inCruises Review (2024 Update): Everything You Wanted To Know!

By: Brittney

Welcome to my inCruises Review. My goal is to help you understand what the program is all about, how much it costs, if it's a good use of your time, your money, and much more! It should be less than 10 minutes start to finish, so let's dive in!


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.

The Good Stuff

  • Unique offer
  • It's for people who love to travel
  • Easy cancellation

The Bad Stuff

  • Limited offerings
  • Not everyone loves a cruise
  • Cruise memberships are overpriced

Firstly, Why Am I Writing The Review?

Nice to meet you, my name is Brittney!

My story starts like many do… “slaving away” at a 9-5 job that I didn’t really enjoy, but hey – it paid the bills.

I worked for a large Fortune 500 company that performed background checks for other companies when they wanted to hire a new employee… so you know, not exactly exciting stuff.

For a lot of people, a nice stable job and predictable check coming in every month is the picture of success, but for me, it felt like I was missing out on life.

Clocking in every single day, doing the same tasks over and over again, getting home with barely enough time to make dinner and enjoy some time to myself… only to wake up again the next morning and do it all over again.

I just wanted to enjoy life without being shackled to an unfilling job.

I wanted to be able to take vacations whenever I wanted, for however long I wanted.

I didn’t want to have to beg my boss for a salary increase that barely matched inflation.

I just wanted to be free and happy.

Then about 4 years ago (as a stroke of luck), I stumbled across a program that taught me how to make money online by actually helping real people (local US businesses).

Who Cares About That?

99% of reviewers out there don’t have experience running an actual business. They’re writing about stuff that they have no real experience with.

Why would they do that?

They just want you to click through and buy the program that the review is about!

I have absolutely no relationship with J Rich, so you can rest easy knowing that I’m going to give you my honest opinion.

This review is written based on my own experiences with this business model.

All that being said, let’s jump into things.


Taking a vacation is the best way to relax and escape the stress of everyday life.

Why not take a world cruise, and take advantage of cruise discounts? And what if you can make money while you’re on the waters? Would you take the risk?

What if this is just like other MLM companies dressed as a pyramid scheme that will cheat you?

Is inCruises a pyramid scheme? This review will tell you.

But, a little word before we get started.

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. 

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?


You may use inCruises if you want to go by a cruise ship. As a member of the International Association of Cruise Lines (CLIA) , it focuses on the cruise industry.

In 2016, this Multi-Level Marketing company was founded in California, where their headquarters are currently located.

InCruises focuses on tourism and travel.

This is a great membership option for you if you’re looking to take a cruise for less money and with fewer worries.

What else? They also get discounts on trips!

You even can earn money for referring people to InCruises. Cruise lines like MSC Cruises, Holland America Lines, Carnival, and Princess Cruises are on site.

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?

InCruises CEO Michael Hutchison Premier Cruise Membership Clubs

Michael T. Hutchison and Frank J. Codina, two experienced entrepreneurs, founded inCruises in 2015.

In Washington, D.C., Michael completed his undergraduate studies at Georgetown University.

It all started with Ross Perot’s Electronic Data Systems (EDS) (EDS)

He served as Tony Robbins’ Worldwide Sales and Marketing Vice President (1987-1994)

He is the Dun, and Bradstreet Host of the web T.V. show Credibility LIVE.

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

Michael T. Hutchison lives in San Juan, Puerto Rico.

Who Is Frank J. Codina?


San Juan, the capital city of Puerto Rico, is home to Frank J. Codina as well.

Before joining Citigroup, he worked at Primerica, which the bank eventually purchased.

In Spain, Ireland, and the United Kingdom, he co-founded CitiSolutions Financial Limited.

As a leadership team member, he assisted in the 2010 NYSE: PRI listing of Primerica.

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

How Does InCruises Work?

How Does InCruises Work

Unlike other multi-level marketing companies where you can enter their membership website and register yourself, InCruises requires you to have an invitation to become a member.

As A Member


There are travel discounts available to you. You pay a monthly fee of $100 USD, which is converted to 200 Cruise Dollars; in other words, for every $100 USD invested, you “earn” 200 Cruise Dollars to spend solely on cruise tickets.

As A Partner

InCruises Partner

Travel discounts, commissions, and incentives are paid in cash. To join, you must first invest $195.

What Are Cruise Dollars?

What Are Cruise Dollars

A member’s Cruise Dollars may be used on the inCruises website to book cruises for themselves and their loved ones.

These credits stay active and have no expiration dates since they are given each time you make a monthly membership payment. Cruise Dollars may be used at any time to book a cruise.

Understand that Cruise Dollars are not the money the corporation uses and cannot be exchanged for cash.

These credits may only be used to get discounts on trip reservations. Travel discounts, commissions, and incentives are paid in cash.

How Does The InCruises Club Service Work?

InCruises Membership

While InCruises does not provide free travel, it does guarantee cheaper rates if you prepay.

The company may run with monthly payments from members and earnings from new subscriptions. Using tokens during the first three months is impossible since they must be paid for and obtained.

They set aside $300 (U.S. $ 100 each month) as an initial investment, which they can’t use for the first 3 months. Out of a total of U.S. $ 2,400, just 60% equals U.S. $1.440.

This proportion rises over time until it reaches 100% in the 5th year, although you may use all of the money before you reach the age of five.

Referring to 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.

New user registrations fires up the platform, so they may earn up to $ 150 in monthly awards when a user recruits new members.

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 Compensation Plan

There are nine affiliate levels in the InCruises compensation scheme.

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

InCruises pays affiliates instant pay bonuses 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.

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

Bonus for the Producer
Global Destination Cruise

With every three non-affiliate vacation subscriptions sold in a month, an inCruises associate gets 100 Cruise Dollars.

Bonus for Rank Achievement

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

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

Every month, InCruises distributes 5% of the company’s total sales volume to “qualified leaders.”

There are no criteria for “qualified leaders” in the InCruises compensation plan.

Travel Benefits

A new inCruises affiliate needs to recruit seven affiliates to earn a cruise vacations membership. This must be done within 60 days of signing up and they will earn a “50 percent discount” coupon for a “Company Sponsored Dream Cruise.

You can earn a Dream Cruise booking for two with no out-of-pocket charges, if you recruit fourteen travel subscription affiliates within 60 days of joining.

Joining InCruises

InCruises affiliate membership is $195 for the first year and then $95 yearly.

Everything is available on the inCruises website.

Is InCruises A Scam?


So, is inCruises a scam?

Not technically. 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

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.

Are There Alternatives To InCruises?

alternatives ggmoney

Yes, there are plenty of other business models to choose from if you want to pursue making money online.  Here are just a few:

What Is My 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.

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.

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.

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.

Brittney Here!

I get to travel the world and live life without financial worry thanks to the system below!