Is the Carnival World Mastercard worth it? | July 2018

Review: Carnival® World Mastercard® – July 2018

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A great pick for frequent Carnival guests. Modest spenders may want to look elsewhere.

  • Get this card if… you’re a frequent Carnival cruiser.
  • Pick something else if…you don’t travel with Carnival often or you’re not a big spender.
  • Recommended good to excellent credit score of 680 to 850.
Product NameCarnival® World Mastercard®
Card TypeMastercard
Annual Fee$0
APR (Annual Percentage Rate) for Purchases15.74%, 20.74% or 25.74% variable
Introductory Balance Transfer APR 0% for the first first fifteen billing cycles (then 15.74%, 20.74% or 25.74% variable)
Balance Transfer Fee3% or $5 (whichever is greater)
Cash Advance Rate26.99% variable
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Foreign Transaction FeeNone
Interest Free PeriodUp to 23 days
Minimum Interest$0.5
Late Payment Fee$37
Returned Payment Fee$37
Additional Cardholder Fee$0
Minimum Age18 years of age
Welcome BonusEarn 10,000 points after your first purchase
Reward Value per Dollar1 points
Rewards Points ExpiryNever

The basics

Barclaycard’s cruise-inspired credit cards generally follow a simple roadmap: few perks to speak of, but no annual fee and lots of points. The Carnival® World Mastercard® fits that trend.

The signup bonus is a quick reward: You’ll earn it after your first purchase. It’s good for 10,000 FunPoints, worth $100 in statement credit for trips with Carnival and other cruise lines.

Get more points for Carnival purchases

You’ll receive 1x points on all Carnival purchases and 2x points on everything else. Redeem them for Carnival statement credit, discounts, onboard amenities, gift cards and merchandise. Through Barclaycard’s Loyalty Edge, you can also redeem them for airfare, hotels and car rentals.

The more you spend with Carnival, the more statement credits your points are worth. Check out this table to see how far your points can go.

Amount spent with Carnival within the past 180 daysYour points are worth…
$50 to $1,499.991%
$1,500 and more1.5%

Since your points can command a value up to 1.5%, you’ll enjoy a satisfying circle of rewards if you’re a Carnival regular. Not only will you earn accelerated points on Carnival cruises, you’ll also redeem those points for more statement credits.

Amount spent with CarnivalPoints receivedStatement credit valueStatement credit value (percentage)

Is the card worth getting?

Ultimately, this may come down to how much you spend with Carnival. One of the card’s biggest benefits is its 1x points for Carnival spending. If you’re a regular cruiser, you’ll quickly accumulate points to use for future trips. If you don’t travel with Carnival often, you may be better off with a general rewards card like the Bank of America® Travel Rewards credit card.

Carnival® World Mastercard® vs. other cards

Another consideration is how much you spend yearly. If you’re a modest spender, the Carnival card holds up well against annual-fee travel cards like the Barclaycard Arrival Plus. You may, however, get more out of a no-annual-fee card like the Bank of America® Travel Rewards credit card.

$4,000 in everyday spending
Carnival® World Mastercard®Barclaycard Arrival Plus® World Elite Mastercard®Bank of America® Travel Rewards credit card
Rewards4,000 points ($40 value)8,000 miles ($80 value)6,000 points ($60 value)
Annual fee$0$89$0
Total value$40-$9$60
$5,000 in everyday spending; $1,500 in Carnival spending
Carnival® World Mastercard®Barclaycard Arrival Plus® World Elite Mastercard®Bank of America® Travel Rewards credit card
Rewards5,000 points from everyday spending; 3,000 points from Carnival spending (8,000 total; $80 value)13,000 miles from all spending ($130 value)9,750 points from all spending ($97.50 value)
Annual fee$0$89$0
Total value$80$41$97.50
$10,000 in everyday spending; $5,000 in Carnival spending
Barclaycard Arrival Plus® World Elite Mastercard®Barclaycard Arrival Plus® World Elite Mastercard®Bank of America® Travel Rewards credit card
Rewards10,000 points from everyday spending; 10,000 points from Carnival spending (20,000 total; $200 value)30,000 miles from all spending ($300 value)22,500 points from all spending ($225 value)
Annual fee$0$89$0
Total value$200$211$225

You’ll find that BankAmericard rewards are worth more and doesn’t charge an annual fee, offering more value.

The perks

  • Signup bonus: 10,000 FunPoints. When you make your first purchase, you’ll earn 10,000 FunPoints. That’s enough for a $100 statement credit toward a cruise, flight, hotel or car rental.Eligible cruise lines include Carnival, Costa Cruises, Cunard Line, Holland America Line, Princess Cruises, The Yachts of Seabourn, P&O Cruises, P&O Cruises Australia, Ibero and Aida. You can also redeem your points for merchandise, gift cards and certificates and cruise gifts and amenities.
  • POINTS: Earn FunPoints on all purchases, and more on Carnival purchases. You’ll earn 2x points on everything you buy. On Carnival Cruise Line purchases, you’ll earn 1x points.
  • No annual fee.

You’ll also like …

  • No foreign transaction fees. Use your card internationally without incurring fees.

What to watch out for

  • Potentially high APR. Depending on your credit, you could have a purchase and balance transfer APR as high as 15.74%, 20.74% or 25.74% variable .
  • Higher APR for cash advances. Cash advances come with a 26.99% variable APR.
  • Other fees. The card has balance transfer and cash advance fees.
  • Penalty fees. Late and returned payments can hurt: You’ll pay up to $37.

What should I know before I apply?

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

Always consider your options and your financial situation before you apply for a credit card.

Information you’ll need

  • Full name and contact information
  • Residential status
  • Annual income and employment information
  • Social Security number, date of birth and mother’s maiden name

What credit score do I need?

You’ll have a better chance of approval for the Barclaycard Arrival Plus® World Elite Mastercard® if you apply with a good to excellent credit score of 680 or higher.

How to apply for the Barclaycard Arrival Plus® World Elite Mastercard®

1. Go to the Barclaycard Barclaycard Arrival Plus® World Elite Mastercard® site and click Apply Now.

Carnival World Mastercard step 1

2. Complete the application with details like your name, contact information, employment information and Social Security number. Then click Apply to submit your application.

Carnival World Mastercard step 2

How long will it take to be approved?

Typically, you’ll receive an immediate decision on your application. In rare cases, you may need to wait a few days to a few weeks until Barclaycard manually approves your application.

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 of up to $37. Balance transfers and cash advances also come with fees.
  • Customer service. If you have questions, contact Barclaycard customer service at 866-928-8598.

Bottom line

This card doesn’t offer many perks, but it’s the right fit for the Carnival regular. With 1x points on Carnival purchases and a statement credit boost for more Carnival spending, you’ll like it if you spend a lot of time on the seas. If you’re an infrequent cruiser, consider a jack-of-all-trades card like the BankAmericard Travel Rewards.

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