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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

16.49% to 24.49%

Purchase APR (variable)


Product NameNorwegian Cruise Line® World Mastercard®
Card typeMastercard
Annual fee$0
Purchase APR16.49% to 24.49% variable
Balance transfer APR16.49% to 24.49% variable
Balance transfer fee$10 or 3% of the transaction, whichever is greater
Cash advance rate19.49% to 26.49% 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

Expert review

Kevin Joey Chen

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 and expertly navigate the cutting-edge financial tools available -- including credit cards, apps and budgeting software.

Expert review

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.

Our pick for vacation flights

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

  • Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
  • Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card
  • No Foreign Transaction Fees
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
  • Enjoy preferred boarding on American Airlines flights
  • The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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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
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months
Luxury Card Mastercard® Black Card™
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.
Luxury Card Mastercard® Gold Card™
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.
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

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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