Norwegian Cruise Line World MasterCard review

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Advertiser Disclosure

Interest Rate: Purchases
17.24% ‐ 25.24%
Balance Transfer
17.24% ‐ 25.24%
Rewards
1 - 3 points
Signup Bonus
-


6.6/10
Informr score
The Norwegian Cruise Line World MasterCard currently has an Informr score of 6.6 out of 10. This score is based on our evaluation of 3 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Norwegian Cruise Line World MasterCard is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Finder

If you’re planning a trip with Norwegian Cruise Line, you could benefit from this card. With no annual fee and opportunities to earn points, it’s good for those who don’t want to spend a lot on a credit card. However, your points are best spent on the cruise line.

- Finder
RewardExpert

Unfortunately, you’ll need to be a frequent cruiser on Norwegian to gain any ongoing benefit. If you’re not, you should consider a travel credit card with a larger sign-up bonus, similar earning and more flexible redemption options.

- Christine Krzyszton, RewardExpert
ValuePenguin

If you’re looking for a credit card to use on the high seas, and accompany you on your travels, we recommend choosing another travel rewards credit card. The lack of features on the Norwegian Cruise Line Credit Card, accompanied by the low rewards rate, makes it an unappealing choice for most consum...

- Robert Harrow, ValuePenguin

Details


Interest Rates
Regular APR Interest Rate 17.24% ‐ 25.24%

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 17.24% ‐ 25.24%

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 20.24% ‐ 27.24%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $10

Cash Advance Fee 3%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $38.00

Maximum

Promotions
Sign up bonus

Get 10,000 bonus WorldPoints reward points after you make a transaction in the first 90 days - enough for $100 off your next cruise

Rewards
All Purchases 1 point per $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel 3 points per $1 spent

On Norwegian Cruise Line purchases

Pharmacy No
Bills No
Additional Details

Bank of America Preferred Rewards clients get an additional 25% - 75% points bonus on every purchase, applied to the base earn of 1 point per $1.

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments Apple Pay, Samsung Pay, Android Pay
Additional Benefits
  • Online Shopping Security
  • Overdraft Protection
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


Finder

For those who cruise with Norwegian Cruise Line frequently

If you’re planning a trip with Norwegian Cruise Line, you could benefit from this card. With no annual fee and opportunities to earn points, it’s good for those who don’t want to spend a lot on a credit card. However, your points are best spent on the cruise line.

Read full review

If you’re planning a trip with Norwegian Cruise Line, you could benefit from this card. With no annual fee and opportunities to earn points, it’s good for those who don’t want to spend a lot on a credit card. However, your points are best spent on the cruise line.

Read full review

Less

RewardExpert

Offers a solid sign-up bonus and decent earning potential to frequent Norwegian cruisers

from RewardExpert

Unfortunately, you’ll need to be a frequent cruiser on Norwegian to gain any ongoing benefit. If you’re not, you should consider a travel credit card with a larger sign-up bonus, similar earning and more flexible redemption options.

Read full review

Unfortunately, you’ll need to be a frequent cruiser on Norwegian to gain any ongoing benefit. If you’re not, you should consider a travel credit card with a larger sign-up bonus, similar earning and more flexible redemption options.

Read full review

Less

ValuePenguin

An unimpressive credit card offering with a low general rewards rate, and few benefits

from ValuePenguin

If you’re looking for a credit card to use on the high seas, and accompany you on your travels, we recommend choosing another travel rewards credit card. The lack of features on the Norwegian Cruise Line Credit Card, accompanied by the low rewards rate, makes it an unappealing choice for most consumers.

Read full review

If you’re looking for a credit card to use on the high seas, and accompany you on your travels, we recommend choosing another travel rewards credit card. The lack of features on the Norwegian Cruise Line Credit Card, accompanied by the low rewards rate, makes it an unappealing choice for most consumers.

Read full review

Less

User Reviews


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