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Norwegian Cruise Line® World Mastercard® review

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Advertiser Disclosure

Interest Rate: Purchases
13.99% ‐ 23.99% (Variable)
Balance Transfer
13.99% ‐ 23.99% (Variable)
1 - 2 points
Signup Bonus
20000 points (after spending $1,000)

Informr score
The Norwegian Cruise Line® World Mastercard® currently has an Informr score of 6.7 out of 10. This score is based on our evaluation of 4 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...


The Norwegian Cruise Line World Mastercard can help frequent Norwegian cruisers save money on their vacations. The 20,000 bonus WorldPoints for spending $1,000 in the first 90 days and 3 WorldPoints per dollar spent on eligible Norwegian purchases can be used for onboard credit, cruise discounts, or...

- Lance Cothern, Investopedia

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

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

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


Interest Rates
Regular APR Interest Rate 13.99% ‐ 23.99% (Variable)

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

Balance Transfer Interest Rate 13.99% ‐ 23.99% (Variable)

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

Cash Advance Interest Rate 16.99% ‐ 26.99% (Variable)

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 0%
Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus 20000 points after spending $1,000

On purchases within the first 3 months.

All Purchases 1 point per $1 spent
Restaurants No
Gas No
Groceries No
Hotels 2 points per $1 spent
Travel 2 points per $1 spent

On Norwegian Cruise Line purchases

Pharmacy No
Bills No
Additional Details
  • 3 points per $1 spent on Norwegian Cruise Line
  • 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 Yes
    Emergency Assistance No
    Concierge Service No
    Price Protection No
    Fraud Protection Yes
    Free Credit Scores Yes
    Wireless Payments Apple Pay, Samsung Pay, Google Pay
    Virtual Cards No
    Additional Benefits
    • Online Shopping Security
    • Overdraft Protection
    Minimum Security Deposit $0
    Minimum Age 18
    Minimum Personal Income
    Temporary Residents No
    Additional comments
    Terms & Conditions Official Terms & Conditions
    Suggest a correction

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