Carnival World Benefits, Credits & Annual Fee

• 10% Statement Credit on Carnival Shore Excursions10% / yr

  Get 10% back as a statement credit when you buy Carnival shore excursions on Carnival.com before your cruise. The credit posts to the same billing statement as the purchase. Taxes and fees on the excursion are not included in the discount.

  Checked Jul 4, 2026
• Anniversary Carnival Rewards Points Bonus2,500 pts / yrTrackable

  Get 2,500 bonus Carnival Rewards Points each year on your card anniversary. The bonus posts automatically. To qualify, you need at least $2,000 in eligible net purchases during that card membership year.

  Resets: Cardmember yearChecked Oct 9, 2026

Travel Benefits

• Status Qualifying Stars toward Carnival Rewards Status

  Earn 1 Status Qualifying Star for every $1 you spend on net purchases with your card. Stars build toward Carnival Rewards status levels and are separate from the points you earn. Only net purchases count, so returns reduce your total.

  Checked Oct 9, 2026

Rental Car

• Auto Rental Collision Damage Waiver

  Covers collision damage or theft on eligible rental cars when you pay for the rental with your card and decline the rental company's own collision waiver. Coverage is secondary to your personal auto insurance in most cases. Your Guide to Benefits details which vehicle types and countries are excluded.

  Checked Jul 4, 2026

Travel Insurance

• Baggage Delay Insurance

  Covers reasonable essential purchases - like clothing or toiletries - when your checked baggage is delayed. Use your card to pay for the trip to be eligible. Your Guide to Benefits specifies the delay threshold, per-day limits, and covered expenses.

  Checked Jul 4, 2026
• Travel Accident Insurance

  Covers accidental death or dismemberment when you use your card to pay for eligible travel. Coverage applies automatically on qualifying trips paid with the card. Check your Guide to Benefits for coverage limits and full eligibility details.

  Checked Jul 4, 2026
• Trip Cancellation and Interruption Coverage

  Reimburses non-refundable trip costs if a covered event forces you to cancel or cut a trip short. Pay for the trip with your card to activate coverage. Review your Guide to Benefits for covered reasons, dollar limits, and exclusions.

  Checked Jul 4, 2026

Bonus Earnings

• 1x FunPoints on All Other Purchases1x points

  Earn 1 FunPoint per $1 on every purchase that doesn't qualify for a higher earning rate. Points are based on net purchases after returns and adjustments.

  Checked Oct 1, 2026
• 2X FunPoints on Carnival and World's Leading Cruise Line Purchases2x points

  Earn 2 FunPoints per $1 spent on purchases from Carnival Cruise Line and affiliated World's Leading Cruise Lines brands. Qualifying brands include AIDA, Costa, Cunard, Holland America Line, Princess Cruises, P&O Cruises Australia, P&O Cruises UK, Seabourn, and Fathom. Points are based on net purchases after returns and adjustments.

  Checked Oct 1, 2026
• 6x Points on Carnival Purchases6x points

  Earn up to 6x points on Carnival purchases. You get 3x points per dollar when you pay with your card at Carnival, plus up to 3x more through Carnival Rewards. The extra Carnival Rewards points depend on your Carnival Rewards account.

  Checked Oct 9, 2026

Fees & Miscellaneous

• 0% Introductory APR on Balance Transfers

  Move existing debt to this card and pay no interest for 15 months. Balance transfers must be made within 45 days of account opening to get the 0% rate. After 15 months, a variable APR of 18.49%-29.49% applies based on your creditworthiness.

  Checked Jul 4, 2026
• 0% Promotional APR on Carnival Cruise Bookings

  Pay no interest on Carnival cruise bookings charged to your card for 6 billing cycles. After the promotional period ends, a variable APR of 18.49%-29.49% applies to any remaining balance, based on your creditworthiness.

  Checked Jul 4, 2026
• No Annual Fee

  This card charges no annual fee, so you can hold it year after year at no recurring cost. That makes it easy to keep open for Carnival purchases without worrying about offsetting a membership charge.

  Checked Jul 4, 2026
• No Foreign Transaction Fees

  When you use this card for purchases outside the U.S., no foreign transaction fee is added. This saves you the typical 1-3% surcharge, which is handy whether you're shopping internationally or spending while at a port of call.

  Checked Jul 4, 2026