Cruise Perks Uncovered: Everything You Need to Know About Onboard Credit

If you've ever booked a cruise, chances are you’ve heard the term onboard credit (often called OBC). It sounds like free money—because in many ways, it is! But before you start planning your next piña colada, let’s break down exactly what onboard credit is, how it works, and the smartest ways to use it.

What Is Onboard Credit?

Onboard credit is essentially a spending allowance provided by the cruise line. It’s loaded directly onto your stateroom account and can be used like cash during your sailing. Think of it as a little bonus to enhance your vacation—whether it’s part of a booking promotion, a travel agent perk, a loyalty reward, or even compensation from the cruise line.

The catch? If you don’t use it, you lose it. Unlike unused gift cards or points that roll over, onboard credit typically disappears once you disembark. That’s why knowing how to spend it wisely is key.

What Can You Use Onboard Credit For?

The exact rules vary by cruise line (so always double-check with yours), but here are the most common ways to put OBC to good use:
    •    Specialty Dining – Treat yourself to that upscale steakhouse, sushi spot, or chef’s table without dipping into your own wallet.
    •    Shore Excursions – Book adventures like snorkeling, ATV rides, or city tours using onboard credit before or during your cruise.
    •    Spa Treatments – Massages, facials, and thermal suite passes are all fair game on many lines.
    •    Beverage Packages & Gratuities – Some lines allow you to cover drink packages or even tips with your OBC.
    •    Onboard Shopping – Souvenirs, duty-free alcohol, fine jewelry, or even logo T-shirts can be charged against your credit.
    •    Casino Play – This one depends on the cruise line. Some allow you to convert OBC into casino chips or slot play, while others restrict it.
    •    Photo Packages – If you plan on buying those professional cruise photos, onboard credit can cover it.

A Few Smart Tips for Spending OBC

    •    Check your cruise line’s policy. Not all onboard credit can be used for the same things. For example, some may restrict casino play or require credits to be spent in certain areas.
    •    Use it first. When you make onboard purchases, your OBC is usually applied before your personal credit card. That way, you don’t accidentally leave it unused.
    •    Plan ahead. If you know you’ll want a specialty dinner or an excursion, book early and apply your OBC toward it so it doesn’t go to waste.
    •    Don’t save it for the last day. The shops and spa often get crowded toward the end of the cruise, so try to use your credits earlier.

Onboard Credit is one of the best perks of cruising, but only if you know how to use it. Since it’s a “use it or lose it” deal, make sure you have a plan for your OBC before stepping onboard. Whether you splurge on a fine dining experience, a relaxing spa day, or a thrilling shore excursion, onboard credit can take your cruise from great to unforgettable.

Now that you know more about Onboard Credit, why not put me to work and see how much I can get for you to use on your next cruise!