noob here...Just sharing. We have a Carnival "free" cruise coming up. I'm new to the MS game but last year we did a MSC cruise and I discovered I could load money to my cruise card through my linked credit card in the casino. We gamble so this was great. I also found out it doesn't code as cash advance. So, I could cash out my winnings or load my cruise card with cc and then cash out. Potentially. I found out Carnival gift cards are at OM with a CIC cc you get 5x UR points, plus load the gift card to your coming up cruise, use it to buy carnival cash, on the cruise load to your cruise card at casino, play a little and cash it out, keep cash, come back with cash...potentially. Depends on if you can abstain from gambling it all away. Oh, and also topcashback, you can buy carnival cruise gift cards and get 8.5% back right now which is even better than OM.