When it comes to planning for a cruise, one of the most common questions that arise is whether it is better to take cash or card on board. Both options have their advantages and disadvantages, and the decision ultimately depends on your personal preferences. In this article, we will explore the pros and cons of taking cash or card on a cruise.
Advantages of Taking Cash
Control Over Spending: One of the most significant advantages of taking cash on a cruise is that it gives you more control over your spending. You can set a budget for each day, withdraw that amount in cash, and keep track of how much you have spent. This way, you can avoid overspending and stay within your budget.
Accepted Everywhere: Cash is accepted everywhere on board a cruise ship. You don’t need to worry about whether a particular vendor or restaurant accepts cards or not.
Avoid Credit Card Fees: When you use your credit card on board a cruise ship, you may incur additional fees such as foreign transaction fees. These fees can add up quickly, especially if you are using your card frequently.
Disadvantages of Taking Cash
Risk of Loss or Theft: Carrying large amounts of cash with you on a cruise can be risky. If your money gets lost or stolen, there is no way to recover it.
Limited Access to ATMs: While most cruises have ATMs on board, they often charge high fees for withdrawals. Additionally, if you are traveling to different countries during your trip, finding an ATM that accepts your debit card may be challenging.
Advantages of Taking Card
No Need to Carry Cash: When you take a card with you on board a cruise ship, there’s no need to carry cash around with you. This can be a significant advantage, especially if you are traveling with a large group or family.
Convenience: Using a card is more convenient than carrying cash. You don’t need to worry about withdrawing cash or keeping track of how much you have spent.
Easy to Cancel: If your card gets lost or stolen, it’s easy to cancel it and get a new one. This way, you won’t lose any money.
Disadvantages of Taking Card
Potential for Overspending: When you use a card, it’s easy to lose track of how much you have spent. This can lead to overspending and exceeding your budget.
Credit Card Fees: As mentioned earlier, using your credit card on board a cruise ship may incur additional fees such as foreign transaction fees.
The Verdict
Ultimately, the decision of whether to take cash or card on a cruise depends on your personal preferences and spending habits. If you prefer more control over your spending and don’t want to pay additional fees, taking cash may be the better option for you. On the other hand, if you prioritize convenience and don’t mind paying extra fees, using a card may be more suitable for your needs.
Whatever option you choose, make sure to plan ahead and set a budget for yourself. This way, you can enjoy your cruise without worrying about overspending or losing money.