Credit Score: 724 Credit Limit: 6000 Age: 45-54

Posted 02/24 2017

I have had this card for a few years and it has served me well. However, I want to try new cruises and I finally stopped using it. Instead, I got the Barclays Arrival and it is so easy to earn points. Best of all, I could book any cruise I want with my points. With Carnival, I had to plan ahead and even had to skip some excursion promotions and book everything on S&S account to get it over $1500 so I could get the 1.5% redemption value.

 

Credit Score: 690 Credit Limit: 3000 Age: 45-54

Posted 08/08 2016

This card is ok with you pay your balance in full. If not, you are looking at high teens for for your interest rates. Best use of points is for cruises above $1500 (within last 180 days as per rules). You get 1.5% redemption rate. If you cruise is below $1500, the redemption rate is only 1%. Also, airfare and hotel gets you a 0.9% redemption rate so I would not be inclined to use fun points for statement credits towards airfare or hotels.

 

Credit Score: 675 Credit Limit: 2500 Age: 35-44

Posted 07/11 2016

On my last 3 Carnival trips, I have applied for the card at the ship. However, I got denied all 3 times. I finally decided to give it another try. This time, I applied online and got approved for $2500.

 

Credit Score: 720 Credit Limit: 6000 Age: 45-54

Posted 05/28 2016

Got my card about a month before the cruise and used the bonus points for OBC. It was relatively easy. You just log into your Barclays account and redeem it. You need your ship and booking number. You will not see it listed as on board until you are on the ship.

 

Credit Score: 765 Credit Limit: 8000 Age: 45-54

Posted 04/22 2016

I normally redeem points for statement credits rather than OBC. For statement credits, 10,000 points gets you $100. For on board credit, you need 12,500 to get $100. It is better to pay the OBC and earn 2X, then use points for statement credits.

 

Credit Score: 777 Credit Limit: 12000 Age: 55-64

Posted 07/17 2015

I have had this card for years and I always use points for statement credits. You should always pay your cruise and all the OBCs with the card to earn double points. Then once it is paid, just use it for a statement credit. It is pointless to use points for OBC because you can earn points instead.

 

Credit Score: 704 Credit Limit: 4000 Age: 35-44

Posted 04/10 2015

I went on a little app spree and got approved for both the Carnival Cruise MasterCard and the BOA cash rewards. Was given $4000 and $3000 line respectively.