Exclusive Cruise Onboard Credit and Perks: Are They Worth It?

Disclosure : Our primary goal is to provide honest, helpful content, whether that's an in-depth review, a practical guide, or a verified deal. To support our work, this post may contain affiliate links. If you make a purchase through these links, we may earn a small commission at no extra cost to you. Please know that this never influences our recommendations or analysis. Thank you for your support!

Let’s be honest – we all love the idea of “free perks” when booking a cruise. Whether it’s onboard credit, drink packages, Wi-Fi bundles, or even discounted excursions, these extras can make your vacation feel more like an all-inclusive escape. But here’s the million-dollar question: are cruise perks actually worth it, or are they just clever marketing tricks?

In this guide, we’ll break down cruise onboard credit, explore the best cruise perks you can score, explain how cruise bonus offers really work, and decode the fine print behind cruise rewards explained. And of course, we’ll talk about the smartest way to get the most from them – like using a Cruise Direct discount code to add perks on top of the ones you already qualify for.

What Exactly Is Cruise Onboard Credit?

If you’re new to cruising, onboard credit (OBC) can feel a little confusing. Simply put, it’s free spending money that the cruise line (or booking site) gives you to use while you’re on the ship.

You can typically use cruise onboard credit for things like:

  • Drinks, specialty dining, or room service
  • Shore excursions
  • Spa treatments
  • Souvenirs from onboard shops
  • Wi-Fi packages

The beauty of OBC is that it reduces how much you spend out of pocket. A $100 onboard credit, for example, is essentially $100 cash that you don’t have to pull from your wallet.

But is it always worth it? That depends on the type of perks being offered – and whether you’re using them smartly.

The Best Cruise Perks You Can Get

Not all perks are created equal. Some add real value, while others are just fluff. Based on frequent cruisers’ feedback, here are the best cruise perks worth grabbing:

  1. Onboard credit (OBC): The most flexible perk, since you can use it for just about anything.
  2. Drink packages: If you enjoy cocktails or specialty coffee, these can save you hundreds.
  3. Free Wi-Fi: Internet at sea can cost $15-$30 a day, so this perk adds up quickly.
  4. Shore excursion discounts: Great if you prefer organized adventures instead of DIY exploring.
  5. Cabin upgrades: Pay for an interior, sail in a balcony – that’s a win.

Now, some perks sound great but don’t actually save you much. For instance, “specialty dining credit” may only cover one meal, while bundled “photo packages” aren’t valuable if you don’t plan on buying pictures.

This is where it helps to compare offers across sites. If you’re curious about which booking platform gives the most perks, it’s worth checking a full CruiseDirect vs competitors: which gives more perks? breakdown before committing.

Cruise Bonus Offers: Are They Real Savings or Just Gimmicks?

It’s easy to get swept up in flashy banners promising “$500 in free perks!” But here’s the truth: sometimes these cruise bonus offers are already baked into the price. For example, a cruise fare might be $200 higher just because it includes “free drinks” or “free Wi-Fi.”

That doesn’t mean the offers aren’t valuable – it just means you need to do the math. Compare the fare with perks included to a bare-bones fare without them. If the perk saves you more than the difference, it’s worth it. If not, skip it and look for a better deal.

Here’s a pro tip: pair a perk-filled booking with a Cruise Direct coupon code. That way, you don’t just get the extras – you also shave money off the upfront fare.

Cruise Rewards Explained

If you cruise often, loyalty rewards can add up. Here’s what cruise rewards usually means:

  • Points or tiers: Most cruise lines give you points for each night sailed.
  • Member perks: Free laundry, priority boarding, or even exclusive events.
  • Discounts on future cruises: Sometimes you’ll get reduced deposits or onboard credit just for being loyal.

But here’s the thing – rewards programs are slow burns. If you’re not planning to cruise often, don’t let loyalty perks sway your booking decision. Focus on immediate savings and perks instead.

Pairing Perks With Last-Minute Cruise Offers

One of the smartest hacks is to combine perks with discounted fares. Let’s say you find a bargain under last-minute cruise offers. Instead of just booking the fare, check if you can snag a package that includes perks like Wi-Fi or OBC. That way, you’re saving on the ticket and avoiding extra onboard costs.

It’s a double win – cheap fare + bundled extras. If you’ve ever wondered how to make perks work harder for you, this is it. For a deeper dive, here’s a full guide on how to pair perks with last-minute cruise offers.

How to Use Coupon Stacking to Maximize Perks

Now here’s where things get really interesting. You know how, when you’re shopping online, you sometimes find a promo code and think – wait, can I actually stack this with another deal? Well, the same idea works with cruises.

Coupon stacking is basically taking whatever perks are already offered – say onboard credit, free Wi-Fi, or drink packages – and then layering a Cruise Direct coupon code on top of it at checkout. It’s a little trick that turns a “pretty good deal” into an amazing one.

Here’s how it usually plays out in real life:

  1. Start with a deal that already has perks. For example, maybe the cruise line is offering $200 onboard credit plus free gratuities.
  2. Head to CruiseDirect. They often highlight promotions with these bundled extras included.
  3. Apply your coupon code at checkout. That extra step might knock $50–$100 off your fare.
  4. Enjoy double savings. You walk away with both the perks and the reduced price.

