holland america cruise credit card

Start Your Adventure with 20,000 Bonus Points!

Earn 20,000 Points

after qualifying purchases. That’s enough to redeem for a $200 onboard credit. 2

Holland America Line Rewards Visa ® Card

No Annual Fee 1

after spending $500 within the first 90 days - enough to redeem for a $200 onboard credit 2

Earn 2 Points

per $1 spent on all Holland America Line purchases, including onboard purchases 2

Earn 1 Point

per $1 spent on all other purchases 2

Low intro APR on balance transfers 

Enjoy a 0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 20.24% to 29.99% , based on your creditworthiness and other factors. There is a fee for balance transfers. 1

Visa Signature ® Concierge service

Visa Signature Concierge service is available 24 hours a day and provides personal assistance via telephone, including recommendations and reservations 3

No foreign transaction fees

on purchases made while traveling abroad 1

$0 Fraud Liability Protection

means you’re not responsible for unauthorized charges

Free online access to your FICO ® Credit Score

lets you keep an eye on your credit score and get alerts when we learn that your score has changed 4

Travel Coverages

provide eligibility for Travel Accident Insurance, Trip Cancellation and Interruption coverage, Baggage Delay Insurance, and Auto Rental Collision Damage Waiver 3

• Terms & Conditions
• Privacy Policy

Offer subject to credit approval. Not everyone will qualify for the Holland America Line Rewards Visa Card credit card. If at the time of your application you do not meet the credit criteria previously established for this offer, or the income you report is insufficient based on your obligations, we may not be able to open an account for you or you may receive a Platinum card and benefits will vary. Other offers may be available. This offer is available through this advertisement and may not be accessible elsewhere. For complete pricing and other details, please see the Terms and Conditions .

This offer is valid for approved applicants. Any bonus associated with this offer may only be earned once. You may not be eligible for this offer if you currently have or previously had an account with us in this program. In addition, you may not be eligible for this offer if, at any time during our relationship with you, we have cause, as determined by us in our sole discretion, to suspect that the account is being obtained or will be used for abusive or gaming activity (such as, but not limited to, obtaining or using the account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/openings). Please see the About This Offer section of the Terms and Conditions for important information.

Annual Fee is $0. 0% introductory APR on balance transfers made within 45 days of account opening is applicable for the first 15 billing cycles that immediately follow each balance transfer. This introductory APR offer does not apply to purchases and cash advances. For new and outstanding balance transfers after the introductory period and all purchases, the variable APR is 20.24% to 29.99%, depending upon our review of your application and your credit history at account opening. The variable APR for cash advances is 29.99%. The APRs on your account will vary with the market based on the Prime Rate and are subject to change. The minimum monthly interest charge will be $0.50. Balance transfer fee: 5% (min. $5). Cash advance fee: 5% (min. $10). Foreign transaction fee: 0%. See Terms and Conditions for updated and more information about the terms of this offer, including the “About the Variable APRs on Your Account” section for the current Prime Rate information.

Conditions and limitations apply. Please refer to the Introductory Bonus Offer section of the  Terms and Conditions  for more information about the introductory offer. Please refer to the Reward Rules within the Terms and Conditions for additional information about the rewards program.

Restrictions, limitations and exclusions apply. Upon account approval, we will send you a Guide to Benefits which includes a full explanation of coverages and details regarding specific time limits, eligibility and documentation requirements.

FICO ® Score Access: FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Barclays offers FICO ® Score access at its sole discretion. Not all accounts will have a FICO ® Score available. FICO ® Score access is not a permanent feature of your account and may be removed at any time. To view your FICO ® Score, your account with us must be open, active (having activity within the past 150 days) and in good standing.

The Holland America Line Visa Signature Card is issued by Barclays Bank Delaware pursuant to a license from Visa U.S.A. Inc. Visa and Visa Signature are registered trademarks and used under license from Visa U.S.A. Inc.

© 2024 Barclays Bank Delaware, PO Box 8801, Wilmington, DE 19801, Member FDIC

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5 Things to Know About the Holland America Line Rewards Card

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The Holland America cruise line travels to several hundred ports in more than a dozen destinations around the world. If you've got the Barclays-issued Holland America Line Rewards Visa® Card , your points can eventually help you reach those destinations — if you're patient.

The $0 -annual-fee card can make sense for Holland America super-fans, especially those who spend sizably on tickets with the cruise line. But its mediocre rewards and complicated redemption process may not float your boat.

Here are five things to know about this card before coming aboard.

