UPDATED December 8, 2017 Americans are increasingly using credit cards wisely. Although many American households use plastic, they don’t use all of their available balance. In fact, experts say the average American only uses 30% of their available balance.
The Carnival credit card is a must-have for travelers. Tailor-made for travelers, one of the many perks is an amazing 10,000 bonus of “Fun points” once cardholders make their first purchase. Fun points can be used to pay for cruises and other items while on a cruise. The following are some other features of the Carnival MasterCard:
No annual fee: Many cc charge cardholders an annual fee. As such, many people see it as a way for credit card companies to make extra money, over and beyond the interest rate they charge.
Top-notch security features: With financial security an ever-present concern when people travel abroad, it’s nice to know that the card utilizes the chip security feature adds extra layers of protection.
No foreign transaction fee: Typically, card companies charge a foreign transaction fee when their cardholders make purchases abroad. These charges are an additional expense to cardholders, which reduces their spending budget when they travel. Fortunately, the company doesn’t impose this fee, allowing their members to reap the full benefit of their travel budget.
Like most competitors, it’s not all roses when it comes to the Carnival credit card. There are some drawbacks to having this card, including the following:
Fun points aren’t as valuable as other cruise line cards: Although the company allows cardholders to earn Fun points, they don’t accrue as rapidly as other reward points for other cruise lines. As such, cardholders have to spend a lot before they can purchase major items like a cruise.
No purchase intro APR: People love zero or low introductory APRs. It allows them to make purchases on their cc without paying for interest when they pay off the balance off in a predetermined time frame. Unfortunately, this card doesn’t offer an introductory rate.
The card is extremely niche: Most people who benefit from having this card are people who take a lot of cruises. Most of the advantages are designed around purchasing the companies services. As such, individuals who don’t travel much won’t have the ability to truly accrue a lot of Fun points they can use to travel free or purchase meals.
Managing Your Account Online
Cardholders can manage their account online using Barclay’s card management system. Holders enter their username and password into their website to access their accounts. Once there, they can quickly make a payment, review their rewards points, and update their personal information.