this card is just backed up by your credit card.....you can charge as much as you like on it. Or you can put down a cash deposit to back up your charges. My daughter and I went on a cruise two years ago and only charged $150.00 on our sign and sail card. In February, I am going on a honeymoon cruise and we are budgeting about $1000.00. My future husbands boss and his wife recently returned fron a cruise and just their drink tab was over 1000.00! So you see, that is a hard question to answer. Your spending is up to you. You can budget and have a wonderful cruise as my daughter and i did or you can absolutely go over board! Have fun! -Cindy
On Carnival you can also back up your Sign & Sail card with cash. I believe the minimum is $500 to open the account. At the end of the cruise, whatever has not been spent will be refunded to you in a check.