» MORE: NerdWallet's best credit cards for cruises

1. Ongoing rewards are meager

The Holland America Line Rewards Visa® Card earns 2 points per $1 spent on all Holland America purchases, including onboard purchases, and 1 point per $1 spent everywhere else.

So unless you're setting sail with Holland America quite a bit, you'll have precious few opportunities to earn elevated rewards, meaning it may take a long time to amass a pile of points.

Other general travel cards can offer higher rewards in everyday spending categories, including things like restaurants, grocery stores, gas stations and elsewhere.

›› MORE: Full review of the Princess Cruises Rewards Visa® Card

2. The small sign-up bonus won’t take you far, either

As of May 2024, the Holland America Line Rewards Visa® Card features a modest introductory offer, phrased this way: " Earn 20,000 bonus points (enough to redeem for a $200 onboard credit) after spending $500 within the first 90 days of account opening. " But that's not gonna be enough to put much of a dent in your travel expenses.

Plenty of other travel credit cards — even travel cards with no annual fee — offer much more generous bonuses that can help jump-start your next vacation.

›› MORE: NerdWallet’s best travel credit cards

3. Redemption is flexible but complex

The good news with this card is that you can redeem rewards for a variety of options, including for statement credits toward purchases from other cruise lines besides Holland America, such as Carnival, Costa, Princess, P&O Cruises, and several others.

The less-good news is that the redemption process can be somewhat confusing because the value of your points varies depending on what you choose and/or the amount of your purchase.

A statement credit redemption toward a Holland America Line purchase — which starts at 5,000 points for a $50 credit — can potentially earn the most value for your points:

Spend between $50-$499.99 and you’ll receive a statement credit redemption value of 1%.

Spend between $500-$1,499.99: Statement credit redemption value of 1.25%.

Spend between $1,500-$2,000.99: Statement credit redemption value of 1.5%.

Spend between $2,001-$4,000.99: Statement credit redemption value of 2%.

Spend between $4,001 or more: Statement credit redemption value of 2.5%.

These tiered point redemption values are common among other co-branded cruise line cards issued by Barclays, including the Princess Cruises Rewards Visa® Card and the Carnival World Mastercard . But this is not typical of most travel cards, where points have a fixed redemption value no matter how much you spend on a specific transaction.

Other redemption options include things like airlines, onboard amenities, gift cards and merchandise.

Despite the flexibility, this redemption process isn't nearly as straightforward as those you'll find on other travel credit cards.

» MORE: Credit cards with potentially confusing rewards programs

4. The card is fee-friendly ...

In addition to its lack of an annual fee, you'll pay no foreign transaction fees, meaning you can use the card internationally without racking up extra charges.

Plus, as a Visa, it will be widely accepted by merchants around the world.

5. ... But better travel companions exist

You can find all of the above features on cards with richer and less-complex rewards programs.

Consider, for instance, the Bank of America® Travel Rewards credit card . It runs on the Visa network, has no foreign transaction fees and a $0 annual fee. It earns a flat 1.5 points per $1 spent on all purchases, and points are worth a straightforward 1 cent each when redeemed for travel credit toward airfare, hotel stays, cruises and more.

Moreover, it offers a better sign-up bonus: 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.

Information related to the Holland America Line Rewards Visa® Card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.

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Advertiser Disclosure

Terms Apply

The information for the Holland America Line Rewards Visa® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Holland America Line Rewards Visa® Card

You can earn points to redeem for statement credits toward your next cruise, but stockpiling them can be a challenge since most card purchases only get one point per dollar.

Rewards Rate

2X Points per dollar spent on all Holland America purchases

The card has no annual fee and no foreign transaction fees.

You’ll get a 0% introductory APR for the first 15 billing cycles on balance transfers made within 45 days of opening the account .

The highest earning rate is two points per dollar for Holland America cruises and onboard purchases .

Travel benefits are limited.

There is no 0% APR introductory offer for purchases.

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Holland America Line Rewards Visa® Card Summary

If you're a fan of Holland America cruises, the Holland America Line Rewards Visa® Card can help you earn points to redeem toward your next voyage. Cardholders will receive two points per dollar on Holland America purchases and one point per dollar on all other purchases . You’ll earn 10,000 bonus points after spending $500 within the first three months after opening your account .

This card offers a 0% introductory APR for the first 15 billing cycles on balance transfers made within 45 days of opening the account and then an APR of 20.24%, 26.24%, or 29.99% variable based on your creditworthiness. For no annual fee, the card includes access to a concierge service, zero liability protection from unauthorized charges, and no foreign transaction fees on international purchases.

