Carnival Credit Card

Carnival Credit Card
Info about Carnival Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards230Reviews23Q&AContactAccepted 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 including onboard purchases charged to Sail & Sign® 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, 15.74% - 25.74% (V) APR after that
Balance Transfer
0% intro APR for 15 months, 15.74% - 25.74% (V) APR after that
Balance Transfer Fee
Editor's Take
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
Requires good/excellent credit
Carnival Credit Card's Additional Info
cash advance fee | 5% (min $10) |
cash advance APR | 25.99% (V) |
foreign transaction fee | 0% |
smart chip | Yes, chip-and-PIN |
max late fee | $40 |
max overlimit fee | $0 |
max penalty APR | None |
grace period | 23 days |
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.
Questions & Answers
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How do I check how many points I have?
When purchasing something, do you only have a month to pay it off like a standard credit card? Or do you get a certain amount of time to pay it off depending on the amount like the Best Buy Credit Card?
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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.
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).
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