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Norwegian Cruise Line® World Mastercard® review

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This card offers great rewards on Norwegian Cruise Line spending.

  • Get this card if you spend a lot with Norwegian Cruise Lines.
  • Pick something else if you’re an occasional cruiser.
  • Apply if you have a good to an excellent credit score of 670 and above.


Points as welcome offer

Up to 3x



Annual fee

16.74% to 24.74%

Purchase APR (variable)


Product NameNorwegian Cruise Line® World Mastercard®
Card typeMastercard
Annual fee$0
Purchase APR16.74% to 24.74% variable
Balance transfer APR16.74% to 24.74% variable
Balance transfer fee$10 or 3% of the transaction, whichever is greater
Cash advance rate19.74% to 26.74% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Penalty APR29.99% variable
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $39
Returned payment feeUp to $28
Additional cardholder fee$0

The basics

The Norwegian Cruise Line® World Mastercard® is best for avid Norwegian Cruise Line customers as it offers attractive bonus rewards for the brand.

If you don’t use this cruise line, you’ll get more out of another travel credit card with more general rewards. There are many excellent no-annual-fee options that offer solid rewards on everyday spending.

Another card for your vacation

Chase Sapphire Preferred® Card

  • Spend $4,000 within your first 3 months of card membership to earn 60,000 bonus points — worth $750 when redeemed for travel via Chase Ultimate Rewards.
  • Earn 2x points on travel and dining at restaurants worldwide and 1x point on all other purchases.
  • Get 25% more redemption value for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards.
  • Flexible points redemption and 1:1 transfers to travel loyalty programs
Read less
Read more

The perks

  • Annual fee: None.
    Many of Bank of America’s cards have annual fees, so this card can be a good alternative.
  • Signup bonus: 10,000 WorldPoints.
    Make one eligible purchase within the first 90 days of opening your account to earn this bonus.Redemptions start at 2,500 points. You can redeem points for travel, cashback, cruises, cruise discounts, Norwegian onboard credits, gift cards and more. You’ll occasionally receive special offers for last-minute cruises and other deals.If you redeem the bonus for higher-value options, such as flights and travel statement credit, it’s worth $100 according to our valuation. Other options, such as gift cards, might give you a lower value.
  • Rewards: Up to 3x WorldPoints.
    Earn 3x points on Norwegian purchases. This will give you a strong 3% rewards rate as long as you use points for redemptions such as travel and statement credit. Earn 1x points on all other purchases.

You’ll also like …

  • More points for Bank of America Preferred Rewards members.
    Earn 25% to 75% more points depending on your member tier in Preferred Rewards.Gold members earn 25% more points; Platinum members earn 50% more points; and Platinum Honors members earn 75% more points.To qualify for Preferred Rewards, you’ll need three-month average combined balances of at least $20,000 across eligible Bank of America banking accounts and Merrill Lynch and Merrill Edge investment accounts.

What to watch out for

  • Penalty APR.
    Bank of America may apply a 29.99% variable penalty APR to all of your balances if you make a late payment.

Compare credit cards with cruise benefits

Name Product Welcome offer Rewards Annual fee Filter values
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
35,000 points after spending $2,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months. Rates & fees
60,000 points after spending $5,000 in your first 3 months
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees
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.
1x points on all purchases with 2% point value when you redeem for airfare or cash back
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.

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What should I know before I apply?

To apply for the Norwegian Cruise Line® World Mastercard®, you must:

  • Be at least 18 years old (21 if you’re a permanent resident of Puerto Rico).
  • Have a valid Social Security number or taxpayer identification number.

Required information

  • Full name
  • Residential address
  • Primary phone number and email address
  • Citizenship status and country of birth
  • Date of birth and Social Security number
  • Employment status, total annual income, source of income and monthly housing payment

What credit score do I need?

You’ll typically have better chances of approval if you apply with a good to an excellent credit score of 670 and above.

What do customers say about the Norwegian Cruise Line® World Mastercard®?

Many customers like that it’s easy to qualify for the card’s signup bonus.

Bank of America, the issuing bank of this card, is accredited by the Better Business Bureau (BBB). Though it has an average rating around one out of five stars, it has an A+ rating.

As of this writing, the bank has nearly 6,000 customer complaints on its profile.

How to apply for the Norwegian Cruise Line® World Mastercard®

  1. Navigate to the Norwegian Cruise Line® World Mastercard® website and click Apply Now.
  2. Complete the application with details like your name, address, contact information and financial information.
  3. Review your information and submit your application.

I got the card. Now what?

  • Qualify for the signup bonus. Make one purchase within the first 90 days to receive the 10,000 WorldPoints signup bonus.
  • Register your card on the Bank of America website. Getting an online account is a convenient way to check your balance and pay your bill. You can also enroll in automatic payments, which will help you avoid late fees and drops in your credit score.
  • Watch out for late payments. One late payment can saddle you with a penalty APR of 29.99% variable on all of your balances.
  • Browse the WorldPoints website. Log in to the WorldPoints website with your Bank of America credentials to decide how you’d like to redeem your points.
  • Contact customer service. If you have issues with your card, call Bank of America customer service at 800-732-9194. You can also contact the bank via Twitter @BofA_Help or via Facebook @BankofAmerica.

How do I redeem miles from the Norwegian Cruise Line® World Mastercard®?

Log in to the Bank of America WorldPoints website with your BofA credentials.

Eligible redemptions include:

  • Travel.
  • Statement credit.
  • Cash back.
  • Cruises.
  • Cruise discounts.
  • Norwegian onboard credits.
  • Gift cards.

Bottom line

This card offers attractive rewards on Norwegian Cruise Line spending. That makes it a better choice for avid cruisers.

If you cruise only occasionally, consider a general travel credit card. You’re likely to earn stronger rewards.

Frequently asked questions

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