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inCruises Review (2023): Is It Just Another MLM Gig?

By: JosiahDec 11, 2023Network Marketing
inCruises Review (2023): Is It Just Another MLM Gig?

InCruises is an MLM company that promotes its brand as a premier cruise membership club. If you've ever wanted to head out on a "global destination cruise" but don't have the money for it, InCruises says you will fit right in with them.

But is this really any different from any other MLM? And how much do its membership fees cost, anyway?

Let's dive in and find pun intended.


This InCruises review has been thoroughly researched with information and testimonials that are available to anyone in the public. Any conclusions drawn by myself are opinions.

  • Possible to make money
  • Cruises are relaxing
  • Misleading benefits
  • Members claim they aren't able to use the money they invested
  • So many better alternatives out there

Why Listen To Us

My name is Josiah, and this is my Dad, Joel.why listen us

Together, we make up the team here at Scamrisk.

If you’ll let me bother you for two minutes, I’d like to quickly explain why I’m even here writing this review.

In early 2020, I had just graduated from college & had no real career prospects.

I knew I was destined for something more, but I had no clue how I was going to make it happen.

I had this sinking feeling in my gut all the time… like the “big man upstairs” had accidentally given me the version of life where I’d be mediocre forever, instead of the one where I was, ya know – happy & fulfilled.


I had fiddled around with some different online businesses in college:

Some random MLMs, a bit of affiliate marketing, a (failed) dropshipping store or two, all the usual suspects.

Even my dad had been involved in MLMs back in the day… selling knives & other random nonsense people (probably) didn’t need.

All I really wanted was to find something that was going to actually work for me.

Maybe those things had worked for others, but for me it all turned up a fat “0” in the bank account department.

So I searched! And searched… and searched… and searched…

And eventually, I somehow stumbled upon a program that promised to help me build an income online (read about it here if you’re curious).

I didn’t really want to be “rich”.

The thought of making a reliable $5K per month & not having to worry about clocking in to a 9-to-5 ever again was all I needed.

Sure, there were people in the program doing high-6 and low-7 figures per year… but that wasn’t what I was out for.

I just wanted to provide freedom for myself, and if I was lucky, take my family along for the ride.

Fast forward a few days and a few phone calls & I was enrolled!

Here’s the first “money making website” I put up:

why listen us gif

I built that site in 2020, and it still makes me $1,500 per month. It’s a basic 5 page website I built based on a template the program provides.

The best part to me? My dad and I get to do it all together!

So between the:

  1. Ease of reaching $5-$10K per month in income online

  2. Straightforward-ness of the system to do it

  3. Fact that I get to do it w/ my family

Is why I recommend local lead generation as my #1 business model for making money online.

Sure, it takes some work and dedication – but anyone that tells you that there’s a business out there that requires no work is selling you a lemon.

I’m not saying you need to sign up for the same program I did, but I would definitely recommend giving the business model a peek!

Chances are you heard about InCruises because someone – a friend or family member – introduced you to the company. Maybe you attended an online workshop or webinar, or maybe an in-person information session.

Your head’s probably spinning. This might be the first time you’ve heard about a real way to make money outside of a typical job.

So first off, congratulations!

You’ve just entered a whole new world…the world of making money on your own terms.

However, you came in through the wrong door.

Because InCruises is – plain and simple – an MLM. Throw whatever fancy name you want on it…multi-level marketing (MLM), network marketing (NWM), direct sales, or anything else, it’s the same concept:

You pay some money upfront for the “opportunity” to sell products.

The products are typically low-quality but with high price tags (because fancy labels and stuff).

You’re told that the key to building your own successful business is selling these products to friends and family, and getting them on a subscription (so you get “monthly recurring revenue”).

Unfortunately, like most people who get taken in by these types of schemes, you’ll quickly discover that the well runs dry faster than you imagined.

After all, they make it sound really simple. “Just get 5 people you know onto this magic widget, and things will just grow from there.”

And in your head, you think “How hard can it be? I know plenty of people, 5 will be easy.”

But then you do it, and you realize people look at you like you’ve joined a cult. You’ve become “that person”, who joined an MLM, and is now trying to sell questionable products or services to everyone they meet.

It puts a strain on your relationships, and you end up stuck between two worlds.

