Honest Review of inCruises – Can You Really Get Paid to Take a Cruise?

Who doesn’t want to spend their workday soaking up some sun and having a blast on a cruise ship? For some, that might mean taking a job aboard as part of the crew, but for this company of entrepreneurs, it means selling discount cruises to their friends – and then going with them for the ride.

What Is inCrusies?

At its core, inCruises is a basic MLM (multi-level marketing) company, similar to things like Mary Kay or Tupperware. Instead of selling makeup or kitchenware, inCruises partners are selling discounted trips on cruise ships all over the world. In another sense, however, inCruises is also like a timeshare company. In order to purchase these seemingly amazing deals, buyers must first purchase a membership into the club. The company markets this model as a “travel membership club”. Here’s how each level of the company works:

Discount Cruises for inCruises Members

The initial level, and the main product that inCruises partners sell, is the membership into the travel club. Memberships cost $100 per month, and that money is converted into 200 “cruise dollars” that allow members to book cruises around the world at discounted prices. There is a variety of cruise lines that participate with this program, and the cruise dollars never expire.

The membership cruises are divided into two types: Dream Cruises, which are hand selected by the inCruises staff, and Global Destination Cruises, which seems to be a catchall category for most everything else. Members can use their cruise dollars to pay for up to 50% of a Global Destination Cruise. Dream Cruises must be paid for by cruise dollars.

There are no limits to how many cruises can be booked in a year, and spouses can combine their cruise dollars if each is a member. In other words, for $200 a month, a couple can spend 400 cruise dollars towards a cruise that participates in the club. Let that roll over for a full year, and a couple could have 4800 cruise dollars to spend.

All in all, the membership definitely has it perks at first glance. But as with all buying clubs, there are some potential cons to be aware of, too.

Potential Member Pros

  • Essentially, you are doubling your buying power each month with the conversion to cruise dollars. This means you could end up getting “2 for 1” cruises (a big selling point on the inCruises website), or a much nicer cruise for your money.
  • As far as buying clubs go, inCruises goes out of their way to allow for combining points, bringing along non-member friends, etc.
  • Cruise dollars are not considered a legal currency, so you don’t have to consider the “doubled” money as taxable income.

Potential Member Cons

  • There is no way to pay for Dream Cruises out of pocket if you don’t have enough cruise dollars accumulated. You’ll have to wait till you do.
  • You cannot pay more than $100 per month towards your account, so it may take you longer to save up for a Dream Cruise.
  • You are limited to the cruises that the club offers; you can’t use your cruise dollars to get reimbursed for a cruise that isn’t offered by the club at all. This is the biggest concern that most potential members have – is there enough variety and are the available cruises worthwhile? There’s no way to tell without joining.
  • There is no financial protection in the event that the company fails. According to the inCruises website, should the company fail, the money you have paid into the club will not be refunded. There is a 30-day guarantee for new members, and that’s it.

Get Paid to Cruise as an inCruises Partner

The second level of the inCruises business model is the MLM set up. Members can upgrade to “partners” who sell memberships. The more memberships they sell, the more commissions they earn. The model is very similar to most MLM companies, in which you can also recruit other partners to be part of your “partner team”, and earn a small commission on their sales as well. In addition to earning commission, partners can also reach a level where their monthly membership is totally free – they’ll earn 200 cruise dollars a month for nothing.

Because inCruises offers something worth real monetary value (membership into the travel club), it is not considered a pyramid scheme. However, it’s important to note that inCruises isn’t really offering a product itself, but rather just acting as a channel that allows people to save for and book cruises from other companies.

In addition to having the opportunity to make commissions, partners can also earn bonuses, and have access to online training that helps them become better salespeople within the cruise and travel industry. It costs a one-time fee of $195, plus a yearly fee of $95 to become a partner.

