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We have just returned from the Norwegian Jewel and had a great holiday. We did use our credit card but if you want to use cash take US Dollars as that is what the ship works in. With this company they put gratuties on each day 10 dollars per person plus children also have to pay I think its half price. Things on the ship are very expensive including the trips but if you are not big drinkers it wont be too bad because tea,coffee,water,ice cream biscuits snacks are all available 24 hours free of charge. Some of the restaurants carry a cover charge but there are five you can use that dont. There is not an indoor pool on the ship but pools and jacuzzi (outside) are all free including the indoor gym. Entertainment is all free but spa treatments and pamper packages all charge a fee. Drinks work out about the same as buying a drink in a hotel but all drinks have an added service charge of 15%. Room service is free but usually give $2 tip per time. Each evening you are delivered a ship news letter please read it and carry it with you as it gives you the information you need to know of whats going on when and where. Do not take alcohol in your case as it will delay delivery of your case and it will be taken off you until you return home.you will give your cash in at beginning of the cruise and if you run out they will let you know and you may top up at any time. The ship also charge $10 per transaction for exchanging money so if you know you using the euro take them with you. hope this helps you. Also there are laundrettes on deck 5,7,9,11. which are not widely advertised these are also free of charge just pay for soap powder.
We have just got back and we used cash rather than credit card. They asked us to put down a deposit, so we initially put down 100 dollars - and then put down some more at reception the next day. It has to be US dollars. You can add to your card at the reception desk at any time. There is an option to prepay gratuities with your initial bill. Have a good time.