But it’s not your fault. These companies spend millions of dollars each year figuring out exactly how to brainwash and recruit people. And that’s why we’re here.

To help you find a better way before it’s too late.

So, what if there was a way you could build a passive income stream that’s actually passive?

An income stream that doesn’t require:

  • Inventory
  • Selling to friends and family
  • Selling to strangers
  • Recruiting people
  • Dealing with questionable products that weigh on your conscience

An income stream that brings in consistent revenues every single month (from a couple thousand dollars to well over $10,000)?

An income stream you could actually build in your spare time, and grow as large or as small as you want to, without having to spend hours a day chasing, selling, or managing anything?

If that sounds like something you’d be interested in, check out Digital Leasing.

TESTIMONIAL - Still Getting Paid

This is nothing like MLM, and that’s probably a good thing.

However, if you’d still like to know more about InCruises, keep reading.

What Is InCruises?


InCruises is, unsurprisingly for people who like to travel via cruise ship. Specifically, they are an MLM company that both offers discounts for tickets, as well as pushing for people to work for them in selling tickets to their family and friends.

The company started in 2016, and it is part of CLIA (International Association of Cruise Lines).

According to InCruises, they offer membership for people who want to spend less money on cruises, with all their meals and entertainment paid for.

As mentioned, they also get discounts on trips, and offer the ability to earn money for referring people to InCruises.

Cruise lines like MSC Cruises, Holland America Lines, Carnival, and Princess Cruises are all featured on the website.

They say that when you join InCruises, you will receive cruise rewards, bonuses, and discounts. On top of that, you will also earn through their other programs.

Who Owns InCruises?

Who Owns InCruises

InCruises was founded in 2015 by two experienced entrepreneurs, Michael T. Hutchison and Frank J. Codina.

Michael T. Hutchison

inCruises CEO Michael Hutchison premier cruise membership clubs

Michael graduated from Georgetown University in Washington, D.C., but now lives in San Juan, Puerto Rico..

He began his career working with Ross Perot’s Electronic Data Systems (EDS)

Tony Robbins’ V.P. of Worldwide Sales and Marketing (1987-1994)

Host of the web T.V. show Credibility LIVE

He is the best selling author of Speaking Mastery, Stop It!, and Profiles in Persistence.

Frank J. Codina

InCruises business model by CEO FRANK CODINA

Frank J. Codina resides in Puerto Rico’s capital city of San Juan.

He started his career at Primerica, which later became a Citigroup subsidiary – he was a leadership team member that assisted in the 2010 NYSE: PRI listing of Primerica.

He co-founded CitiSolutions Financial Limited in Spain, Ireland, and the United Kingdom.

Frank is the co-founder and CEO of NEURS LLC, where he collaborated with Dr. Denis Cauvier on the book START NOW!

What’s Inside InCruises?

Cruise Vacation Solutions that you can enjoy cruise vacations while you earn money through monthly compensation plan

For you to get started with InCruises, unlike other MLM companies where you can just barge into their membership website and register yourself, you need to have an invitation to be their member; otherwise, you cannot proceed.

This is designed to create a feeling of missing out; exclusivity.

Partners Vs. Members

Members pay a monthly fee for the right to supposedly get cheaper cruises, while Partners pay for the ability to sign up other people under them to make sales.

Partners often become Members as well, leading to the classic MLM-feel of the whole thing.

The monthly fee is converted into “Cruise Dollars”, which certainly sounds bad.

Remember that you may only spend 60% of your investment when you travel. In the second year, you may utilize 70%, and so on until the fifth year when the corporation releases 100% of the accrued value…however, some “Partners” have complained that the company is more restrictive than they let on.

The principal source of income is through membership sales.

What Are Cruise Dollars?

Cruise Dollars are cruise travel credits granted to members for use on the InCruises website.

These credits are automatically applied to your profile each time you pay your monthly subscription and never expire. Cruise Dollars may be used to book a cruise at any time.

It’s worth noting that Cruise Dollars are not the company’s official currency and cannot be converted to cash. These credits are redeemable for discounts solely on travel bookings.

How Does The Incruises Club Service Work?

InCruises Membership

InCruises does not provide free travel, but it promises travel reductions if you pay in advance.

The company can function with monthly contributions from members and profits from new subscriptions recruited by existing members.