Just like being a member, there are potential pros and cons to becoming a partner with inCruises.
Potential Partner Pros

  • Earn your cruise dollars for free, essentially getting free cruises each year.
  • Bonuses are reported to be between $500 to $30,000 per month. Additionally, you get a bonus between $50 and $150 each time you sign up a new member.
  • For every active member that is five levels down from you (meaning every member that you and your partner team down five steps on the pyramid have signed up), you earn commission.
  • You also earn extra cruise dollars as part of your bonuses at times.

Potential Partner Cons

  • In order to become an affiliate that earns the bonuses and commissions, you have to generate a minimum of $5,000 a month in sales – though this is hidden behind a complex system of selling memberships in groups of three or five on the website.
  • Despite not being considered a pyramid scheme legally, it does still walk a fine line due to offering only access to deals, rather than a tangible product itself.


There is currently nothing else quite like inCruises, which makes it a very interesting prospect for those who like the idea of getting paid while they cruise. There are some concerns to consider, as well as quite a few potential benefits. Keep an eye on inCruises as the industry considers the model of travel-based MLMs.

10 thoughts on “Honest Review of inCruises – Can You Really Get Paid to Take a Cruise?

  1. Tom

    No incruises is not a scam. I joined as a partner about a year ago and it is a legitimate company. I’ve watched many webinars from their founder michael hutchison and they definitely try to inspire you to go out and enlist new members and partners. They also strongly encourage you to become a member yourself but I am not. I just wanted to make money – not be a cruise club member. But depending on your circumstance it might make sense for you to do both. I have managed to sign up a few people just by mentioning incruises to friends and explaining the offer. The key is to overcome people’s skepticism and convince them that the company is legit. incruises is a good fit for people that really like to talk about what they do to LOTS of other people – especially if you happen to know lots of older people with plenty of time and money.

  2. James

    After considering joining incruises for several months I finally took the plunge and joined. My wife and I have much more time now that we’re retired and we love to cruise. We haven’t accumulated enough cruise dollars yet to take a cruise but we’ve already got our next cruise planned. It’s nice being able to plan since you know how much you’re saving towards a cruise each month. And of course you get there twice as fast as you would otherwise since savings are doubled by incruises. One perk of being a partner is potentially getting your $100 monthly membership fee waived. This will require us to sign up 5 other members, but we think we can do this in time. So far, so good 🙂

  3. Ari

    Most “travel MLM” plans are either outright scams (such as TVI Express, owner arrested in India, declared illegal around the world), operated MOSTLY as pyramid schemes (YTB, kicked out of California and other states), and a few more that pretends not to sell travel (according to their Malaysian office, they only sell suntan lotions and souvenirs locally, and thus do not need MLM license), and one even sued blogger who complained about their deceptive and hard sell tactics (WorldVentures).

    There is no margin in travel to support a MLM. Any so-called “travel MLM” is likely to be a pyramid or ponzi scheme. Can’t say for sure about incruises, but this business line does not have a good track record.

    1. Maryna


      Whot you think about Incruises?
      If this company legal why does not have a good track record?
      for people who want voyage and economize money

  4. Michael McCusker

    I would like to clarify a few things about the original post.

    First inCruises does not sell discounted cruises nor does it claim to. They actually say they don’t. The savings comes from using your cruise dollars which you have accumulated at a 50% discount.

    Second, it is nothing like a timeshare. While timeshares do serve a purpose and some people like them they do have their faults. They are legally binding contracts that non payment goes on your credit record. Even if you have paid in thousands of dollars and just want to “turn it back in”. There is also the annual maintenance fee whether you go on the trip or not. With timeshares you can book a week and double up but weeks do expire if not used.

    With inCruises there is no contract, no initiation fee and cancel at any time. Nothing negative on your credit.

    Thirtd inCruises does not have a very limited selection. They offer every cruise that all the major cruise lines offer. If you can book it on carnivals website you can book it through inCruises. Same goes for Disney, Royal Caribbean and all the others. Over 5,500 cruises in all.

    The only cruises you are not able to book on the inCruises website are charter cruises that can only be booked through the charter site.

    Fourth, you can always pay the difference with a credit card. Use as many cruise dollars as you have available and pay the rest with a credit card. A nonmember can cruise with a member in the same cabin and have the member pay the entire amount with cruise dollars.

