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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

13.99%, 19.99% or 23.99%

Purchase APR (variable)


Annual fee$0
Welcome offerpoints after first purchase or balance transfer
Rewards2x points on Carnival Cruise Line and 1x points on all other purchases
Purchase APR13.99%, 19.99% or 23.99% variable
Balance transfer APR0% intro for the first 15 billing cycles (then 13.99%, 19.99% or 23.99% variable)
Minimum Credit Score670

Review by

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report,, Lifehacker and He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

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®

Is the card worth getting?

Check out two scenarios: One where you spend modestly on cruises and one where you spend considerably on cruises.

$20,000 a year in everyday spending, $2,000 a year in cruises

Take a look at the Carnival® World Mastercard® column in the following table. If you redeem your rewards at a 1% rate, it doesn’t touch the competition. Redeem at a 1.5% rate and the card pulls ahead.

Carnival® World Mastercard®Bank of America® Travel Rewards Credit CardCapital One Venture Rewards Credit Card
Rewards from everyday spending20,00033,00044,000
Elevated rewards4,00000
Total rewards24,00033,00044,000
Value of rewards$240, $360 at 1.5% redemption rate$330$440
Ongoing annual fee$0$0$95 from second year
Total value of rewards$240, $360 at 1.5% redemption rate$330$345
$12,000 a year in everyday spending, $8,000 a year in cruises

If you’re an avid cruiser, you’ll like the Carnival® World Mastercard® even more. Of course, you’ll want to continue getting a 1.5% redemption rate for your points.

Carnival® World Mastercard®Bank of America® Travel Rewards Credit CardCapital One Venture Rewards Credit Card
Rewards from everyday spending12,00030,00040,000
Elevated rewards16,00000
Total rewards28,00030,00040,000
Value of rewards$280, $420 at 1.5% redemption rate$300$400
Ongoing annual fee$0$0$95 from second year
Total value of rewards$280, $420 at 1.5% redemption rate$300$305

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 billing cycles after each balance transfer that posts to your account within the first 45 days of card membership. While it lacks a purchase intro APR, this is a strong intro-APR period for balance transfers. Zero-percent-interest promotions usually top out at around 20 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 13.99%, 19.99% or 23.99% variable APR.

Compare credit cards with cruise benefits

Name Product Welcome Offer Rewards Annual fee Filter values
American Express® Gold Card
60,000 points after spending $4,000 in the first 6 months
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on other eligible purchases

Rose Gold is Back

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
The Platinum Card® from American Express
100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined eligible purchases in the same timeframe
10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other eligible purchases

New Platinum Exclusive Offer

One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
Luxury Card Mastercard® Titanium Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.

Compare up to 4 providers

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 3% 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 billing cycles, 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 13.99%, 19.99% or 23.99% 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 $37. Balance transfers and cash advances also come with fees.
  • Customer service. If you have questions, contact Barclays US customer service at 866-928-8598.

Holland America Line Rewards Visa® Card review

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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