I just went on a four night Carnival Cruise and found out that you could load up your casino player bank, aka your Sail and Sign Card, a maximum of $1000 per day/per guest (over 18 yo). This could be done at any slot machine, with no obligation to play that machine. Then, whenever you wanted, you could cash out the card at the casino cashier. In all, for a four night/five day cruise, I was able to pull out $10,000 IN CASH!!! This is all being charged to my Hilton Honors Amex Card just as all of my other expenses on board will be charged. In other words, there is no surcharge for the service.

Only thing to be careful of is that you must go through customs when leaving the ship and you can't have more than $10,000 on your person (without declaring it) or else it may be confiscated.

Considering I value the 30,000 Hilton Honor Points + Gold Status Renewal to be about $400 and the cruise only cost me $400, I figured it payed for my trip.