    Two members can share a cabin with each paying any portion with their cruise dollars.

    Also there is only one membership level. Everyone pays $100 a month and gets $200 cruise dollars. Everyone has access to the same selection of cruises all at the same price. There is no platinum, gold and silver memberships like other companies that you have to pay extra for.

    The tangible product that inCruises has are the cruise dollars. Think of them as cruise gift cards that never expire, good for many cruise lines, and you can’t misplace them. And you can buy them at a 50% discount. The membership is not the product.

    For the business opportunity which is totally separate from the membership you start earning commissions right away.

    Anytime someone joins as both a member and partner you get a commission paid within 24 hours.

    For every five people you sign up as members in a month you get a $250 cruise dollar bonus.

    Making residual income based on members monthly fees is very easy to understand and so is monthly bonuses.

    The whole compensation plan I could fully explain in just ten minutes. It is very basic and easy to understand. Nothing complex at all.

    inCruises does not walk a fine line at all. They offer a membership model that offers a tangible product, the cruise dollars. They do not discount cruises. They go out of their way to be very open and transparent.

    They offer a business opportunity that is completely separate from their membership. You don’t have to be a member to be a partner and make commissions and bonuses.

    I hope that I cleared up some questions people might have had.

  5. Ken

    Convince my that this company is legit. Has a physical head office with staff and hr department. Real phone number and fax, email.
    How long in business and guarantees of any monies earned will e immediately returned upon company collapse. Tits up bankruptcy. Etc.
    These are very important concerns and need to be addressed for me to begin to accept and believe in it.
    Thanks for taking the time to view my comments.

    Creston, BC. Canada.

  6. Vlad yarosh

    I joined in cruises 2.5 years ago together with my wife, and feel very happy with this company. We are traveling at list 2 times a year without any additional expenses.

  7. Michael McCusker

    OK it is now June of 2019 and inCruises has over 150,000 members from 178 countries. The basics. Deposit $100 per month and the club matches it giving you $200 cruise dollars per month. After 6 months and $600 paid in you have $1,200 cruise dollars. Nothing hidden or deceptive. Cruise dollars never expire as long as you stay active, You can even go inactive for up to 12 months.

    To book a cruise on any of 15 different cruise lines, 135 ships, 5,500 cruises per year, you can book with 100% cruise dollars or a mix of cruise dollars and credit card. If two members are staying in one room then each can provide cruise dollars from their account.

    Refer five people that join and stay active and your monthly dues are waived every month.That’s not five new people every month just five that you referred that are active. It’s called Five and Free.

    Right now there are over 5,000 members that are Five and Free getting $200 free cruise dollars every month. for more info go to michael.incruises.com

  8. Michael

    A few corrections as of Feb 2020, since this blog post is very old.

    The article claims “There is no way to pay for Dream Cruises out of pocket if you don’t have enough cruise dollars accumulated.” This is not true. If you do not have enough cruise dollars, you can use your credit card to pay for the remainder.

    There is no problem having enough cruises to select from. There are over 5,000 cruises available with no blackout dates from Carnival, Royal Caribbean, Norwegian, MSC, Disney, Celebrity, Princess, Holland America, Costa, Azamara, Cunard, Ocenia, Regent and more.

    Partners do NOT have to generate a minimum of $5,000 a month in sales to be paid.

    There is no “fine line” that InCruises is walking. It is a legal company in 178 countries and has been in business for over 4 years. InCruises maintains all license and certifications required in any USA state. InCruises remains a member in active good standing with CLIA (Cruise Line International Association) ever year.

    It is inappropriate to associate InCruises with other travel scams, just like it would be inappropriate to compare your wife to prostitutes because both are women. InCruises stands on it’s own and is very different than other travel companies.

    Also InCruises is not paying commissions based on “margins” as one comment suggested. Review the company, membership and compensation and see that there is no paying for recruiting because signing up a partner only pays nothing. All compensation is based on memberships.

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