Darlene, just returned from my first cruise (Fascination) this past Monday. It is basically "cashless" while on board. Everything goes to your sail and sign account and you can settle that in cash prior to disembarkation if you prefer. You will need cash for casino, while on shore, and of course tips. It's your call if you want to keep your on board charges on the credit card you used when you checked in or pay cash at the end. FYI the pursers/info. desk gets VERY busy the evening before and morning of disembarkation!