Barclays
Carnival® World Mastercard®
Key Features
| Annual Fee | $0.00 |
| Intro APR | 0% Promotional APR for 6 billing cycles from the transaction date on all “Qualifying Carnival Cruise Booking Purchases.” After that, your APR for your “Qualifying Carnival Cruise Purchase” will be 18.49% to 29.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. 0% Introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that (and for balance transfers that do not post to your account within 45 days of account opening) your APR will be 18.49% to 29.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. |
| Regular APR | Purchases – 18.49% to 29.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. After that, your APR for your “Qualifying Carnival Cruise Purchase” will be 18.49% to 29.49%, 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 18.49% to 29.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. APR for cash advances 29.74% variable |
| Other Fees | Balance transfer – Either $5 or 5% of the amount of each transfer, whichever is greater. The minimum monthly interest charge will be $.50. Balance transfer fee: 5% (min. $5). Cash advance fee: 5% (min. $10). Foreign transaction fee: 0%. |
| Network | Mastercard |
About this card
The Carnival World Mastercard is a niche card best suited for frequent Carnival cruise takers. Its strengths lie in the absence of an annual fee, a decent sign-up bonus, and the ability to earn double points on Carnival purchases, dining and groceries. The 0% intro APR on cruise purchases and balance transfers offers some short-term financial flexibility. However, the high regular APR (18.49% to 29.49%) is a significant drawback, especially if balances are carried. The rewards program is heavily skewed towards Carnival-related redemptions, limiting its appeal as a general-purpose rewards card. User reviews echo expert opinions, viewing it as a card primarily for the sign-up bonus and promotional financing, not for everyday use. Given its limited rewards value and high APR, the card is only fair for its target audience. Therefore, its overall rating is 2.6 out of 5.0.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- Intro APR period
- No foreign transaction fees
- Bonus rewards on Carnival purchases
- Bonus rewards on dining and groceries
Things to consider
- High regular APR
- High balance transfer fee
- Limited rewards categories
What this card offers
Sign-up bonuses
- Earn 20,000 Fun Points® after spending $1,000 in the first 90 days. That’s enough to redeem for $200 onboard credit.
Rewards
- Earn 2X Fun Points® for every dollar spent on purchases with Carnival Cruise Line.
- Earn 1X Fun Points® for every dollar spent on all other purchases.
Other features
- Redeem Fun Points® toward Carnival purchases, onboard credit, experiences, and more!
- No foreign transaction fees on international purchases.
- Earn Carnival Rewards Status Faster with your Card Your card will earn you 1 Status Qualifying Star for every dollar spent.
- Earn on Restaurants and Grocery Earn 2X Carnival Rewards Points for every dollar spent at eligible restaurants and grocery stores (excluding Target and Walmart).
- Earn up to 6X Carnival Rewards Points on your Carnival Purchases That’s 3X points for every dollar spent using your card, plus the 3X points you earn through Carnival Rewards.
- Updated Redemption Options Use your Carnival Rewards Points towards your cruise, onboard credits, experiences, and more!
Additional Notes
The Carnival World Mastercard is issued by Barclays Bank Delaware pursuant to a license from Mastercard International Incorporated.