• Rates and Fees
• Highlights from Issuer
• Issuer Name Barclays
• Annual Fee $0
• Regular APR 20.24%, 26.24%, or 29.99%
• Penalty APR None
• Balance Transfer Fee $5 or 3% of the amount of each transfer, whichever is greater
• Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater

Is the Holland America Line Rewards Visa® Card Right for Me?

Yes, if you:

• Frequently sail on the Holland America Line.
• Want a travel card with no annual fee.
• Don't mind the lack of premium perks.

Tips for Using the Holland America Line Rewards Visa® Card

Co-branded cards that are specific to one travel partner usually only benefit those who are super loyal to that brand, in this case, Holland America Line. The best use of this card is when you are booking a Holland America cruise or making onboard purchases since you’ll earn two points per dollar spent. Assuming you are a frequent cruiser, that can help you earn rewards to offset the cost of a future sailing.

Editor's Take

If you’re looking for ways to save on travel, there are likely better card options. Though the co-branded Holland America Line Rewards Visa® Card is designed specifically for lovers of this cruise line, the bonus reward potential is limited to cruise-related spending, and there aren’t any extra incentives for cardholders on board.

Current Welcome Offers 

You’ll earn 10,000 bonus points after spending $500 within the first three months after opening your account , good for a $100 onboard credit.

How to Maximize Rewards With Holland America Line Rewards Visa® Card

The Holland America Line Rewards Visa® Card earns the most points when used to earn two points per dollar for Holland America cruises and onboard purchases , and all other purchases receive one point per dollar . The 10,000 -point sign-up bonus applies after you spend $500 within the first three months after opening your account .

You can earn unlimited points, which will not expire if your account is open and in good standing. Points may not be transferred.

Redeeming points for statement credits toward eligible Holland America Line purchases and onboard amenities offers the best value, according to the card issuer.

Comparing the Holland America Line Rewards Visa® Card With Other Credit Cards

The information for the Bank of America Royal Caribbean® Visa Signature® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

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Holland America Line Rewards Visa® Card

by Cory Santos   | Last updated on September 28th, 2023

• 20.24%, 26.24% or 30.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
• 20.24%, 26.24% or 30.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
• 30.49% variable based on the Prime Rate Cash Advance APR

At a Glance

The Holland America Line Rewards Visa® Card offers card members the chance to earn 2 points when making bookings through Holland America and single points for every other dollar spent with the card. New cardholders also receive 5,000 bonus points when they make the first purchase with the card, worth $50 of onboard spending.

• Best Benefits
• Rates & Fees
• Why Should You Apply?
• 2X points on Holland America purchases
• 1X points on all other purchases
• No foreign transaction fees
• No annual fee
• Redeem for onboard amenities or statement credit
• Regular Purchase APR: 20.24%, 26.24% or 30.24% variable based on creditworthiness and the Prime Rate
• Intro Balance Transfer APR: 0% for 15 months on transfers made within 45 days from account opening date
• Balance Transfer APR: 20.24%, 26.24% or 30.24% variable based on creditworthiness and the Prime Rate
• Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
• Cash Advance APR: 30.49% variable based on the Prime Rate
• Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
• Late Payment Penalty Fee: Up to $40
• Return Payment Penalty Fee: Up to $40
• You want a travel rewards card with no annual fee
• You want a card with 0% introductory APR on balance transfers
• You frequently book cruises with Holland America and want to earn rewards
• You do't want to pay an annual fee

Holland America Line Rewards Visa® Card Review

The Holland America Line Rewards Visa® Card is a co-branded travel rewards card from Barclays and Holland America, one of the world’s leading cruise lines.

How to Earn Rewards

Cardholders earn 2X spent on all Holland America purchases, including onboard purchases, and 1x pointS for every dollar they spend with all other purchases. Points are redeemable towards discounts on bookings with Holland America, onboard amenities, merchandise, or gift cards, or as statement credits that can be applied towards the cost of air travel.

Intro Bonus

New account holders will also benefit from 5,000 bonus points after their first purchase with their Holland America Line Rewards Visa® Card and 0% introductory APR on balance transfers for 15 months when they post the transfers within the first 45 days of opening an account.

The initial bonus offer of 5,000 points after first card use equates to $50 in value, which, while nice as an onboard bonus, doesn’t pack much of a punch unless you plan to apply for the card and immediately book a cruise upon receiving it. After all, unless you plan to spend a serious amount of money on Holland America cruises, you’ll only be earning 1 point per dollar spent or a value of $.01 per $1.

