Norwegian Cruise Line World Mastercard review | finder.com

Norwegian Cruise Line® World Mastercard® review – January 2019

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Norwegian Cruise Line® World Mastercard®

Make the most of your next Norwegian cruise with 10,000 bonus signup points and no annual fee.

30-second take

  • Get this card if… you cruise with Norwegian Cruise Line frequently.
  • Good to excellent credit score of 670 to 850 recommended.

The Norwegian Cruise Line® World Mastercard® from Bank of America is built for those who enjoy exploring the world by sea. Norwegian travels all over the world to Alaska, Europe and even Australia.

Product NameNorwegian Cruise Line® World Mastercard®
Card TypeMastercard
Annual Fee$0
APR (Annual Percentage Rate) for Purchases16.99% to 24.99% variable
Introductory Purchase APR

N/A

Balance Transfer APR16.99% to 24.99% variable
Introductory Balance Transfer APR

N/A

Balance Transfer Fee$10 or 3% of the transaction, whichever is greater
Cash Advance Rate19.99% to 26.99% variable
Foreign Transaction FeeNone
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 25 days
Late Payment FeeUp to $38
Returned Payment FeeUp to $27
Additional Cardholder Fee$0
Minimum Age18 years of age
Welcome OfferGet 10,000 bonus WorldPoints® reward points after you make a transaction in the first 90 days - enough for $100 off your next cruise
Reward Value per Dollar1x points
Rewards Points ExpirationNever

The basics

The Norwegian Cruise Line® World Mastercard® comes with a 10,000-point signup bonus after your first purchase of any amount in the first 90 days — that’s enough for $100 off your next cruise. You’ll earn 3x points for any purchases with Norwegian on your card and 1x points for all other purchases. Redeem points for stateroom upgrades and onboard credit, travel discounts and car rentals or hotel stays. Better yet, points are good for five years after earning them.

No annual fee sweetens the deal for new and veteran cruisers, but watch out for a 0% foreign transaction fee when using this card outside the US.

Our pick for travel: Barclaycard Arrival® Plus World Elite Mastercard®

  • Limited Time Offer: Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Earn unlimited 2x miles on every purchase
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
  • Miles don’t expire as long as your account is open, active and in good standing
Read less
Read more
Promoted

The perks

  • Signup bonus.

    You’ll earn signup bonus of 10,000 points with any purchase in the first 90 days of your account opening.

  • Earn points.

    Get 3x points on Norwegian Cruise Line purchases and 1x points on all other purchases.

  • Redeem points.

    Use your points for cruise accommodations, onboard experiences, stateroom upgrades and activities on your cruise. Or redeem for cash back, airline travel, car rentals and hotel stays.

You’ll also like …

  • $0 annual fee

    You won’t pay a fee to carry this card.

  • Preferred rewards.

    The more you spend, the better your benefits. For example, spend more than $20,000 and get 25% bonus points on every purchase; spend over $50,000, to get 50% bonus points.

  • Security and protection.

    This chip-enabled card comes with a $0 liability guarantee for fraudulent transactions.

What to watch out for

  • 0% on foreign transactions.

    Use this card outside the US and pay a fee equal to 0% of each transaction in US dollars.

  • Stiff penalties.

    You’ll pay $38 for late payments and $27 for returned payments, not to mention a penalty APR of up to 29.99% variable, which could stick around for awhile.

Consider other cards if …

  • You don’t cruise Norwegian.

    If you aren’t planning a cruise anytime soon, you’re better off exploring other rewards cards.

  • You want an intro APR.

    If you want a card with an intro APR offer on purchases or balance transfers, this card may not be for you.

Compare travel credit 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 to know before you apply

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

  • At least 18 years old.
  • A US citizen or permanent resident.

What credit score do I need?

A good to excellent credit score of 670 or higher will increase the chances of your application’s approval.

How to apply for the card

  1. On the Norwegian Cruise Line® World Mastercard® website, click Apply Now.
  2. Provide the required personal and financial information. Click Review your information.
  3. Confirm that your information is correct and submit your application.

How long will it take to be approved?

Bank of America uses an automated online conditional approval system, so you’ll typically learn your application’s status almost immediately.

I got the card. Now what?

  • Turn to online banking. Use Bank of America’s online banking platform to pay your statement and check your available credit 24/7.
  • Avoid unnecessary interest. Bank of America gives you 25 grace days after each billing cycle to pay for your purchases with no interest.
  • Avoid fees. Late and returned payments come with stiff penalties of up to $38. Balance transfers come with fees as well.
  • Customer service. Speak to a customer service representative at 800-732-9194 or get online assistance via Ask Jenn. You can also connect with BofA on Twitter @BofA_Help or Facebook @BankofAmerica.

Bottom line

If you’re planning a trip with Norwegian Cruise Line, you could benefit from this card. With $0 annual fee and opportunities to earn points, it’s good for those who don’t want to spend a lot on a credit card. However, your points are best spent on the cruise line.

If you want a card with other travel options and rewards, check out a few other options that might work for you.

Common questions about Norwegian Cruise Line® World Mastercard®

Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site