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 17.49% - 27.49% variable |
| Other Fees | Balance Transfer Fee 5% of each transaction |
| 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
- Generous sign-up bonus
- No annual fee
- No foreign transaction fees
- Rewards on purchases
Things to consider
- High regular APR
- Limited rewards categories
- High balance transfer fee
- Requires good or excellent credit
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 annual fee and 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.
- Start redeeming your points at 2,500 points
- Stay Protected
- Balance Connect® for overdraft protection
- Paperless Statement Option
- Digital Wallet Technology
- Online & Mobile Banking
- Account Alerts
Additional Notes
Note: minimum payments are applied to lower-interest balances first. Additional payments are applied to higher-interest balances first.