Other Perks

Beyond the value of the points on offer with the Holland America Line Rewards Visa® Card, cardholders can expect no annual fees or foreign transaction fees, access to Visa’s dedicated 24-hour concierge service, and complete protection from liability in the event of any unauthorized or fraudulent purchases.

The card also has no annual fee, no foreign transaction fees, and also boasts an introductory 0% APR on balance transfers for 15 months, provided the transfers are made with the first 45 days of account opening.

Should You Apply for the Holland America Line Rewards Visa®?

Overall, the Holland America Line Rewards Visa® Card fits a particular niche in the travel rewards credit card sphere, and if you are looking for a card within that niche, this is a reliable option. For everyone else, however, there are better rewards cards available elsewhere.

For the frequent cruiser, however, the card makes good sense – cruises are costly, and if you plan on booking one, shouldn’t you want to get something back in return (besides the sun and sea, of course)? With a cruise booking, you can expect to earn quite a few points, which, when added to the initial bonus, would save you quite a bit of money on board – a nice perk.

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The More the Merrier - Special Offers for Guests 3 & 4

Explore fascinating cultures, natural wonders and engaging adventures with your entire family or group on an unforgettable Holland America cruise. Whether it's a family milestone birthday, a reunion or a girls trip, Holland America's crew will offer the best to your crew. And this adventure might come at a great price! Many Holland America voyages offer exceptional rates for guests 3 and 4. A deal on a dream group vacation may be in your future!

The best rates for your group vacation

Dining options for everyone.

Bring your crew together for meals as exciting as the lands we visit. Let our cuisine satisfy your every craving.

Staterooms to Fit Your Crew

Our rooms come in an array of sizes and configurations with group-friendly options such as sofa beds and connecting rooms.

Perfect for Reunions

Be it a family reunion or a small group getaway with friends, we offer endless ways to discover, explore and connect together.

A Journey For All Ages

On board, guests of all ages can pursue their passions with a variety of onboard activities and programs that change daily.

Family & Group Travel FAQs

Learn how your crew will have the experience of a lifetime cruising with Holland America Line.

Do you offer any discounts for extra guests?

For parties larger than two adults planning to travel in the same stateroom, our reduced fares for kids or extra guests beyond the first and second guest per room offer an exceptional value. Fares vary by departure date and stateroom category purchased, and during select promotions they may be free. (Whether cruise fares are reduced or free for these additional guests per stateroom, the cost of taxes, fees and port expenses per person still applies.)  

On board, children 12 or under receive half off in our specialty dining restaurants or can select items from a special kids’ menu for free.  

Many of our award-winning shore excursions also offer reduced pricing for kids.  To see limited-time offers, view our  cruise deals page .

Do you have staterooms that accommodate families or groups?

Our staterooms and suites come in an array of sizes and configurations to fit your travel party. Options include sofa beds, Murphy beds and connecting rooms.  Nieuw Statendam  and  Koningsdam  also feature dedicated family staterooms with beds for five guests, extra closet space and two bathrooms — one with a bathtub, shower, sink and toilet and one with a shower and sink.

Learn more about family cruises with Holland America Line  here .

Is there a minimum age for cruising on Holland America Line?

Infants must be at least six months of age at the time of embarkation. On longer cruises, such as transoceanic, South America, Asia, South Pacific or Hawaii voyages, infants must be a minimum of 12 months of age at the time of embarkation.

Guests under 21 years of age must be accompanied by a parent, guardian or chaperone who is at least 21 years old. One adult chaperone is required for every five people under the age of 21.

To confirm the minimum age for a cruise, please call 1-855-932-1711. 

Does Holland America Line offer onboard programs for kids or teens?

Yes, we offer supervised, age-appropriate games, sports and activities on board for kids and ‘tweens while teens can enjoy an exclusive venue and special events.

Where are kids allowed on board the ship?

We have a variety of entertainment options, daily activities and dining venues for everyone in your family to craft their ideal day. However, there a few age restrictions on board.

Guests must be 18 or older to use our SeaView Pool and 16 or older to use the fitness center, hot tubs and steam rooms. Children wearing any type of diaper, including swimming diapers, or who are not toilet trained are not allowed into the swimming pool and whirlpool areas.

Children are welcome at our World Stage shows but must be accompanied by a parent/guardian and must be 18 or older to sit in the first two rows. 

What dining options are available for kids?

Children are welcome in any of our dining venues. A special kids’ menu is available at each venue, and we can accommodate a variety of dining restrictions and preferences. Our kids’ menu includes favorites such as pizza, chicken strips and mac and cheese, as well as salads, soups and fresh fruit. Menu items from the daily menu are also available in half portions upon request. And if your child is celebrating a birthday on board, ask our dining crew for a special, personal-sized cake!

