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Old 03-10-2013, 01:04 PM   #1
wdwwishes
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Using a Visa Gift Card in Ports

I was thinking about getting a couple of the Visa gift cards that Target sells to use for purchases in the ports on our upcoming Western Caribbean cruise instead of taking our credit card into the ports. Has anyone does this? Does it make sense?
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Old 03-10-2013, 01:16 PM   #2
neg58
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Quote:
Originally Posted by wdwwishes View Post
I was thinking about getting a couple of the Visa gift cards that Target sells to use for purchases in the ports on our upcoming Western Caribbean cruise instead of taking our credit card into the ports. Has anyone does this? Does it make sense?

The Visa card will have the rules imposed by the issuing bank. Honestly, they are usually a lot more expensive.

First you pay a price at purchase, usually $4.99-$6.99 for a $100 card. Then sometimes you pay an exchange rate or an ATM rate.

My daughter is going to Paris and I looked at one for her to use. Through AAA, it was $5.99 to buy the card, and then there was a $3.00 ATM charge, and there was an exchange fee for conversion to the Euro. It made more sense for her to just get a debit card through our bank, so she just have the exchange rate and the ATM fee, but no addition charge for the card or to re-load (I can just move cash into her account).

In St. Maarten, I didn't take enough cash with me for our day at the beach (taxi, chair rental, taxi back...just wasn't thinking) and didn't have enough for lunch. Asked if they'd take a credit card (regular US visa card) and they really wanted US cash. Said I could use the credit card, but the exchange rate would have been imposed and it wasn't a great rate. Luckily, my daughter has some extra cash with her!

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