Because it is required to pay fees and obtain tokens during the first three months, it is not feasible to utilize your CDs during those three months.

As a result, they set aside U.S. $ 300 (U.S. $ 100 each month) as an initial investment, which you can’t utilize for the first three months.

Referring five friends and requiring them to remain on the platform for at least the first three months is one approach to attaining 100% in the first year.

In this light, the company’s rationale is as follows: the more individuals you recruit, the more discounts and privileges you will get on your cruise travels, including the opportunity to go for free or even be paid to travel.

InCruises Compensation Plan

incruises mlm recruit compensation commission

Within the InCruises compensation model, there are nine affiliate levels.

InCruises pays affiliates commissions for bringing on new affiliates who also sign up for a vacation membership.

The amount of a commission is decided by the number of affiliates recruited each month.

Affiliate Levels And Their Qualifying Criteria

  • Sign up as an affiliate and pay the InCruises affiliate fee.
  • Marketing Manager – sell $3000 in downline travel memberships every month
  • Senior Marketing Manager – sell $10,000 in downline travel memberships every month as a senior marketing manager.
  • Marketing Director – sell $25,000 in downline vacation memberships every month
  • Senior Marketing Director – sell $50,000 in downline travel memberships every month as a senior marketing director.
  • Regional Director – sell $100,000 in downline travel memberships every month
  • National Director – sell $200,000 in downline travel memberships every month
  • International Director – sell $300,000 in downline travel memberships each month.
  • Executive Director – sell $500,000 in downline travel memberships every month.

Monthly Commission

You may earn instant pay bonuses ranging from $50 to $150 for bringing in partners like yourself:

  • $50 when you recruit your first affiliate.
  • $60 when you recruit your second affiliate.
  • $70 when you recruit your third affiliate.
  • $80 when you recruit your fourth affiliate.
  • $90 when you recruit your fifth affiliate.
  • $100 when you recruit your sixth affiliate.
  • $110 when you recruit your seventh affiliate.
  • $120 when you recruit your eighth affiliate.
  • $150 when you recruit your tenth affiliate (and every affiliate after that)

Recruitment commissions are reset to $50 at the end of each month.

Residual Commissions

InCruises uses a one-level compensation system to pay residual commissions.

An affiliate is put at the head of a uni-level team, with every individually recruited affiliate placed right behind them (level 1):

Level 1 affiliates who recruit new affiliates are assigned to the original affiliate’s uni-level team’s level 2.

If any level 2 affiliates join new affiliates, they are promoted to level 3, and so on, up to a theoretical limit of an unlimited number of levels.

InCruises limits the number of uni-level levels that may be paid out to five, with commissions paid out at a set rate of $5 per month for each trip subscription sold and kept inside the uni-level team.

Purchases of travel subscriptions by affiliates and retail customers are included.

To be eligible for residual commissions, an InCruises affiliate must sell and maintain five active travel memberships (affiliate or retail) and personally recruit at least one other affiliate to do the same.

Bonuses: Rank Achievement

If an associate qualifies at an acceptable rank, InCruises pays the following Monthly Leadership Bonus.

  • $500 for a marketing manager
  • Marketing Director – $2500
  • Senior Marketing Manager – $1000
  • $5000 for a Senior Marketing Director
  • Regional Director – $10,000 a month
  • National Director – $20,000 a month
  • International Director – $30,000 a month, plus a Rolex watch (one-time)
  • $55,000 for Executive Director

Each month, InCruises pays out 5% of the company’s total sales volume in equal shares to “qualified leaders.”

The InCruises pay plan does not include any criteria for “qualified leaders.”

Travel Benefits

Within 60 days of signing up, a new InCruises affiliate who recruits seven affiliates who each acquire a travel membership receives a “50 percent discount” voucher for a “Company Sponsored Dream Cruise.”

“Earn a Dream Cruise booking for two with no out-of-pocket charges” if a new affiliate recruits fourteen travel subscription affiliates within 60 days of joining.


The big problem with all this is that a lot of Partners claim they go to use their Cruise Dollars and discover they’re only allowed to access 30% of the money they’ve invested – even years later!

Let’s share a couple quotes from online reviews…

What Does The Internet Have To Say?