Children 12 or under receive half off in our specialty dining restaurants or can select items from the kids’ menu for free.

Learn more about family cruises with Holland America Line .

For your convenience, a variety of optional  beverage packages  are available for sale to accommodate the varied needs of your family. You may purchase these in advance of your cruise or after you embark.

What kind of holiday celebrations can be enjoyed on board?

We celebrate a variety of holidays on board and offer special holiday voyages on every ship in late December. Leave the cooking, cleaning and stress behind and join us on an unforgettable cruise over the holidays!

For Christmas, there are festive decorations; caroling and singalongs; Catholic Mass and interdenominational services; and a special visit from Santa Claus. During each night of Hanukkah, a celebration and candle lighting is held for Jewish guests, and latkes are served daily for lunch in the Lido Market. And on New Year’s Eve we ring in the New Year with festive dining, sparkling wine toasts, live music and dancing — it’s truly a Dressy Night to remember. 

To learn more about Holiday Cruises with Holland America Line click  here

Will my kids be able to go on shore excursions with Holland America Line?

Yes, you’ll find a range of experiences to suit the interests and activity levels of everyone in your family. Our family-friendly shore excursions give you new ways to discover destinations together.

Click to learn more about  family cruises with Holland America Line .

Holland America drink packages: Cost, inclusions and what to know before you buy

Beverage packages aren't for everyone, but they can be a nice way to give your cruise vacation a more luxurious, all-inclusive feel. If you're sailing Holland America , drink packages are available as optional add-ons to your cruise fare. Choose from four different packages, ranging from a simple soda package to an option that includes premium alcoholic beverages.

Sorting out the differences between the packages and understanding what you are actually paying for can be confusing. Most cruisers want to know what exactly they're getting with each drink package and whether or not the packages will save them money.

For cruise news, reviews and tips, sign up for TPG's cruise newsletter .

If you're considering a Holland America drink package for your next cruise, here's everything you need to know before making your purchase.

What's included in Holland America drink packages?

Holland America alcohol packages aren't the only drink packages available. The line offers two nonalcoholic packages and two options with alcoholic beverages.

All packages allow you to order beverages at most bars, restaurants, entertainment venues and poolside. Exceptions include self-serve draft beer where available and drinks in the Chocolate Seduction and Honor Bar. Packages do not include drinks consumed from in-cabin minibars, ordered from room service or purchased on Half Moon Cay. All packages except the Coca-Cola package have quantity limits.

Related: Cruise ship drink packages: A line-by-line guide

Coca-Cola package

Sodas are not included in your cruise fare, and passengers may not bring them on board. That leaves soda drinkers with the choice to buy a beverage package, pay per drink or get their soft drink fix in ports of call.

The Coca-Cola package covers fountain drinks from bars and bar servers on all ships in the fleet. Three ships — Koningsdam, Rotterdam and Nieuw Statendam — have Coca-Cola Freestyle fountain machines that allow you to mix and match your flavors at will. Canned soft drinks are not included in the package, but fountain drinks are unlimited.

You might consider this package if you're the person who relies on soft drinks to quench your thirst throughout the day and drink few, if any, cocktails, mocktails, beer, wine or spirits. It works great for tweens and teens who regularly drink soda.

Quench package

The Quench package includes unlimited fountain soft drinks and up to 15 specialty coffees, bottled water (still and sparkling), fresh juices or mocktails per day.

With this package, you can order your favorite coffee each morning at Explorations Café, drink sodas with your lunch, chill with a frozen mocktail by the pool in the afternoon and grab bottled water before you head out on a day of exploring in port— all without worrying about the individual cost.

Quench would be the Holland America drink package for someone who dives into the vacation spirit with beverage treats throughout the day and evening, but mostly enjoys them sans alcohol.

Signature beverage package

The Signature beverage package is the mainstay Holland America alcohol package. It covers beer, wine, spirits and cocktails priced under $11, plus everything from the Quench package. There is a 15-drink limit, whether alcoholic or non, not counting fountain soft drinks.

You can order a drink with a price higher than the $11 maximum and will be charged only the price difference plus gratuity.

The Signature package satisfies the beverage needs of most cruisers. Unless you prefer top-shelf liquor, you'll be fine with this package. Even the quantity limit of 15 drinks takes care of the average cruiser. If you party into the wee hours of the night, you'd have to order a drink from the package every hour and a half almost around the clock to use all 15.

All adults of legal drinking age within a cabin must buy the same alcoholic drink package. If one person does not drink, they can be granted special permission to buy only the Quench package.

