Carnival World Mastercard review | finder.com

Review: Carnival® World Mastercard® – January 2019

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Carnival® World Mastercard®

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 670 to 850.
Product NameCarnival® World Mastercard®
Card TypeMastercard
Annual Feeannual fee for the first year ($0 thereafter)
APR (Annual Percentage Rate) for Purchases16.24%, 21.24% or 26.24% variable
Introductory Purchase APR

N/A

Introductory Balance Transfer APR 0% for the first first 15 billing cycles (then 16.24%, 21.24% or 26.24% variable)
Balance Transfer Fee$5 or 3% of the transaction, whichever is greater
Cash Advance Rate27.49% variable
Foreign Transaction FeeNone
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 23 days
Late Payment FeeUp to $37
Returned Payment FeeUp to $37
Additional Cardholder Fee$0
Minimum Age18 years of age
Welcome OfferEarn 10,000 bonus Funpoints after you use your card for the first time. That's enough to redeem for a credit of up to $100 toward your next cruise purchase on Carnival.
Reward Value per Dollar1x points
Rewards Points ExpirationNever

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.

Another travel rewards card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2x points on travel and dining at restaurants worldwide and 1 point per dollar spent on all other purchases
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
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Get more points for Carnival purchases

You’ll receive 2x points on all Carnival purchases and 1x 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)
$1,0002,000$201%
$2,5005,000$751.5%

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 2x 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 World Elite Mastercard® which has an $89 annual fee after the first year. 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.
Compare Bank of America® Travel Rewards credit card vs. Barclaycard Arrival® Plus World Elite Mastercard®

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 1x points on everything you buy. On Carnival Cruise Line purchases, you’ll earn 2x 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 16.24%, 21.24% or 26.24% variable .
  • Higher APR for cash advances. Cash advances come with a 27.49% 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.

Compare travel rewards cards

Name Product Welcome Offer Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
1x points
17.99% to 24.99% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Earn 50,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening - that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
1x points
17.99% to 24.99% variable
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
30,000 bonus miles after spending $1,000 in purchases on your new card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
1x miles
17.99% to 26.99% variable
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new card to make $1,000 in eligible purchases within the first 3 months of card membership.
3x points
17.99% to 26.99% variable
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
1x points
See Rates & Fees
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees

Compare up to 4 providers

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.

What credit score do I need?

You’ll have a better chance of approval for the Carnival® World Mastercard® if you apply with a good to excellent credit score of 670 or higher.

How to apply for the Carnival® World Mastercard®

  1. Go to the Barclaycard Carnival® World Mastercard® site and click Apply now.
  2. Complete the application with details like your name, contact information, employment information and Social Security number.
  3. Review your information. Then click Apply to submit your application.

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.

If you’re approved, look for your card in the mail within 7 to 10 business days.

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 Barclays US customer service at 866-928-8598.

Holland America Line Rewards Visa® Card review

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, compare credit cards that reward all of your spending.

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