The beauty of this strategy is that it doesn’t cost you a thing – it’s just about being smart when you book. Instead of choosing between “discount” or “perks,” you’re essentially telling the system: I’ll take both, thank you very much.

And don’t underestimate how quickly this adds up. Imagine saving $100 upfront, plus scoring $200 in onboard credit. That’s $300 that stays in your pocket – or gets spent on cocktails, spa days, or souvenirs – without you lifting a finger once you’re onboard.

If you’re curious about getting the absolute most from this method, there’s even a full breakdown on how to use coupon stacking to maximize perks. It’s basically the ultimate cruise booking hack that regular travelers swear by.

Are Perks Really Worth It?

So, back to our big question: are perks actually worth it? The answer is yes – when they’re perks you’ll use anyway. If you’re someone who drinks specialty coffee every day, a drink package will feel like a huge savings. If you couldn’t care less about spa treatments, then a “free massage credit” is basically useless.

The key is value alignment. Do the perks match what you’d normally spend money on during a cruise? If yes, grab them. If not, skip the fluff and stick to simple fare discounts.

And remember: with a little strategy, you don’t have to choose between perks and savings. You can redeem a Cruise Direct discount code to add perks on top of already-perk-filled bookings. That’s how you get the best of both worlds.

FAQs About Cruise Onboard Credit and Perks

What is onboard credit on a cruise, anyway?

Onboard credit, also referred to as OBC, is essentially free cash the cruise line provides you with to spend on your vacation. It’s like a gift card to use while you’re at sea. You can typically apply it to drinks, spa services, shore excursions, specialty restaurants, or even Wi-Fi. And let’s be honest – who doesn’t want an extra budget to indulge in more of the good stuff?

Are onboard credits worth it?

Yes, absolutely. Onboard credit is one of the greatest cruise perks because it removes the bite from those extras you’d probably spend money on anyway. Drinks are expensive, spa treatments cost an arm and a leg, and excursions can set you back a small fortune. With onboard credit, you can splurge a bit without continually reaching for your wallet.

What upgrades are really worth it on a cruise?

This will vary based on your travel type, but some upgrades are well worth the extra cost. Balcony rooms, for instance, are wonderful if you adore secluded ocean views. Drink packages might be worth themselves if you sip on cocktails or gourmet coffee daily. And bonus features like complimentary Wi-Fi – since the internet can be pricey onboard – are a good idea.

Can onboard credit be used for tips or gratuities?

Yes, typically you can use your onboard credit for tips. That’s really one of the best uses for it because tips are not negotiable on most cruise ships. Paying for gratuities with OBC keeps your own money available for shore excursions or souvenirs.

What if I have onboard credit left over?

That’s the catch – onboard credit typically does not roll over or get returned if you don’t use it. So, if you have a balance remaining on your final night of vacation, go ahead and indulge. Pick up a bottle of wine to bring back home, fill up on duty-free supplies, or indulge in that specialty meal you’ve been coveting. Better to spend it than let it go bye-bye.

How to best utilize onboard credit?

There’s no single solution, but here are a few popular options:
•         Beverages and drink packages
•         Specialty dining
•         Spa treatments (massages, facials, etc.)
•         Shore excursions booked on the ship
•         Internet or photo packages
The trick is to spend it on stuff that enriches your vacation, not merely on things you’d purchase out of habit

Are cruise bonus deals superior to onboard credit?

Depends. Occasionally, cruise bonus deals come with free upgrades, free Internet, or even free shore excursions, which are major money-savers. Other times, good ol’ fashioned onboard credit allows you more freedom because you choose where you want to use it. Truthfully, the best bet is when you receive both extras and onboard credit – and yes, that does happen.

Can I use onboard credit with coupons or discounts?

Why not! That is really where it gets fun. Suppose you discover a promotion that includes $150 onboard credit. If you purchase it with CruiseDirect and also include a Cruise Direct coupon code, you’re compounding savings on top of bonuses. That’s twice the value without putting in any additional effort.

How do I ensure I’m getting the best cruise perks overall?

The best strategy is to compare offers across platforms prior to booking. Some sites may feature onboard credit, while others may feature upgrades or bonus perks. CruiseDirect tends to excel because it packages perks together with competitive pricing. It doesn’t hurt to take a quick CruiseDirect vs competitors comparison so you can be certain you’re getting the most bang for your buck.

Do I get cruise discounts and coupons at GetTopDiscounts?

Yes, indeed! GetTopDiscounts scour the web for the newest Cruise Direct codes and offers so you don’t have to search around, which means you can book a cruise with onboard credit, combine it with a coupon, and set sail knowing you’ve gotten every last dollar’s worth out of your reservation. And truly – that’s what clever travel is about.

Final Thoughts: Cruise Perks Done Right

Cruise perks aren’t a sly marketing ploy – they’re actually genuine money-savers if you understand how to utilize them. Whether it’s cruise onboard credit, beverage packages, or loyalty benefits, the secret is equating perks to your own behaviors.

The smartest strategy is simple: compare deals, calculate the real value, and always stack extras with a Cruise Direct coupon code. That way, you’re not just getting “free stuff” – you’re stretching your budget further and turning your cruise into a genuinely all-inclusive experience.

So the next time you spot a deal that comes with perks added on, don’t brush it off as fluff. Crunch the numbers, match it up with your needs, and take the perks that really enhance your cruise trip.