Related: The best drinks to order with a cruise ship beverage package

Elite beverage package

For those who want to eliminate some of the limits on their drink package, Elite is the way to go. This package includes everything from the earlier packages but raises the price limit to $15 per drink. That covers premium beer, wine and spirits.

The daily limit is also removed for nonalcoholic drinks. That means you can drink all the fountain drinks, specialty coffee, bottled water and mocktails you want without touching your 15-drink limit on alcoholic beverages, which for most cruisers, means you're not likely to reach the limit at all.

What does a Holland America drink package cost?

Here are the standard Holland America drink package prices:

Coca-Cola package : $9.44 per person, per day ($8 plus an 18% gratuity) for unlimited fountain sodas, including from Freestyle machines on select ships

Quench package: $21.18 per person, per day ($17.95 plus an 18% gratuity) for unlimited fountain sodas and up to 15 nonalcoholic drinks per day

Signature beverage package: $64.84 per person, per day ($54.95 plus an 18% gratuity) for unlimited fountain sodas and up to 15 alcoholic or nonalcoholic drinks up to $11 each

Elite beverage package: $70.74 per person, per day ($59.95 plus an 18% gratuity) for unlimited fountain sodas, unlimited nonalcoholic beverages and up to 15 alcoholic drinks up to $15 each

I was hard-pressed to find any discounts off the advertised Holland America drink package prices. Even in the midst of Black Friday sales, the only beverage-related discount I found was for the line's Have It All package that upgrades your cruise fare to a more inclusive experience by bundling the Signature beverage package with Wi-Fi, specialty dining and shore excursion credit (with the last two based on the length of the cruise).

It should be noted, however, that the Holland America website states drink package pricing as "starting at." That would imply that the prices could increase from time to time, though I could not find anyone who said they had paid more than the posted prices.

Related: The best cruise ship bars

Drink discounts beyond the drink packages

Before you settle on a drink package, know that it's not your only option for discounted alcohol or inclusive pricing. Holland America offers some add-on items that can be used to supplement or entirely replace a drink package under certain circumstances.

The first is an option to purchase a bundle of wines by the bottle called The Sommelier Suite. You can choose from three different wine lists at three different price points. You can then opt to buy four, six or eight bottles from your preferred list.

Prices start at $119 for a four-bottle package on the lowest-priced list and go as high as $329 for eight bottles on the highest-priced list. These prices are advertised as "up to 25 percent off" the menu price before the 18% gratuity.

Frequent cruisers who are members of Holland America's Mariner Society are offered a 25% discount on the Sommelier Suite packages after 75 cruise days and 50% off after 200 cruise days. Even without the Mariner discounts, the package price makes sense for anyone who enjoys wine on multiple nights of their cruise. You can drink the bottles in any restaurant, share them with friends and even take them to your cabin.

Related: How to get free or cheap drinks on a cruise

The final alternative to beverage packages on Holland America is to purchase pay-as-you-go drink cards. These are not discounted but offer the ability to control drink spending or simplify drink accounting by pre-purchasing what is essentially a drink debit card. Funds left on the card at the end of the cruise are refundable to your onboard account.

Holland America cruisers I found on social media report buying the drink cards with cruise line gift cards bought at a 10% discount at some grocery stores and websites, essentially gaining a 10% discount on the drinks they purchase with the drink card. (By the same token, you could use the discounted gift cards to buy your standard drink package, as well.)

You can also purchase gift cards with credit cards, such as the American Express® Gold Card , that give you extra points per dollar spent at grocery stores to get additional value from your purchase.

Is a drink package worth it on your Holland America cruise?

Now that you have the facts, it's time to decide if the packages are worth the price. Remember that free drinks on board include drip coffee, hot and iced tea, water, lemonade, milk and punch, available at meals and drink stations. The ship's water is drinkable, and you can bring a refillable water bottle, which is particularly useful on port excursions.

Fountain soft drinks ordered from a bar are cheap on Holland America at $2.50 (plus tip) each, but that's for a small glass. Serious soda drinkers (me included) could suck down a couple of these in a flash on a hot day in the Caribbean.

Since Holland America does not allow even canned soft drinks to be brought on board at embarkation, this package price seems easy to match for those who regularly drink one or more large sodas at home, especially when cruising in a warm destination. On the three ships offering Freestyle machines, the purchase is definitely a no-brainer.

Related: Are cruise line drink packages worth the price? What to know before you buy

This is my favorite package for making me feel like I'm really on a cruise vacation. I'm a lightweight drinker when it comes to alcoholic drinks, but I can slurp frozen mocktails (which average around $8 each) all day long on a sea day.

