80,000 Points
Worth $1,200
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 4.5%Alaska Air
- 4.5%Hawaiian Air
- 3%EV Charging
Annual Fee
$95
Rec. Credit
Excellent
Bank of America
Norwegian Cruise Line® World Mastercard®
This card is built for Norwegian Cruise Line fans who want a simple, no-annual-fee way to earn points toward future cruise spending. For most people, though, it works more like a niche loyalty card than a strong everyday card, since its rewards rate is only 1% on purchases.
Welcome Offer
20,000 Points
Annual Fee
$0
Rec. Credit Score
Good
Good For
Norwegian cruise loyalists
All information about Norwegian Cruise Line® World Mastercard® has been collected independently by MaxRewards. Norwegian Cruise Line® World Mastercard® is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Norwegian Cruise Line® World Mastercard® worth it?
This card is great for...
Norwegian cruise purchases
No-fee brand loyalty
Occasional cruise travelers
If you regularly sail with Norwegian and want a card that costs nothing to keep, this one is easy enough to justify. The welcome bonus has decent value for a no-annual-fee card, and earning points tied to a cruise brand may appeal if you prefer keeping your rewards focused on future trips.
Outside of that use case, the card is hard to recommend as a primary spending card. A flat 1% return is basic, and there are no listed travel perks, statement credits, or protections to make up for the low earning rate. If you want flexible rewards or stronger day-to-day value, most general cash back or travel cards will be a better fit.
MaxRewards Verdict
A reasonable pick for loyal Norwegian cruisers who want a no-fee card tied to the brand. For everyday spending, its 1% rewards rate and lack of added benefits leave it well behind more versatile options.
Welcome Offer
20,000 Points
after you spend $1,000 on purchases on your new card in your first 3 months of card membership.
Est. Value
$200
Required Spend
$1,000
Time Frame
3 Months
Est. Value
$200
Required Spend
$1,000
Time Frame
3 Months
Earning
Rewards
The rewards setup is very simple: you earn WorldPoints worth about 1 cent each, with 1x points on purchases. That makes this card easy to understand, but it also means the value depends more on your interest in Norwegian rewards than on strong earning rates.
CategoryRate
Everywhere
1%
Rewards percent based on a valuation of 1¢ per WorldPoints point
Eligibility
Recommended Minimum Credit
Min: Good
Poor
Fair
Good
Excellent
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Purchase APR
17.49% - 27.49%
Variable
Transfer APR
17.49% - 27.49%
Variable
Cash Advance APR
29.24%
Variable
Foreign Transaction Fee
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Bank of America
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95,000 Points
Worth $950
After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
- 3%Sonesta
- 2%Airline
- 2%Dining
Annual Fee
$75
Rec. Credit
Good
60,000 Points
Worth $900
After you spend $4,000 on purchases on your new card in your first 3 months of card membership.
- 1.5%Everywhere
Annual Fee
$50
Rec. Credit
Excellent