Tochka KapitalaTochka Kapitala
TravelCuratedLow risk

inCruises

International cruise club since 2016: membership subscription + affiliate program. Monthly fees convert into Reward Points — a travel savings pot for cruises and hotels.

Description

inCruises is an international cruise club combining a travel-service subscription with a referral rewards program. Active since 2016, with 1M+ registered users across 194 countries (~half are paying members). Closed membership: new participants can only join via invitation from an active Independent Partner. How it works Every $1 paid by a member converts into Reward Points. For Classic and Premium with on-time payment the multiplier is 2× — i.e. $100 gives 200 points. Points are not redeemable for cash, but are used for partial payment of cruises, hotels and tours on the club platform. Points do not expire — they remain on the account as long as the participant is active, and are preserved during membership pauses. Cruise prices on the platform match open market rates (directly from cruise companies, no travel-agent markups). Savings come from applying accumulated points — up to 50% of a booking for active members, up to 17% for inactive. Membership plans (since 2024) • Premium — $250/month (start fee $500, of which $250 is activation). Activation: 800 Reward Points. Unlimited INsider Pricing bookings per year, premium-category cruises/hotels available. 2× Reward Points. • Classic — $100/month (start $200, includes $100 activation). Start: 350 points. Up to 5 INsider Pricing bookings per year. 2× Reward Points on time. All standard cruises and hotels except premium. • Starter — $50/month (no activation fee). Start: 100 points. Up to 2 INsider Pricing bookings per year. 1× Reward Points, no double bonuses. Upgrade to Classic/Premium available; downgrade is not officially supported. • Free Registered Member — free registration: 50 welcome points, access to INsider Pricing with 17% discount on a limited range/period. Without paid membership points cannot drive 50% price reduction. Affiliate program (Independent Partner) Any adult can become a partner — one-time $95 fee + $95 every 6 months to maintain status. Membership purchase is not required for partners. Commissions are paid only on sales of club membership products — not for recruiting new partners as such. This aligns with legal direct-sales norms and distinguishes inCruises from pyramid schemes. Partner income streams: • Activation Bonus — one-time reward per personally enrolled paid member. $20–$150 per activation depending on plan and monthly activations. • Recurring Income — $5–$10 commission per monthly payment of invited member. Top partners reportedly earn tens of thousands per month here. • Membership Free Incentive — hitting $500 direct sales volume per month (~5 new Classic members) gets the partner's next fee paid by the company (up to $100). • Leadership Bonuses / Builder's Bonus / Team Leadership — multi-tier team volume system. From $500/mo for first achievements up to hundreds of thousands for top-rank leaders. • Promos & contests — activation contests and bonus-points incentives. Social media rules (mandatory) • Any online mention of inCruises requires clear «Independent Partner» disclosure + official logo. • Only direct links to the official site allowed (format yourname.incruises.com). • No creating pages/groups/domains that mimic official inCruises channels. • No direct sale/registration inside social networks — registration must go via the official site. • No screenshots of member-only prices, invoices, corporate promo codes. • No income guarantees, personal earnings showcases, or competition with fellow partners. • No spam, no mass unsolicited DMs. • Violations can lead to termination from the program.

Our score

Mature model: 10+ years of operations, 1M+ users across 194 countries, transparent membership and affiliate program terms, compliance with legal direct-sales norms (commissions only on membership sales, not recruitment). Key risks — high premium plan cost and point-usage limits for inactive members.

Risk disclosure

inCruises is a subscription travel-services club, not an investment product. Fees do not convert back to cash — points can only be used for partial payment of cruises/hotels on the platform. Partner income depends on activity and is not guaranteed. Partners must follow promotion rules (Independent Partner disclosure, no direct sales in social media, no income guarantees). Informational resource, not investment advice.