Princess/Barclay Credit Card Ripoff

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#1
New York
8,478 Posts
Joined Aug 2011
I had started a thread a while ago when Barclay announced "improvements" to their Princess credit card rewards -- and now I am sorry to have to report that this card does NOT live up to its promises. Rewards can only be redeemed in 5,000 point increments. After my recent Princess cruise I had 7,200 points -- I called Barclay customer service and was told that if I made more purchases to get to 7,500 I would get a $75 statement credit against the Princess cruise. Now that I have done that they say "No, you can't redeem 7,500 points only 5,000 or 10,000." So I took the $50, leaving $25 on the table, which means that I didn't get even the base 1% -- I got 0.67 percent. THIS IS THE WORST CARD IN MY WALLET -- only it's not in my wallet, it's in the garbage!
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#2
Palm Springs Area
808 Posts
Joined Jul 2008
Sorry it didn't work out for you. For me it works great, I'm cashing in 180,000 points for 1.5% on my upcoming cruise in April for a statement credit of $2700.00 off my cruise
#3
Memphis, TN
186 Posts
Joined Mar 2007
Rewards work great for me, but I have over 80,000 points. I have had no problem redeeming points on previous cruises.
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#4
Los Angeles Ca.
5,171 Posts
Joined Nov 2010
Originally posted by Host Jazzbeau
I had started a thread a while ago when Barclay announced "improvements" to their Princess credit card rewards -- and now I am sorry to have to report that this card does NOT live up to its promises. Rewards can only be redeemed in 5,000 point increments. After my recent Princess cruise I had 7,200 points -- I called Barclay customer service and was told that if I made more purchases to get to 7,500 I would get a $75 statement credit against the Princess cruise. Now that I have done that they say "No, you can't redeem 7,500 points only 5,000 or 10,000." So I took the $50, leaving $25 on the table, which means that I didn't get even the base 1% -- I got 0.67 percent. THIS IS THE WORST CARD IN MY WALLET -- only it's not in my wallet, it's in the garbage!
I also learned the hard way what a bad rewards card this is. I opened up a credit card from a big box company that has a travel agency attached to it and they give 3% any travel related charges like hotels and cruises and airlines. I upped my membership to executive class and get another 2 % so I earn 5% now with no gimmicks.
#5
101 Posts
Joined Jan 2014
Not sure how you came to that total. I just cashed in for a friend, her points were less than 10,000 (8,000)for a statement credit at the 1.5% for $120. I don't turn points in for less than 50,000 pts but she wanted to for Christmas.
#6
62 Posts
Joined Nov 2015
Can one of you kind cruisers please explain to me how this would work. I have 8300 points today which includes $200 down payment doubled to 400 points. Monday I will be paying the $1770 final payment on the cruise for 3540 more points, total 11840 Then I will be booking two shore excursions for my wife and I that will total $250 which I think gets doubled since it is through Princess making my total points 12340 points. How do I use these points towards my cruise? The down payment was made in September for a total cruise cost of $1970 and then the shore excursions for a total of $2220. I just got the card the end of August so I haven't tried using it for cruise yet. Thank you for any help you can give me.
#7
Oakville, ON
2,536 Posts
Joined Aug 2009
Originally posted by Jimorel
Can one of you kind cruisers please explain to me how this would work. I have 8300 points today which includes $200 down payment doubled to 400 points. Monday I will be paying the $1770 final payment on the cruise for 3540 more points, total 11840 Then I will be booking two shore excursions for my wife and I that will total $250 which I think gets doubled since it is through Princess making my total points 12340 points. How do I use these points towards my cruise? The down payment was made in September for a total cruise cost of $1970 and then the shore excursions for a total of $2220. I just got the card the end of August so I haven't tried using it for cruise yet. Thank you for any help you can give me.
You can continue to build up points, or cash in 10,000 for some OBC if I have read other posts on the Princess Card correctly. What you decide to do might depend on knowing how frequently you are going to cruise and when next one is.
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#8
Palm Springs Area
808 Posts
Joined Jul 2008
You can cash in your points as a statement credit after you pay for it. If the cruise cost is $4001 or more you will receive 2% return on your points, if $3001+ you receive 1.5%, if 2001+ you receive 1%. ( it may also have a smaller designation at a smaller dollar amount)
#9
Arizona
1,189 Posts
Joined Sep 2012
I recently cashed in points from Princess purchases to be applied as a credit to my statement.

For 42,500 in points that was a credit of $850.00
For 5,000 in points that was a credit of $50.00

To take $900.00 off my $5000.00 charge was wonderful.

I just looked @ my statement and it was applied immediately to what is owed. That was good.

What myself and most others were having an issue with was not getting the double points for a Princess purchase. Well it seems they have finally fixed it (took over a year) and as long as they have no other issues we will continue to keep the card.

It takes time to build up the points that is for sure. We are not big credit card users and try to keep it to large purchases.
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#10
Palmdale, Ca
34,094 Posts
Joined Sep 2007
I always cash in my points for OBC’s. I’ve never had a problem.....

Bob
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#11
5,522 Posts
Joined Feb 2013
Originally posted by cruzsnooze
I also learned the hard way what a bad rewards card this is. I opened up a credit card from a big box company that has a travel agency attached to it and they give 3% any travel related charges like hotels and cruises and airlines. I upped my membership to executive class and get another 2 % so I earn 5% now with no gimmicks.
The way I read the website, the credit card pays 3% on travel. Then there is an additional 2% direct from Costco. Is that correct?
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rktctysooner at gmail dot com
#12
Bodega Bay, CA
334 Posts
Joined Oct 2005
Yes. Costco offers 3% for all travel and 2% of everything else. Think 4% for Costco gas.

My Barclays sits in the safe. Barclays actually detected fraud and shut it down.....When the only tranaction that month was aboard the Pacific Princess. Had to go to the pusher desk and give them the Costco Visa card. That was it for me.
#13
5,522 Posts
Joined Feb 2013
Originally posted by tcdcruiser
Yes. Costco offers 3% for all travel and 2% of everything else. Think 4% for Costco gas.
The 2% appears to be in addition to the 3% paid by the credit card company.
Both the 2% and the 3% appear to be independent of the 8% in OBC given by the travel company. Total of 13%.

Someone want to explain again why I should book direct with the cruise line?
Maintaining "control" isn't worth 13% of the booking.
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#14
Raleigh, N.C.
12,284 Posts
Joined Jul 2002
Originally posted by tcdcruiser
My Barclays sits in the safe. Barclays actually detected fraud and shut it down.....When the only tranaction that month was aboard the Pacific Princess. Had to go to the pusher desk and give them the Costco Visa card. That was it for me.
That's the reason I notify my card companies when I'll be using them out of the country. I don't want them to be surprised by strange charges and decline legitimate ones.
#15
Bodega Bay, CA
334 Posts
Joined Oct 2005
Originally posted by geoherb
That's the reason I notify my card companies when I'll be using them out of the country. I don't want them to be surprised by strange charges and decline legitimate ones.
In my instance Barclays was notified. Nevertheless the princess cruise authorization ping from the pacific princess caused an automatic fraud detect and shutdown. Tried to call Barclays from Europe but finally decided .....why bother.