Are you looking for a travel experience that lets you hop between multiple destinations without driving hundreds of miles or standing in endless airport lines? A cruise might be your answer. It's one of the most relaxing ways to travel on a budget while still enjoying plenty of amenities and experiences.
That said, cruise lines are big businesses, and like any business, their main goal is to make money. If you're not careful, extra costs can sneak up on you fast.
To avoid overspending or disappointment on your first cruise, be mindful of these 10 things a cruise line may not want you to know. You can protect your wallet and improve your trip.
- 18-29
- 30-39
- 40-49
- 50-59
- 60-69
- 70-79
- 80+
All-inclusive isn't really all-inclusive
/images/2025/09/13/luxury-cruise-ship-leaving-port.jpg)
"All-inclusive" doesn't mean unlimited. Unless you're booking with a true luxury line, your fare usually covers the basics — think buffet meals, casual dining, and onboard entertainment.
Some extras you might have to pay for include alcohol and premium activities, and they can add up quickly. Experts say you'll want to budget $90 per passenger per day in addition to your base fare, or more, depending on your cruise line and preferences.
Specialty dining costs extra
/images/2025/09/13/luxurious-breakfast-setup-on-a-scenic-cruise-ship.jpg)
When you purchase your cruise ticket, you may be excited to enjoy gourmet dining experiences. However, this base fare generally includes options such as the buffet, main dining room menu, and casual eateries, but not specialty restaurants or experiential dining experiences.
One dinner at an onboard steakhouse can cost $70 per person, for instance, excluding additional add-ons. If dining is important to you, be sure to factor these meals into your budget.
Wi-Fi generally isn't free
/images/2025/09/13/smart-phone-with-wifi-icon.jpg)
Onboard Wi-Fi usually comes at a price. Carnival offers limited plans starting at $18.70 per person per day, and an unlimited package on Princess cruises starts at $24.99 per device.
To save, consider buying an internet package ahead of time instead of while onboard, or wait until you dock to access free Wi-Fi onshore. And most importantly, put your phone on airplane mode once you board to avoid a roaming bill.
Earn a travel bonus worth $250 with this incredible card
With the Bank of America® Travel Rewards credit card you can earn 25,000 bonus points after spending $1,000 in purchases in the first 90 days of account opening.
The 25,000 bonus points can be redeemed for a $250 statement credit toward travel or dining purchases.
The best part? There's no annual fee.
Automatic gratuities and fees add up fast
/images/2025/07/01/sales-receipts.jpg)
A family of four in a single cabin could see more than $70 per day in service fees added to their bill, which can be a shock to many first-time cruise travelers.
There are promotions, however, that include free gratuities as a booking incentive. You may also find prepaid bundle pricing that includes cruise tips, Wi-Fi charges, and an onboard drink package. These packages can save you up to 70% per person per day.
Shore excursions can drain your wallet
/images/2025/02/08/cruise-ship-docked-in-port-adobe.jpg)
Depending on your interests, shore excursions quickly add up. If you want to take a helicopter to walk on a glacier for an hour, expect to pay $550 or more. Most options are over $100 per person.
Yes, these excursions can be very pricey, but they don't need to be. Some cruise lines and travel agents offer onboard credits that can be used to book excursions. You can also book excursions privately, which means you cut out the cruise line middleman.

Upselling is part of the experience
/images/2025/09/13/aerial-view-beautiful-large-cruise-ship.jpg)
Once you're onboard, be prepared for a constant push to upgrade. And even before you board, it's not uncommon for cruise lines to use customer data to create personalized email offers.
Some travelers are surprised by how aggressive the onboard upselling tactics can be, including daily mail and flyers sent to their rooms. Go in knowing your budget, and remain polite, but firm.
Spa services are significantly marked up
/images/2025/09/13/spa-stones-on-white-marble-table.jpg)
If you're looking forward to relaxing in the spa, be prepared to pay the price. A single massage can cost up to $300, and then an 18% gratuity is added to the final price.
Multi-day spa passes often feel wasteful, especially on port-heavy cruises where you're not on the ship as much. Instead, take advantage of free amenities, like Carnival's complimentary saunas.
Pool decks aren't as relaxing as they look
/images/2025/02/06/sunbeds-and-swimming-pool-adobe.jpg)
Those sparkling pool photos in the brochures? Reality often looks more like a packed party. It doesn't help that cruise ship pools are notoriously small, which is a safety consideration to maintain the vessel's stability — and they fill up fast.
If you love the pool and aren't planning excursions, hang back and enjoy a dip while the ship is in port.
Drink packages aren't always worth it
/images/2025/09/13/three-classic-cocktail-glasses.jpg)
Drink packages on cruises are expensive, and they often make sense only if you're a big spender in the bar. On a Carnival cruise, expect to pay $88.44 per person, per day, which must be purchased for the entire duration of the voyage. Will you drink nearly $620 in alcohol on a seven-day cruise?
If you like to have the odd drink, on average, you'll pay around $8 for a beer and $14 for a glass of wine.
Get a protection plan on all your appliances
Did you know if your air conditioner stops working, your homeowner’s insurance won’t cover it? Same with plumbing, electrical issues, appliances, and more.
Whether or not you’re a new homeowner, a home warranty from Choice Home Warranty could pick up the slack where insurance falls short and protect you against surprise expenses. If a covered system in your home breaks, you can call their hotline 24/7 to get it repaired.
For a limited time, you can get your first month free with a Single Payment home warranty plan.
You can bring a bottle of wine or champagne
/images/2025/09/13/elegant-glass-and-bottle-of-red-wine.jpg)
If you're someone who wants to enjoy a couple of mid-day mimosas or a glass or two of wine, some cruise lines allow you to bring one sealed 750-milliliter bottle. If you consume this bottle in a public area, you will likely incur a corkage fee.
Some cruise lines allow you to bring two bottles of wine or six beers per adult, including Disney Cruise Line, while others, like Viking, don't limit quantities or charge cork fees.
Bottom line
/images/2025/09/13/aerial-view-of-beautiful-white-cruise-ship.jpg)
If you want to enjoy some of the extra perks on your first cruise, there are ways to reduce your initial base fare. Take advantage of early-bird offers, book last-minute to score deals if your schedule is flexible, and compare packages. And always read the fine print.
And if you want to stretch your savings even further, consider paying with one of the top travel credit cards to rack up points, perks, and rewards while you sail.
Easy-to-Earn Unlimited Rewards
Benefits
Card Details
- $0 annual fee
- Simple, flat-rate rewards
- Flexible redemption options
- Up to 75% Bank of America Preferred Rewards® bonus potential
- Apply Now
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
/images/2024/12/16/bofa-travel.png)
on Bank of America’s secure website
Read Card ReviewIntro Offer
Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
Annual Fee
$0
Why we like it
The Bank of America® Travel Rewards credit card is great for individuals who enjoy earning rewards and traveling.
Cardholders will enjoy the flexibility to redeem points with no blackout dates and receive a statement credit to pay for travel and dining purchases.
Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center and 1.5 points per $1 spent on all purchases.
- Apply Now
Subscribe Today
Learn how to make an extra $200
Get vetted side hustles and proven ways to earn extra cash sent to your inbox.