WHICH CRUISE LINES OFFER ONBOARD CREDIT

Cruise Line Shareholder Benefits: Which Cruise Lines Offer Onboard Credit?

If you love cruising and investing, there’s a little-known perk that can add real value to your vacations: shareholder onboard credit (OBC). Several major cruise companies reward shareholders who own a minimum number of shares with onboard spending credit—usable for shore excursions, specialty dining, spa treatments, and more.

Below is a clear, up-to-date guide to every cruise line group that offers shareholder onboard credit, how it works, and which brands are included.

What Is Shareholder Onboard Credit?

Shareholder onboard credit is a per-stateroom benefit offered to guests who own stock in a cruise line’s parent company. In most cases:

• You must own at least 100 shares

• Shares must be in the name of a passenger sailing

• Proof of ownership must be submitted before sailing

• The credit is not cash and cannot be refunded

The benefit can be used on every qualifying cruise, not just once.

Cruise Lines That Offer Shareholder Onboard Credit

Carnival Corporation

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Eligible Cruise Brands

• Carnival Cruise Line

• Princess Cruises

• Holland America Line

• Cunard

• Seabourn

• Costa Cruises

• AIDA Cruises

• P&O Cruises (UK & Australia)

Typical Onboard Credit Amounts

• Cruises 6 days or less: $50 per stateroom

• Cruises 7–13 days: $100 per stateroom

• Cruises 14 days or longer: $250 per stateroom

This is one of the most generous and widely used shareholder programs in cruising, especially popular with longer itineraries such as transatlantic and repositioning cruises.

Royal Caribbean Group

Eligible Cruise Brands

• Royal Caribbean International

• Celebrity Cruises

• Silversea Cruises

Typical Onboard Credit Amounts

• Shorter sailings: $50 per stateroom

• Mid-length sailings: $100 per stateroom

• Longer sailings: $250 per stateroom

• Select World Cruises: up to $1,000 onboard credit

Royal Caribbean Group’s shareholder benefit is especially valuable for premium and luxury sailings.

Norwegian Cruise Line Holdings

Eligible Cruise Brands

• Norwegian Cruise Line

• Oceania Cruises

• Regent Seven Seas Cruises

Typical Onboard Credit Amounts

• Cruises 6 days or less: $50 per stateroom

• Cruises 7–14 days: $100 per stateroom

• Cruises 15 days or longer: $250 per stateroom

This benefit is particularly attractive for travelers sailing with Oceania or Regent on longer itineraries.

Cruise Lines That Do NOT Offer Shareholder Onboard Credit

The following cruise lines do not offer onboard credit tied to stock ownership, either because they are privately owned or do not extend benefits to shareholders:

• Disney Cruise Line

• Virgin Voyages

• MSC Cruises

• Viking Cruises

• Ritz-Carlton Yacht Collection

Important Things to Know Before You Rely on This Benefit

• Shareholder onboard credit can usually be combined with group perks and travel-advisor offers

• Requests must be submitted before sailing, often at least a few weeks in advance

• Policies and amounts can change, so benefits should be confirmed at booking

• Owning stock should be a financial decision first—the cruise perk is a bonus, not a guarantee

Final Thoughts

If you cruise regularly—especially on longer itineraries—shareholder onboard credit can quietly add hundreds of dollars in value to each sailing. Carnival Corporation, Royal Caribbean Group, and Norwegian Cruise Line Holdings are currently the only cruise companies offering this perk, and the benefit applies across their full brand portfolios.

As your travel advisor, I’m always happy to help you stack shareholder benefits with group rates, onboard credits, and promotions to maximize your cruise value.

Visit www.loving-life-travel.com to explore upcoming cruises or to ask about adding shareholder onboard credit to your next sailing.

All prices and benefits are subject to change until booked and deposited.