Photo, Getty Images/Saxifrag
We’re all captains of our own boats, but if you want to make that title official, you’ll need to earn a Merchant Mariner Credential (MMC) from the U.S. Coast Guard. A captain’s license primarily allows you to take out passengers for pay, but there are many other reasons you might want one: continued education, on-the-water confidence, and even lower insurance rates are all possible side benefits. Plus, of course, the cool hat and the ability to insist your friends call you “captain.”
You must also be able to prove your “sea time.” OUPV and lower grades of Master’s credentials require you to document at least 360 days of time on the water, 90 of which must have been within the past three years. Higher grades of Master’s credentials require 720 days. You must have been underway for at least four hours to count as a “day,” and actively involved in the boat’s operation as skipper or crew.
Merchant Mariner Credentials encompass a wide range of certifications, including what we consider “captain’s licenses.” Photo, Kelsey Bonham Bailey
There are multiple credentials that fall into the unofficial category of “captain’s licenses.” The most common for recreational boaters is the Operator of Uninspected Passenger Vessels (OUPV) credential, sometimes called a “6-pack” license. A “6-pack” is what many charter operators hold, and it allows you to take up to six paying passengers aboard an uninspected vessel that is less than 100 gross tons. An OUPV credential could be restricted to inland, nearshore, or Great Lakes waters.
Another option is a Master’s credential, which is essentially one step up from an OUPV. Master’s credentials require more written tests and usually more sea time but allow you to take more than six paying passengers aboard inspected passenger vessels. A Master’s also comes with geographic restrictions ranging from inland to offshore, as well as vessel tonnage ratings, often 25, 50, 100, 200, and unlimited.
An uninspected passenger vessel is, simply put, any vessel not required to go through an official Coast Guard inspection because it will only carry six or fewer paying passengers, although it is still required to be registered, meet all federal safety requirements, and so on. Most small charter operations are aboard uninspected vessels.
To carry more than six paying passengers, a vessel must meet higher safety standards and receive a Certificate of Inspection from the Coast Guard. Large public charter boats, ferries, and other commercial vessels are usually inspected. — K.B.B.
Before signing up for the next available class, make sure you’re eligible for the credential you’re after. To apply for any MMC, you must be a U.S. citizen and be able to pass a Transportation Security Administration (TSA) background check, Department of Transportation (DOT) drug test, and a medical evaluation that includes vision and hearing tests, physical tasks like lifting 40 pounds, and discussion of any conditions that could interfere with the duties of a captain.
You must also be able to prove your “sea time.” OUPV and lower grades of Master’s credentials require you to document at least 360 days of time on the water, 90 of which must have been within the past three years. Higher grades of Master’s credentials require 720 days. You must have been underway for at least four hours to count as a “day,” and actively involved in the boat’s operation as skipper or crew.
To document sea time aboard your own boat, you’ll need to submit proof of ownership, such as a copy of the title or registration. For time aboard someone else’s boat, you’ll need to get the owner to sign the form for you. The sea time you submit determines which grade of license the Coast Guard ultimately offers you. If you’re going for an OUPV, you’ll receive a designation for “Inland,” “Near Coastal,” or “Great Lakes,” based on where your sea time was recorded. For a Master’s, you’ll receive a similar geographic designation as well as a tonnage cap, depending on the size(s) of the boat(s) your time is recorded on.
Much of the exam is focused on a deep understanding of the Rules of the Road, also known as COLREGs.
If you’re unsure whether you can document at least 360 days on the water, it’s best to hold off on the class and exams until you can. Much of the required paperwork, including a passing test grade, expires if not submitted within a year.
The Coast Guard measures vessel size in gross register tons, which is essentially the total volume of a vessel, not the simple displacement. Formulas vary slightly by vessel type, but some vessels have a much higher gross tonnage than their displacement would initially suggest, like deep-draft sailboats or twin-hull powerboats. Luckily, the Coast Guard will calculate this tonnage for you based on more basic measurements you provide on your sea time forms. Just keep this in mind, especially if you earn a tonnage-rated Master’s license, because the rating you receive impacts which boats your license applies to. — K.B.B.
