Info about Carnival Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards%APR233Reviews24Q&AContact
RewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
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, 17.99% - 27.99% (V) APR after that
Balance Transfer
0% intro APR for 12 months, 17.99% - 27.99% (V) APR after that
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
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.
Here's how to reach the Carnival Credit Card customer service:
Online: To contact Carnival Credit Card online, sign in to your account and send secure messages.
By phone: You can contact Carnival Credit Card customer service by calling (877) 523-0478 or the number on the back of your card. If you're traveling abroad, you should contact them at (302) 255-8888.
Through the mobile app: You can also get in contact with customer service by using the issuer's app for iOS and Android.
Via mail: You can also get in touch with their customer service department through mail at the following address:
Card Services P.O. Box 8801 Wilmington, DE 19899-8801
Calling is the fastest way to get in touch with the Carnival Credit Card customer service because you can talk to a live rep 24/7. Sending a secure message is also quite fast, as they will try to get back to you within 24 hours.
If you make a purchase with the Carnival Credit Card and pay it in full within the grace period (23 days), you won't pay any interest on that purchase. When the grace period has passed you will be charged interest on your purchase since this card doesn't offer any special...
Share your insights and review the Carnival Credit Card
5
9%
4
12%
3
62%
2
13%
1
5%
3.0
233 reviews
233 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
Jennifer Foster @jennifer_foster_35912672
Report Abuse
1 Star Rating
I feel that the Carnival Credit Card really isn't going to be helpful to everyone. First of all, you have to have excellent to good credit in order to be approved, and even then, you need to be able to take a lot of cruises to even benefit from the "rewards" that the card supposedly offers. The reward points that you can earn are called "fun points" but they can only be redeemed on the cruise lines, so I feel like if you are not an avid cruise taker then it really isn't going to be extremely beneficial to you.
show more
show less
Comment
0
0
Ben Matthews @ben_matthews_948494
Report Abuse
2 Star Rating
The Carnival Credit Card is nothing more than a Master Card with standard 1% back, and 2% back when you shop at Carnival or spend money on a ship. For comparison, the CapitalOne VentureOne card gives you 1.25% back on all purchases without an annual fee, and you don't have to worry about foreign transaction fees when traveling. This card has a 3% foreign transaction fee which is just ridiculous when you realize that the only time you'll be using it is on a cruise when visiting other countries. Avoid this card and get something with better rewards and is better for traveling.
show more
show less
Comment
0
0
James Chaney III @TheJC3
Report Abuse
4 Star Rating
Points spent on Carnival Cruises are worth double, if you're interested in a Carnival card, chances are you're already taking cruises at least annually, if not more often. Plus the 5000 point bonus is a good start. The foreign transaction fee is only 3%, which is also useful for spending at cruise destinations outside of the U.S. The lowest interest rate for the Carnival credit card is 13.99% compared to the PNC Points Visa Card which is 11.99% and 21.99% for cash advances, compared to 25.24% for the cruise card. The cash advance fees and grace periods are nearly the same for each card, so that is a negligent point.
show more
show less
Comment
0
0
Tiffany McLean @tiffmclean
Report Abuse
2 Star Rating
I feel like the Carnival Credit Card isn't going to be useful to just anyone. You have to be planning on taking quite a few cruises in order to really get anything out of it. There's an initial bonus of 5,000 points which is great for getting you on your way. I’d rather get some kind of airline card like the British Airways card and rack up points for flights so I wasn't limited just to cruises. I guess this card would be more helpful if you're already on a cruise and you are making a lot of purchases with the cruise line. You can get double points when buying with them and use points you already have to get fun things on the cruise. The interest rates are so-so and I don't see this being a very popular card.