Since the package also includes unlimited soft drinks, you can have soda with your hamburger at lunch, followed by a virgin mudslide for dessert if that's what makes you happy. Add in the bottled water, which is the only part of any drink package you can take with you to Half Moon Cay, and it all starts to look quite convenient.

If you drink one specialty coffee per day at around $4.50, two or three of the skimpy fountain sodas, and at least one mocktail per day, you'll top the $17.95 package price without even counting the bottled water, which can be as high as $4.50 for sparkling brands.

Holland America's main alcohol package packs in quite a bit for the money, allowing you to enjoy a nice combination of nonalcoholic and alcoholic drinks. At $54.95, if you don't drink anything but the $11 drinks allowed by the package, you'd need to drink five per day to break even.

But factor in a specialty coffee every morning, some bottled water on port days and a soda now and then, and your break-even alcoholic drink tally drops to three or four. If that looks like your typical cruise consumption, you'll at least break even on this package.

The best way to get this package, however, might be by purchasing what Holland America calls the Have It All package , which includes not only the drink package, but Surf Wi-Fi, shore excursion credit ranging from $100 for a six- to nine-night sailing up to $300 for cruises longer than 21 nights, and at least one specialty dining night. It is not available on every cruise, but when it is, the $55 price per person, per day is an incredible bargain, essentially throwing in freebies on top of the beverage package.

This package bumps up the price by a mere $5 per day over the Signature package, so if you prefer premium alcohol in your cocktails, or if the beer and wine on the Elite list are more to your liking, you'll cover the difference with just a handful of drinks. It's your vacation, why not splurge a little, right?

I found cruisers on social media who said you can upgrade to the Elite package from the Signature bought within the Have It All package. They said as long as nobody in the cabin has ordered a drink on the Signature Package, it can be upgraded at embarkation at any bar.

Is a Holland America beverage package right for you?

Drink packages are a personal preference. You can certainly cruise with Holland America without one, combining drinks included in the cruise fare with a pay-as-you-drink routine for everything else. If that's what you are most comfortable with, you can easily keep an eye on your drink expenditures using the cruise line app or checking your daily expenses on the in-room interactive TV screen.

You can also earn a discount by buying bottled wine packages or paying with discounted Holland America gift cards.

If, however, you prefer to pay for as much of your cruise experience upfront as possible and not worry about the spending once you are on board, the package that most closely matches your drinking habits will be the one that makes your cruise most enjoyable.

Drink packages allow you to pay once and forget about the price of each individual glass. Even the tipping is bundled into the purchase price for you, though you can add additional tips if you wish.

The bottom line is that Holland America drink packages, while not designed to save you a fortune, certainly allow you to enjoy beverages on your cruise in an all-inclusive fashion if that's the vacation experience you'd prefer.

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Hold on credit card?

By SAN , February 18, 2010 in Holland America Line

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I just completed on line check in and I saw that there is a hold on the credit card submitted with an amount. What does this mean? I never spend that much money on a cruise. It was too late to cll Holland America, so I came here instead.

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I was told they take a $60 a day hold on your card but don't use it unless you spend that money. I hope that is right. that would be $1200 for the two of us. Scary tho.

Why do they do it?

The hold is a reserve placed against your credit limit so that it's available to HAL in case you charge that much.

For example, if you have $10,000 in credit, and are a couple taking a 10-day cruise, you will have $8800 that you can spend on diamond jewerly :D (or whatever) . $60/day X 10 days X 2 people = $1200. $10,000 - $1200 = $8800 available credit to use.

When the cruise ends only the amount you spent is actually charged.

Can I have it removed if I call Holland America?

Have the hold removed? Why should HAL do that? They need to know they will be paid for any charges when your cruise ends.

This is a standard practice with cruise lines, car rental agencies, hotels, etc.

The hold is placed against your account when you board---not before. At that point you will be charging the service charge. You may also charge drinks, shore excursions, dinners in alternate restaurants, photos, lots of things. There needs to be a guarantee that you will pay the bill when you leave the ship.

I have never seen this before, so I was wondering what it entailed. I understand now. Thanks!

luvncruising

My friend discovered this on her HAL cruise last September. She simply went to the desk (while on the ship) and gave them $250 cash (even though we were on a 14 day cruise) and they removed the hold....

just an fyi...I know they wont remove it prior to your cruise...

cruiseman111111

If I can afford the darn cruise, I can sure afford the credit.

English_in_Spain

Not necessarily.