If you can meet the basic requirements and have at least 360 days of sea time, you’re ready to start preparing for the written tests. Technically, you don’t have to take a class – but I highly recommend taking a class anyway. There are online, weekend-only, and immersive multiweek classes available for every kind of schedule and learning style, and they’re all well worth the money. The kind of material on the Coast Guard’s exams is far more advanced and specific than many boaters naturally encounter, even those with decades of experience.
The OUPV and Master’s exams are very similar and consist of four multiple-choice modules (five for Master’s). The first, Rules of the Road, includes navigation lights, day shapes, sound signals, and right-of-way rules. That may sound simple, but I assure you there’s far more to it than meets the eye. Have you ever seen a big ship in the distance with a dozen nav lights on and thought to yourself, “Huh, that’s a big ship!” By the time you’re done with a captain’s class, you’ll be able to say, “That’s a trawler under 50 meters with nets out” or “That’s a tug under 50 meters with a tow over 200 meters.” Be prepared to dust off the flashcards for this one!
The next test is Navigation General, which covers compasses, nautical charts, Aids to Navigation, navigation electronics, tides, and currents. Many experienced boaters pick up this content fairly easily because it’s more relatable to our daily lives on the water.
The third test is Navigation Problems.
All of the forms and requirements for any level of credential can be found on the National Maritime Center’s website.
Many captain’s classes spend a disproportionate amount of time focused on this section, because it involves using dividers and parallel rulers to plot courses on traditional paper charts with a high degree of precision. This is well worth taking your time to practice.
The final test is Deck General, and for Master’s there’s also Deck Safety. Some of the content on these tests will be familiar to many boaters, like best practices for VHF radios, while others, like shipboard firefighting techniques, may be more alien.
Some captain’s schools will administer these tests to you in the final days of class and provide you with a certificate that you’ll submit to the Coast Guard. Some schools, however, don’t administer the exam itself; you’ll need to make an appointment at a Coast Guard testing facility to take it there.
Photo, Getty Images/JK1991
Although these aren’t official test questions, try your hand at these to see what kinds of questions are on a captain’s test!
A vessel flying day shapes configured vertically as ball, diamond, ball indicates that they are …
A. Anchored
B. Restricted in their ability to maneuver
C. Dredging
D. Not under command
A vessel displaying sidelights, stern light, and an all-around green light over an all-around white light is a …
A. Vessel under 50 meters engaged in trawling
B. Vessel over 50 meters engaged in trawling
C. Vessel under 50 meters with a tow under 200 meters
D. Vessel over 50 meters with a tow under 200 meters
An Aid to Navigation featuring red and black horizontal stripes indicates …
A. A slow zone
B. A range board
C. Safe water
D. An isolated danger
Which of the following would produce a Class B fire when burned?
A. Wood
B. Fiberglass
C. Cooking grease
D. Aluminum
Deviation in a compass can be caused by …
A. Geographic position
B. Heading
C. A nearby electrical current
D. Heel
ANSWERS: 1. B; 2. A; 3. D; 4. C; 5. C.
One benefit of holding a captain’s license is increased credibility, especially for women and people of color who’ve historically made up a smaller proportion of boaters pursuing high credentials. Unfortunately, not all of the Coast Guard’s credentialing and paperwork processes are fully equitable. For example, currently there’s no dedicated process to change a legal name on a Merchant Mariner Credential, which women more commonly need to do after a marriage or divorce.
According to the National Maritime Center, changing a legal name on an MMC requires resubmitting an original application with a detailed explanation of the change to be made in the description box and paying the original application fee again. Temporary documents are not issued in the interim, so mariners waiting for an updated credential must carry additional documents and hope they’re accepted or stop operating boats under the license until the updated credential is received. According to a 2021 study from the University of Washington, about 8% of credentialed mariners in the U.S. are now women. — K.B.B.
Published: September 2026
BoatU.S. Magazine Associate Editor
Following a childhood filled with varnish and Chesapeake Bay brine, at 20 Kelsey refit her own sailboat top to bottom, then skippered the 30-footer down the ICW. She’s been an instructor on boats up to 100 feet, has won several awards from Boating Writers International, judged the NMMA Innovation Awards, and holds her 25-ton Master’s license. Kelsey brings her on-water and environmental experience to the magazine’s news, personality, lifestyle, and product coverage. She and her husband sail a Jeanneau Sun Odyssey 45.2 in New England.