Barclays
Carnival Rewards™ Mastercard®
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | 20,000 points |
| Rewards Rate | 1x-6x points |
| Intro APR | 0% Promotional APR for 6 billing cycles from the transaction date on all “Qualifying Carnival Cruise Booking Purchases.” 0% Introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening. |
| Regular APR | 18.74% to 29.74%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. After that (and for balance transfers that do not post to your account within 45 days of account opening) your APR will be 18.74% to 29.74%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. 29.99%. This APR will vary with the market based on the Prime Rate. |
| Other Fees | Balance transfer fee: 5% (min. $5). Cash advance fee: 5% (min. $10). Foreign transaction fee: 0%. The minimum monthly interest charge will be $1.00. |
| Network | Mastercard |
About this card
The Carnival Rewards™ Mastercard® earns an 'Excellent' overall rating of 4.1 out of 5.0, particularly for its intended audience of loyal Carnival cruisers. The card truly shines with an excellent Fees Rating (4.7/5.0) due to its $0 annual fee and no foreign transaction fees, providing exceptional value without recurring costs for its core use. Its Rewards Rating (4.4/5.0) is also outstanding, offering up to 6x points on Carnival purchases, a respectable 2x at restaurants and grocery stores, a generous sign-up bonus, and crucial elite status benefits within the Carnival program. These features make it a powerhouse for maximizing value within the Carnival ecosystem. The card's reputation and target audience fit are very strong; it delivers precisely what Carnival enthusiasts seek. However, the primary drawback is its 'Fair' APR Rating (2.5/5.0). While it offers appealing introductory APRs, the potential regular APR of up to 29.74% is notably high, making it a very expensive card if a balance is carried. For consumers who consistently pay their balance in full, this high APR is less impactful, but it remains a significant factor for overall competitiveness. Despite this weakness, the card's substantial benefits for its niche—especially the absence of an annual fee and foreign transaction fees, coupled with high rewards and loyalty perks—position it as a highly valuable tool for dedicated Carnival passengers.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Automatic elite status
Things to consider
- High regular APR
- High balance transfer fee
What this card offers
Sign-up bonuses
- Earn 20,000 points after spending $1,000 on purchases in the first 90 days.
Rewards
- Earn up to 6x points on Carnival purchases – that’s 3x for every dollar spent using your card at Carnival, plus up to 3x points through Carnival Rewards.
- Earn 2x points for every dollar spent at eligible restaurants and grocery stores (excluding Target and Walmart).
- Earn 1x points for every dollar spent on all other purchases.
Other features
- Redeem points for cruises, onboard activities, shore excursions, Carnival merchandise, and more.
- No foreign transaction fees on international purchases.
- Earn 1 Status Qualifying Star per dollar spent on purchases with your Carnival Rewards Mastercard. That’s in addition to any stars you earn through the Carnival Rewards Program.
- See if you pre-qualify with no impact to your credit score.
Additional Notes
Offer subject to credit approval. The Carnival Rewards Mastercard is issued by Barclays Bank Delaware pursuant to a license from Mastercard International Incorporated.