What Does The Internet Have To Say

Let’s hear the voice of the people:

“THIEVES. Say goodbye to your money if you give it to them.

They tell you they will match what you put into the account, but they don’t let you use your own money! If you want to cruise, you can only use small portions of what is in your account and then you have to come out of pocket even though you have thousands of $$ dollars sitting in your account! I can’t believe how they get away with this! Their mission is to create affordable cruising experiences. That is the biggest BS I have ever heard! THEY HOLD YOUR MONEY HOSTAGE.

I have paid into this 3 years and accumulated $9,000 worth of cruise points (couldn’t cruise during Covid). When I finally went to book a cruise. I was only allowed to use $1,200 of those $9,000 points, so I decided to book a second cruise six months later to use my remaining points and they only allowed me to use $52 from the remaining points. If I cancel my membership I lose the cruise I booked, which is three months away, so I have to pay them $300 more to keep the membership active until then, and then when the cruise is over I can cancel, but will leave all that money behind because you give them your hard earned money, and THEY DON’T LET YOU APPLY THE MONEY IN YOUR ACCOUNT TO BOOK A CRUISE. THEY ARE HOLDING MY MONEY HOSTAGE.

They design it so you keep paying into it and have no choice but to walk away leaving your money behind, or continue to pay forever, never using up what you have saved up. THIEVES. NOTHING BUT THIEVES. I am never speaking to the friend who introduced me to this.”

…wow. Not good. Let’s try one more to be safe.

“STAY AWAY…It’s not as perfect as they say!

I have been a partner and spared 2400$ (excluding “cruisedollars”). I stopped spare bcs we couldn’t use more than a third of the money spared, that’s something they did not tell when they “recruited” me. So now I have that money accumulated and no way to use ot or get it back.This is a scam. All that hard working money is there and I can not use it to go on vacation with my fam. Please don’t fall into this scam.
I’ll check with the consumer council here in Norway to check what I should do here…”

InCruises Scam?

Scam or Legit

InCruises is a multi level marketing company, and more than 95% of the people that work under that model don’t make any money.

Is InCruises is a pyramid scheme. My observation is related to the structure of the MLM companies’ business model.

InCruises is not a pyramid scheme in the traditional sense.

So, is there an InCruises scam?

Not really.

You can make money with this program, but it’s definitely not as easy as the company makes it sound.

There’s a ton of work to be done upfront, no real guarantee of success, and – most importantly – the actual commissions are pretty small.

Now, there’s nothing wrong with front-loading the work and making the money later.

But if you’re grinding it out for 3 months and then your reward is a $50 commission, it’s not really worth it.

What if, instead, you could do that same 3 months of work (in your spare time), and your reward was a $500 to $2,000 payment that came in every single month?

And what if you actually didn’t need to wait 3 months? What if you could get started today and have your first payment in a week?

And what if you could double it next week?

Well, that’s the power of Digital Leasing.

And, unlike an MLM, you can legitimately do this from anywhere. It’s a true lifestyle business.

Your laptop and an internet connection is all you need.

Some of the most successful students in this program run their entire 6-figure businesses from:

  • A camper in the middle of the woods
  • A beach chair on the water in Mexico
  • A small villa in Greece

TESTIMONIAL - Saying Goodbye To Our Jobs

They’re able to travel around, living their lives first, and focusing on their income second.

Because even if they stop working for an extended period of time, the money keeps coming in.

So adventure, memories, and experience are the top priority.

And they never have to worry about how to pay for the next trip, or consider asking for time off.

If this sounds more like the type of life you want to lead, just click here to find out more about Digital Leasing.

How Much Does InCruises Cost?

incruises how much does it cost

No free membership, here.

As one can see, there is a $95 activation fee for Partners, and a $100 for Members. 

There is also a recurring $100 charge every month as a Member.

It seems there is large crossover with “Partner-Members”, which is how the company grows – recruiting family and friends.

InCruises’ Refund Policy

incruises refund policy

It looks like there is a 14-day refund available for the opening fee, but your monthly fees will be gone once they’re “invested”.

Be careful!

Are There Alternatives After Reading InCruises Reviews?


Yes, there are plenty of MLM companies to choose from if you want to pursue this business model after reading these InCruises Reviews. Here are just a few:

What Is Our Top Recommendation In Making Money Online In 2024?

