Yes, the sail and sign card is backed by you credit card. At the end of the cruise whatever your "balance" is will be charged to your card as a "purchase" from CCL. So the cash advance thing doesn't come into play. You can get cash on your sail and sign card in the casino but they charge 3%.. but if that is the only way you are going to have cash, then maybe thats not a concern. Also consider the finance charges on your credit card. They may charge a higher % on cash advances then on purchases, so getting cash on the ship and having it show up as a purchase may be an advantage.
Have a great time on your 1st Cruise!
Carnival Cruise Lines:
Fantasy 90, Celebration 95, Victory 05, Conquest 05, Spirit 6/06, Freedom 6/08, Holiday 7/08, Victory 6/09, Valor 9/09, Dream 6/10, Splendor 8/10,Conquest 8/11,Magic 11/11,Triumph 4/12,Spirit 7/12,Freedom 11/12, Triumph 2/13 - The fire cruise
NCL Dream October 2006, RCCL Mariner OTS June 2007, Celebrity Silhouette 2013