Cruise Onboard Credits & How to Use Them

A great reason to book a cruise with our travel partner is that it includes an onboard credit with each package. Whether you’re sailing with a family of four or planning a multi-generational voyage, I’ve discovered some incredible ways to stretch those precious cruise dollars. But how do you maximize onboard credits to create unforgettable memories at sea?


Onboard Credits: What are They?

An onboard credit (OBC) on Disney Cruise Line is essentially free spending money loaded onto your stateroom account that can be used for most extras during your cruise, including specialty dining, spa treatments, shore excursions, merchandise, alcoholic beverages, and photos. The credit appears when you board, must be used during your sailing (as it doesn’t carry over or convert to cash), and can be earned through booking promotions, travel agent incentives, or compensation for previous cruise issues.


Best Ways I Use Onboard Credits

  1. Specialty Dining Experiences: The intimate atmosphere at Palo or the unique flavors at Remy are absolutely worth it.
  2. Port Adventures: I love using credit for experiences like swimming with stingrays in Castaway Cay
  3. Spa Treatments: The Rainforest Room package is my go-to recommendation – it’s a peaceful retreat perfect for sea days.
  4. Professional Photos: Those amazing backdrop photos on the cruise ship with the entire family are priceless keepsakes.
  5. Special Experiences: Character meet-and-greets with makeovers, mixology classes, or wine tastings are memorable splurges.

Strategic Pre-Cruise Planning

Here’s my secret weapon: pre-cruise planning is absolutely essential. I encourage my clients to book their specialty dining and port adventures before setting sail. Why? Because onboard credit can often be applied to pre-booked experiences, and the most popular options frequently sell out. I helped a family secure the popular Princess and Pirates Makeover package using their onboard credit – something that would have been next to impossible to book on embarkation day.


Maximizing Value During Your Cruise

Once you’re on board, timing is everything. I’ve learned that special promotions often appear on port days, especially for spa services and specialty dining. One of my favorite tips is to watch for port day spa specials, where you can sometimes get up to 30% more value for your onboard credit. For families, I suggest splitting your credit between pre-booked must-do experiences and leaving some flexibility for unexpected discoveries – like that amazing animation class your kids won’t stop talking about.

I also recommend checking your cruise app daily for special offers. Whether it’s a discounted photo package or a deal on that coveted mixology class, these flash promotions can help your credit go further.

Looking to make your family’s cruise dreams come true? Let’s chat about how I can help you maximize not just your onboard credit, but your entire vacation experience.

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