • @timtex19

Verified Customer

This card took me months to get my Carnival refund from. Now they claim to have sent me a check in the mail over 3 weeks ago. I called to inform them I don't have a check from them. I'm being told they will send another check that could take another 14 days to arrive. I asked for them to deposit it directly into my checking account that is tied to the account. According to Barclayscard This is impossible due to safety concerns. They will only Issue a check. As soon as I receive my check I will be Cancelling this card because they do anything in their power to hold on to your money for as long as possible.

Comment

cajunplayer59
August 13, 2020 • @cajunplayer59

Do not get this card. Unfair credit practices and unauthorized charges made by them on my "closed account" .
My saga started several years ago while the wife and I were on cruise. They encouraged us both to apply for a credit card. We both did and both got approved. My credit card had a small initial charge from the cruise and was never used again. Barclay's sent a letter indicating that they were closing my card. My wife used her credit card and built up a balance for which she was making timely payments. They begin to post the payments to this closed account and it took many phone calls to get it posted to the correct account every month. This occurred for well over a year. One day a check is received from them on my "closed account" indicating a refund. The next month there was a charge on the "closed account" place on it by Barclays. They wanted interest on the account and payment on this "closed account". They have attempted to negatively impact my credit because I refused to pay them. Despite numerous hours on the phone, several phone calls and several discussion with "Bob"??? from India, no resolution was made. We paid off my wife's card and made sure both were closed accounts. So far no new charges have been made but credit bureau reports 120 days late for not paying this unauthorized charge on the closed account.

Comment

Litha A
April 13, 2020 • @litha_ba1

With what’s going on with this pandemic and people needing some assistance. This Carnival credit card is only offering 2 months no payments with interest still being applied. How is that helping the consumer it will only keep them behind. Couldn’t even offer a lower interest rate for a period of time. This is a card that will hurry up and pay off and close

Comment

Lynette Jennings
March 26, 2020 • @brianlynj

I applied for a card while on a Carnival Cruise Jan 2020 - I was given a brochure stating I would receive a $200 statement credit after my first purchase - the representative explained it and I applied and was approved and to date have spent over $3500. I have also spent hours on the phone and in providing documentation of the offer with Barclays who state "there was no offer" and we can't assist you - no credit awarded - no points - no nothing. Barclays has the guts to state that Carnival shouldn't have been handing out a brochure like this... it's got Barclays name all over it. I like to cruise on Carnival and thought this would be a great option to earn some cruise credit but Barclays offers rewards and makes promises they chose not to keep - it's sad that they are allowed to tarnish Carnival's good name in the process. Don't apply for this card!

Comment

tiffanynhood
August 5, 2020 • @tiffanynhood

Even still to this day they are offering “The Carnival Mastercard Credit Card gives you 20,000 points for making a single purchase (or balance transfer). Considering that FunPoints are worth a penny apiece, this welcome present is redeemable for $200 in Carnival [email protected] It seems like their associates don’t even know what promotions have been offered and are currently offered. This same offer has been around a very long time. It’s a shame you have to go through such headache.

Comment

sickoftmobile
September 23, 2021 • @sickoftmobile

Sept 2021....no 200 statement credit either. Shame on carnival!!!

Comment

Trevor McGovern
April 24, 2015 • @trevor_mcgovern_92

Nothing says fun like a Carnival Cruise. What makes a Carnival Cruise even better? Getting fifty dollars off a Carnival Cruise! Which is exactly what the offer is after first purchase using the Carnival Credit Card. With so many great offers, including zero per cent APR on balance transfers within the first forty five days of opening the Carnival Credit Card and no annual fee, you can sit back and rejoice because "funpoints" have arrived.

Comment

Brandon Alger
April 8, 2015 • @brandon.alger.73

The Carnival Credit Card is a fantastic credit card for regular cruise-goers. There's a 50 dollar equivalent bonus in points after your first purchase, a very competitive interest rate, and lots of potential points for cruise-related purchases which, if you frequent cruises, rack up very quickly. Compare this to say the Capital One Rewards card which lets you accrue a fair amount of points but offers no bonus incentives like bonus points towards cruise travel.

No annual fee, no foreign transaction fees make for a good card by itself but this card really shines if you regularly travel by cruise. It's definitely worth checking out.

Comment

Review Carnival Credit Card

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Carnival Credit Card

Carnival Credit Card

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Annual Fee

Rewards

APR on Purchases

Balance Transfer

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Carnival Credit Card Pros & Cons

Carnival Credit Card Review

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