For all HAL knows you may have used up all the credit on your card to pay for the cruise or you may have made a large purchase just before boarding. They need to cover themselves.

We have 33 days coming up and they are putting on a hold of $3960. It just means that whichever card I choose to use to pay my onboard account will need to have that amount available.

We will keep that card just for this purpose and use another card for any onshore expenses.

The person who gave Hal $250 in cash will only be able to charge up to that amount, after that thye will not be able to charge anything more on their account. I am pretty sure that is how it would work and that is fine if your plan to hold to that amount. I hope we can.

We boarded very late on one cruise (advantage to ship's air this time) and they did not get all the processing done on the dock, nor did they tell me to check in onboard. A few days later I had a letter asking me to come into the office or our credit would be cut off. All I had to do at that point was have them run the credit card through.

Northshorecruisers

We have a pretty good idea of how much we spend while on board and our final settlement tends to be pretty close to the same for each cruise. Since DH is in a "pay for everything with cash" mode lately, can we prefund our on board account with more than enough cash prior to our trip?

Deb and Steve,

You can give them cash after you board, but if you are not leaving soon, you might want to phone and see if you can send a check (or money order) so you don't have to carry that much "extra cash" with you.

English-in-Spain:

We are also cruising for 33 days, and although I know about the hold, it was certainly "eye-opening" to see how much $$$$ was being held for that cruise.:eek:

We also spend little on board as we purchase our Shore Excursions prior to the cruise. In addition, we seldom "drink", as we prefer our calorie intake to be in the form of dessert.:D

The $250 was probably a minimum which cover tips.

Absolutely! Dh and I did this and it worked great. We actually had to go to the desk on the last morning to pick up our excess $300. It was a great feeling to get off of the cruise with extra money in our pockets!

mountaineer25526

Hello, I am going on my first cruise in August on the Ryndam andam new to this site.

I was wondering if I could put my hold on a debit card?

Yes, you can use a debit card for the hold. Just make sure you have plenty of money in there. :D

P.S. I've been to Hurricane, WV! Beautiful area.

Thanks! It would be nice to get of the ship with a few hundred $$ extra! Might make me less depressed than I usually am when I have to leave at the end of a cruise.

Roz....love that you've been to Hurricane. We've been to Hell (Grand Cayman Island) and the weather was nice and warm.

Thanks for the quick response Roz. I plan on putting a good bit on it.

Hurricane is wonderful area. I love living in WV and most weekends in the fall will find me in the woods with my camera.:)

Thanks for the quick response Roz. I plan on putting a good bit on it.   Hurricane is wonderful area. I love living in WV and most weekends in the fall will find me in the woods with my camera.:)

Here's the rub on your debit card. It's different than a credit card so the money is handled differently. When a "hold" is placed on a debit, that money is taken. It won't show on your balance. When HAL then charges your account at the end of the cruise they will make a separate charge. Now you are down the hold, AND the charge. The hold will be released/refunded, but that takes days. Let's say you had a bank balance of $1000 and your hold was $420. You then spend $400. When you get off the ship your bank balance will be $180 and will remain that way until the hold money is refunded. You're better off taking your cash out of the checking account and putting it down on the ship. This avoids the period of days when you are being double billed.

Thanks for posting that additonal information. That's one of the reasons I use my credit card on cruises, rather than my debit card. It almost seems as though one would be better off placing a cash deposit on their acct., as opposed to using a debit card, if someone doesn't have a credit card.

I'm paying cash. They didn't put a hold on my credit card. I do have to bring that much cash with me. That isn't a problem for me because I'm meeting a friend in Vancouver and need money for the heavy shopping we plan on doing!

And there's an option for paying cash on the on-line check-in. You don't have to actually call the cruiseline. However, if you go with the on-line check-in, they will expect you to bring the same amount in cash as they would have put on hold on your credit card.

If you want a lower amount, I assume your going to need to call.

Erin, Thanks for the information.

call your credit card company and ask for an increase to cover at least the hold. Unless you have bad credit or a huge balance, they will be happy to do it.

• 3 weeks later...

This is the first time we sail HAL.

I was doing the online check-in and saw this New Credit Card Policy.

What are HAL thinking? $60 per day per person?! So it si $960 x 2 for us as we are doing the 16 days transatlantic on Euradom.

I dont see Princess doing that as late as 2nd week of February when we sailed Crown Princess 7 day Western Caribbeans that ended on February 13th.

I can see this poses problems for some folks whose cards dont have a large credit line.

I can see they put a hold on the gratuity amount + some extra, but $60 a day?! Geez.

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