80,000 Points
Worth $1,200
After you spend $4,000 on purchases on your new card in your first 3 months of card membership.
- 4.5%Alaska Air
- 4.5%Dining
- 4.5%Hawaiian Air
Annual Fee
$395
Rec. Credit
Good
Bank of America
Norwegian Cruise Line® World Mastercard®
The Norwegian Cruise Line World Mastercard is tailored for travelers who sail frequently with Norwegian and want to earn rewards toward future cruises without paying an annual fee. While it offers elevated rates on cruise bookings, airlines, and hotels, its value depends almost entirely on how often you vacation with this specific cruise line.
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 vacations
Flight and hotel bookings
International travel with zero foreign fees
For dedicated Norwegian Cruise Line fans, this card delivers solid value with no annual fee. Earning 3x points on Norwegian purchases and 2x points on flights and hotels allows frequent cruisers to accumulate discounts, cabin upgrades, or onboard credits reasonably fast. The lack of foreign transaction fees is another practical perk for port stops and international travel. However, for general travelers or occasional cruisers, the rewards structure is relatively narrow. Flexible travel cards or flat-rate cash-back cards often provide greater versatility and equal or better earning potential across everyday purchases without locking your redemptions into a single cruise ecosystem.
MaxRewards Verdict
This card is a practical choice for loyal Norwegian cruisers seeking fee-free cruise discounts, but general travelers will find broader value elsewhere.
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
Earning centers on WorldPoints, with the highest rates awarded on Norwegian Cruise Line purchases alongside secondary rewards for flights and hotel stays.
CategoryRate
Norwegian
3%
Airline
2%
Hotel
2%
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
17.74% - 27.74%
Variable
Transfer APR
17.74% - 27.74%
Variable
Cash Advance APR
29.49%
Variable
Foreign Transaction Fee
None
Balance Transfer
5%
Cash Advance
$5 or 5%
Late Payment
$41
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
See all 42 cards
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
70,000 Points
Worth $1,050
After you spend $2,500 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
Good