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Carnival® World Mastercard® review

Redeem points at a higher rate to get the most out of your rewards.

  • Get this card if you consistently make purchases of $1,500 or more with Carnival.
  • Pick something else if you’re looking for general travel rewards.
  • Apply with a good to excellent credit score of 670 to 850.
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Welcome offer

Up to 2x



Annual fee


Intro purchase APR

for the first 6 months (then 17.24%, 23.24%, or 27.24% variable)


Annual fee$0
Welcome offerEarn $250 off your next cruise purchase after spending $500 in the first 90 days
Rewards2x points on Carnival Cruise Line and 1x points on all other purchases
Purchase APR0% intro for the first 6 months (then 17.24%, 23.24%, or 27.24% variable)
Balance transfer APR0% intro for the first 15 months (then 17.24%, 23.24%, or 27.24% variable)
Minimum Credit Score670

Review by

Kevin Joey Chen was a credit cards, banking and investments writer for Finder. His work and analysis have appeared on CNN, U.S. News & World Report,, Lifehacker and

Expert review

After you earn points with the Carnival® World Mastercard® redeem them for a variety of rewards.

The highest-value redemption option is its statement credit for a Carnival Cruise Line purchase that costs between $1,500 and $5,000. Your points will be worth a higher redemption value, which puts it above the competition.

If you don’t think you’ll make Carnival purchases over $1,500, strongly consider another card. You can probably earn more rewards with a no-annual-fee cashback or travel product.

How to apply for the Carnival® World Mastercard®

The perks

  • Annual fee: None. If you’re approved for this card, you won’t pay a fee to start using it. You can start earning rewards at no cost.
  • Signup bonus: bonus points after your first purchase or balance transfer. According to the provider’s site at the time of writing, these points are enough for a $200 statement credit toward a cruise purchase with Carnival or World’s Leading Cruise Lines brands.

    You can also redeem your points for hotel stays, airfare, merchandise, cruise amenities, gift cards and certificates.

  • Rewards: Earn FunPoints on every purchase. Earn 2x FunPoints on eligible purchases from Carnival Cruise Line and the World’s Leading Cruise Lines brands.

    Earn 1x FunPoints on all other purchases.

  • Intro APR: 0% for 15 months after each balance transfer that posts to your account within the first 45 days of card membership. 0% purchase intro APR, this is a strong intro-APR period for purchases. 0%-interest promotions in 6 months.

You’ll also like …

  • 10% discount on eligible shore excursion packages. If you buy a Carnival shore excursion on the company’s website before your cruise, you’ll receive a 10% discount in statement credit. You’ll see it posted to your account within two business days.
  • No foreign transaction fees. This makes the card a great choice to take on all of your cruises. When you use your card abroad or at a foreign website, you won’t incur a fee.
  • Concierge service. Call the Barclays concierge service for recommendations on where to travel and what to do. It can also help if you need reservations for travel, entertainment, dining and more.

What to watch out for

  • Few elevated-rewards categories. You’ll earn elevated rewards only on purchases with Carnival Cruise Line and World’s Leading Cruise Lines brands. If you don’t spend much with them, consider another card that offers more lucrative rewards.
  • Time limit for balance transfer promotion. To receive the intro APR on balance transfers, your transfers must post within the first 45 days. If they post after that time, they’ll accrue interest at a 17.24%, 23.24%, or 27.24% variable APR.

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60,000 points after spending $4,000 in the first 3 months
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Chase Freedom Unlimited®
Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back
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How does a balance transfer work with this card?

  1. Apply for the card. You can request a balance transfer when you apply for the card from $100 to $20,000. Just include the credit card number of your existing balance and how much you want to transfer.

    For each balance transfer, you’ll pay a fee of $5 or 5% of the transaction amount, whichever is greater.

    If you don’t want to make a transfer when you apply, you can request one later.

  2. Keep track of your balance transfer time limits. Barclays offers 0% intro APR on balance transfers for 15 months, but only for transfers that post to your account within the first 45 days.

    If your transfer posts to your account after that time, it’ll accrue interest immediately at a 17.24%, 23.24%, or 27.24% variable APR.

    Barclays transfers usually post within five business days. This is a general estimate, however, and transfers can sometimes take up to a few weeks. So it’s best to make your transfers as early as possible if you want an intro APR.

  3. Create a plan for paying off your balance transfer. If you haven’t paid off your balance transfer by the time your intro APR expires, it’ll accrue interest at the ongoing APR.

    To avoid this, try to pay off your balance transfer steadily over your intro-APR period.

What is balance transfer intro APR?

What should I know before I apply?

To apply for the Carnival® World Mastercard®, you must be at least 18 years old and a US resident. Residents of Puerto Rico and US territories are not eligible.

Information you’ll need

  • Full name and contact information.
  • Permanent address, time at permanent address and residential status.
  • Annual income and employment information.
  • Social Security number, date of birth and mother’s maiden name.

Carnival® World Mastercard® reviews and complaints

Barclays Bank currently has an A+ rating from the Better Business Bureau (BBB). It has over 1,100 customer complaints on its profile. According to the BBB, most of these complaints have been answered or resolved.

One of the biggest complaints from reviewers is with customer service. You may want to set aside extra time when calling in to account for long hold times.

How to apply for the Carnival® World Mastercard®

I got the card. Now what?

  • Make timely payments. Pay your bill online at the Barclaycard website, where you can also enroll in autopay.
  • Avoid interest. After the close of each billing cycle, you have a grace period of 23 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoid fees. Late and returned payments come with hefty fees up to $40. Balance transfers and cash advances also come with fees.
  • Customer service. If you have questions, contact Barclays US customer service at 866-928-8598.

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Bottom line

At first glance, the rewards strategy with this card seems clear: Spend as much as you can with Carnival or World’s Leading Cruise Lines brands. The truth is, that might not earn you more rewards than you’d get with another top travel card.

The key to making the Carnival® World Mastercard® shine is consistently redeeming points for statement credit at a 1.5% rate. You can do that by making Carnival purchases between $1,500 and $5,000.

If you don’t think you’ll spend that much, consider other travel cards. You’ll find plenty of great options to choose from.

Frequently asked questions

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