Digital Leasing

Our review team has spent months researching, reviewing, and vetting dozens of business models and thousands of programs.

While there may be no “perfect business”, the research IS conclusive:

Digital Leasing is the #1 online business model for those just starting out.

Whether you’ve never made a dollar online, or you’ve been in this space for a while but never really “made it,” Digital Leasing is for you.


1) It’s Flexible: got an hour a day? You can do this. Ready to drop everything else and dive in full time? You can do this. Yes, the more time you put in, the faster you see results. But even with a little time each day, you can move the needle in a Digital Leasing business.

And because this system is so flexible, you don’t have to constantly be working to make more money. It’s called PASSIVE INCOME because if you stop working, the money doesn’t.

Imagine taking 3 months off to just tour around Europe, rent a cabin in the woods to write a book, hike the Appalachian Trail, or live on the beach and surf all day.

This is only possible if you have an income stream that’s not tied to your time.


2) You Own & Control EVERYTHING: With MLMs and Network Marketing, you don’t really own anything. You have no control over the quality of products. You don’t even own your “team”.

Look at the fine print for most of the agreements folks sign when they join one of these companies. At any point, the company can change your commission structure, reduce your profit margins, or kick you out entirely.

With Digital Leasing, you own the assets, which means you have all the power and all the control.

TESTIMONIAL - Feeling Blessed

3) Little To No Startup Costs: It’s possible to get into Digital Leasing with zero dollars upfront. Because, using the strategies outlined in this program, you can get a client to pay you BEFORE spending a penny out of your own pocket...even before you do any work.

Even without getting paid in advance, you can have your first Digital Rental Property up, running, and generating profits for less than $100.

TESTIMONIAL - Scott Lead Gen

4) No Inventory: Alright, so most MLMs don’t make you buy the products and fill your garage with them anymore (unlike the good ol’ days), but you’re still in a physical products business.

And physical products always have physical limitations. Even if you don’t have to manage the inventory, you still have to deal with supply chain shortages that cause major delays.

Imagine finally landing your first customer, and then losing them after one sale because they had to wait 6 weeks to get their order.

With Digital Leasing, a 100% online business, you never even have to think about that risk.


5) Easy To Duplicate: Ok, here’s the best part: once you have your first Digital Rental Property up and running, you can literally DOUBLE your income with a few clicks, a couple keystrokes, and a single phone call (and you don’t actually need the phone call).

Remember: each Digital Rental Property is worth $500 to $2,000 a month in semi-passive income (over 95% profit). Every time you decide to create another one and increase your income, it gets easier.

Because you have more knowledge, more experience, more results, and more momentum.

If you wanted to double your income with an MLM, you’d have to double your customers OR double the average order size of your existing customers. And, guaranteed that’s a lot harder than a few clicks and a few minutes of your life.

TESTIMONIAL - Lance Lead Gen

6) Make Money Helping Real People: This part is what makes it all worth it. In an MLM, your “upline” might convince you that what you’re selling improves people’s lives, but deep down, you likely know that’s not true.

Most of the time, you’re either selling a dream or a poor-quality, overpriced product with a fancy label.

And that makes it pretty hard to sleep at night.

But with Digital Leasing, you’re actually helping people by solving your clients’ biggest problem:

Small, local businesses need more customers, and with Digital Leasing, you are unleashing a flood of happy, paying customers for these businesses.

You make money by helping them make money.

Not a big, faceless corporation either...a small business owner who’s using that money to put food on the table for their family, start a college fund for their kids, or take care of a sick parent.

Once you see how Digital Leasing makes a real impact in the lives of real people, you’ll sleep like a baby with a big smile on your face.


Now, the choice is yours.

You could continue browsing, looking at opportunities like InCruises which could one day make you money.

You could continue researching, never making a decision.

OR, you could take a look inside, consider what you really want, and join a program that makes your dreams a reality. At the same time, joining a community of over 2,000 successful students that are living life on their own terms thanks to Digital Leasing.

A consistent, reliable, semi-passive stream of income that doesn’t depend on you or your time to keep producing profits.

All while genuinely helping real people who are grateful and happy to pay for it.

If this sounds more like what you want out of life (or if you just want some nice side income), click here to learn more about Digital Leasing.

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