I believe that Celebrity is the only one where you have to pay to belong to the Captain's Club. We joined and have enjoyed the percs ever since. For my money (one $35 charge for the family) it was well worth it. Have gotten upgrades that have saved me that much and more on several occasions and the early embarkation makes it all worth while for me. I have heard that there good points to other loyalty clubs but have not personally used them. I'm sure that someone will have those answers.