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 | Introductory APR None |
| Regular APR | Standard APR 17.49% - 27.49% variable |
| Other Fees | Balance Transfer Fee 5% of each transaction No foreign transaction fees |
| Network | Mastercard |
About this card
The Norwegian Cruise Line® World Mastercard® is a niche card best suited for loyal Norwegian Cruise Line customers. Its strengths lie in the absence of an annual fee and foreign transaction fees, coupled with a decent rewards rate on NCL purchases. However, its high APR, limited redemption options, and lack of premium travel benefits significantly detract from its overall value. The reputation analysis confirms this card is viewed favorably within its target audience but falls short compared to general travel rewards cards. While the fees are reasonable, the rewards program's inflexibility and the high APR weigh heavily on the overall rating. Therefore, a rating of 2.6 reflects its limited appeal and considerable drawbacks.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- High rewards rate on specific travel categories
- No foreign transaction fees
- Flexible redemption options for rewards
Things to consider
- High regular APR
- Specialized rewards categories
- High balance transfer fee
What this card offers
Sign-up bonuses
- Online Offer: 20,000 bonus points
- That’s enough for a $200 onboard credit or $200 off your next Norwegian cruise
- 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 a $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 foreign transaction fees
- You choose the rewards that matter most to you Redeem points for stateroom upgrades, travel discounts, exclusive redemption opportunities for last minute cruises, onboard credits, car rentals, hotel stays, cash and gift cards.
- Achieve more with BofA Rewards Enrich your experience as a Bank of America customer with the BofA Rewards program—starting with a rewards bonus on every credit card purchase.
- Start redeeming your points at 2,500 points
- Stay Protected We block potential fraud if abnormal patterns are detected and let you know if we suspect fraudulent activity. Plus, you always get a $0 Liability Guarantee for fraudulent transactions.
- Balance Connect® for overdraft protection An optional service to help prevent declined purchases, returned checks or other overdrafts when you link your eligible Bank of America® checking account to your credit card. No transfer fees. Other fees may apply.
- Paperless Statement Option Opt for paperless credit card statements and increase account security while reducing paper consumption.
- Digital Wallet Technology Discover more ways to pay by adding your Bank of America® credit card to your mobile device then shop in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay.
- Online & Mobile Banking Access to our award-winning Online and Mobile Banking. Bank on the go from almost anywhere quickly and securely. Pay your credit card bill online, transfer funds, check available credit and more.
- Account Alerts Stay on top of your balances and due dates. Choose from several types of customer email or text alerts and let your phone tell you when payments are due and paid.
Additional Notes
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now. Note: minimum payments are applied to lower-interest balances first. Additional payments are applied to higher-interest balances first.