Bank of America
Norwegian Cruise Line® World Mastercard®
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | 20,000 bonus points |
| Rewards Rate | 1x-3x points |
| Intro APR | None |
| Regular APR | Standard APR 17.74% - 27.74% variable |
| Other Fees | Balance Transfer Fee 5% of each transaction |
| Network | Mastercard |
About this card
The Norwegian Cruise Line® World Mastercard® earns an overall rating of 2.6, placing it in the 'Fair' category. This card is highly specialized and its value is almost entirely dependent on the user's loyalty to Norwegian Cruise Line. Its primary strengths are the absence of an annual fee and foreign transaction fees, which are excellent benefits for a travel-focused card. Additionally, it offers a strong rewards rate of 3x points on NCL purchases and a decent sign-up bonus for NCL cruise credits.However, these positives are significantly undermined by several critical weaknesses. The APR rating of 2.0 reflects a high variable interest rate (17.74% - 27.74%) with no introductory APR offer, making it costly for anyone who carries a balance. The rewards program, while generous for NCL spending, is extremely inflexible; points are primarily redeemable for NCL cruises and reportedly expire, severely limiting its utility for general travel or everyday spending. The general earning rate of 1x on all other purchases is uncompetitive. The reputation analysis confirms this card is well-regarded within its niche but not as a general-purpose travel card. Consequently, while it serves a very specific audience well, its notable limitations in APR and rewards flexibility prevent it from achieving a higher overall rating for the broader consumer market.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
Things to consider
- No intro APR period
- High regular APR
- Limited rewards categories
- High balance transfer fee
What this card offers
Sign-up bonuses
- Online Offer: 20,000 bonus points
- Get 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening – which can be redeemed for $200 off your next Norwegian cruise
Rewards
- Earn 3 WorldPoints® points for every $1 spent on Norwegian purchases
- Earn 2 WorldPoints® points per $1 spent on eligible air and hotel purchases
- Earn 1 WorldPoints® point per $1 spent on all other purchases
Other features
- No annual fee and no foreign transaction fees
- Stay Protected
- Balance Connect® for overdraft protection
- Paperless Statement Option
- Digital Wallet Technology
- Online & Mobile Banking
- Account Alerts
Additional Notes
You can also call 800.932.2775 Priority code: QAF2H0