show more
show less
Comment
0
0
chris @knudlen
Report Abuse
3 Star Rating
The Carnival Cruiseline Credit Card is one of those cards that is very helpful to a very small number of people. If you're someone who takes a lot of cruises, it's worth looking into. It's similar to those GM or Ford credit cards where if you're 100% certain you'll be patronizing the corporation that sponsors the card, you can get a lot of mileage out of using it. The 5000 free points for signing up is great, as is the 5000 points for a balance transfer. The thing to be cautions of, however, is that the grace period for making payments is only 23 days, not a full month, and with a variable interest rate that isn't anything to write home about, it's important you don't let things sit for too long. The good news is there's no annual fee, so while this may not be a card you use regularly, you won't have to pay for the privilege of not using it.
show more
show less
Comment
0
0
Grant Allen @grant_allen_92123
Report Abuse
5 Star Rating
My spouse and family love to cruise. We try to take a cruise every other year and have been able to do that in part because of the Carnival Credit Card. You earn a lot of points on purchases that you are able to later spend on cruises which is amazing. If you like to travel and would like to take a cruise one day try to get this card. The interest rate is a little high so try not to carry a large balance it will save you some money however if you pay it on time and pay your balance quickly you will save money on vacations and everyone can use one of those! I highly recommend this card if you have average to good credit. You also start out with points just for opening the card which is a nice perk as well.
show more
show less
Comment
0
0
Chris @sharkmops
Report Abuse
3 Star Rating
The Carnival Mastercard Credit Card is a fairly good credit card to have. It is a rewards credit card and it is very easy to rack up a lot of points. When you make your first purchase using this credit card you will be given a very generous 5,000 points which is very very nice. There is also no additional fees attached to this card unlike some other cards out there. There's no annual fee, and the customer service is good as well. The cards APR though could be better, but it's not horribly bad. This is a good card if you don't have anything better.
show more
show less
Comment
0
0
Benjy Saloman @Thegame
Report Abuse
3 Star Rating
The Carnival Credit Card does not look like a bad card at all, but I've seen better. Unfortunately, most cards have a variable rate these days, but at least the rate on the Carnival card will only fluctuate from 13.99-20.99%. That is not as good as the Visa G rewards, but it is not as bad as some that fluctuate over 10 points. On My Visa G rewards card the 16.24 APR is variable and has hit above 20 before, but not too often. The rewards on the Carnival card are on par with most other reward cards I have seen. This card would certainly be useful if you plan on taking a lot of Carnival cruises, but otherwise I think getting a card from a credit union probably would be more beneficial. I have a card from Provident Credit Union with an APR that fluctuates only 5% and the max penalty is 18%. To me that is more reasonable. The max penalty on the Carnival card is 27.24%. Yikes. You also have the option of raising or lowering your APR in favor of more or less rewards points on a Provident card. It seems more flexible to me.
show more
show less
Comment
0
0
Nick Martocello @nmartocello
Report Abuse
3 Star Rating
Great card for building up Carnival credit for cruises. The Carnival Credit Card give you 5,000 after your first purchase! Transfer an existing balance over for another 5,000. Get double points for carnival products and snag 1 point for every dollar spend else where, plus there is no annual fees. Please do be wary of the 3% transfer fee with a 23 day grace period will end up causing you extra fees if you don't intend on paying it all off asap, which really negates the point of getting the extra 5,000 points. If you love cruises, this is the card for you.
show more
show less
Comment
0
0
Jannelle Lorenya @awesomenette
Report Abuse
2 Star Rating
If you are a huge fan of Carnival cruises, the Carnival Credit Card might be the one for you. Each purchase allows you to accrue points that can be used towards Carnival cruises. You start off with 5,000 points and can get 5,000 bonus points for a balance transfer. Additionally, purchases of Carnival products are worth double points. The card also has no annual fee.
However, the rates themselves are not spectacular, nor is the grace period a full month. The 23 day grace period is of particular concern if you want to avoid interest payments. Additionally, to get those 5,000 points for a balance transfer costs 3%. If you don't have any interest in cruises, this card won't be a good fit. Even if you do, you have to consider how much money you'd potentially save with this rewards card vs. just saving the money yourself before a cruise and avoiding interest payments. Really only of interest to die-hard Carnival fans.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
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.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
