Which card earns more rewards, the Chase Freedom Flex or Norwegian Cruise Line® World Mastercard®?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Chase Freedom Flex or the Norwegian Cruise Line® World Mastercard®?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Chase Freedom Flex or Norwegian Cruise Line® World Mastercard®?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Chase Freedom Flex or the Norwegian Cruise Line® World Mastercard®?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Chase Freedom Flex or Norwegian Cruise Line® World Mastercard®?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Chase Freedom Flex or the Norwegian Cruise Line® World Mastercard®?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Chase Freedom Flex vs Norwegian Cruise Line® World Mastercard®

Both cards cost $0/yr. The Chase Freedom Flex is better for rotating quarterly, while the Norwegian Cruise Line® World Mastercard® wins on norwegian cruise line. Here's how they compare.

Chase Freedom Flex

Chase

Norwegian Cruise Line® World Mastercard®

Bank of America

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

20,000 points

Earn Rates

Category	Chase Freedom Flex	Norwegian Cruise Line® World Mastercard®
Rotating Quarterly	5X	1X
Drugstores	3X	1X
Norwegian Cruise Line	1X	2X
Everything Else	1X	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

✓Travel insurance

✓Purchase protection

None

Pros & Cons

Pros

+5% on rotating categories up to $1,500/quarter when activated
+3% on dining and drugstores with no annual cap
+5X on Chase Travel portal purchases
+$0 annual fee with Mastercard World Elite benefits
+Transfer points 1:1 to travel partners with Sapphire card

—

Cons

−Must activate quarterly categories or miss 5% bonus
−$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
−3% foreign transaction fee
−Points worth only 1 cent without Sapphire card pairing
−Welcome bonus lower than Sapphire cards

—

Category-by-Category Winner

The Chase Freedom Flex wins in 2 of 3 categories. The Norwegian Cruise Line® World Mastercard® leads in 1.

Rotating Quarterly

Chase Freedom Flex earns 5X vs 1X

Drugstores

Chase Freedom Flex earns 3X vs 1X

Norwegian Cruise Line

Norwegian Cruise Line® World Mastercard® earns 2X vs 1X

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Norwegian Cruise Line® World Mastercard® means losing:

-Purchase protection
-Travel insurance

Frequently Asked Questions

Which card earns more rewards, the Chase Freedom Flex or Norwegian Cruise Line® World Mastercard®?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Chase Freedom Flex or the Norwegian Cruise Line® World Mastercard®?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Chase Freedom Flex — Full Review All Chase Cards

Norwegian Cruise Line® World Mastercard® — Full Review All Bank of America Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · Bank of America cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Chase Freedom Flex vs Norwegian Cruise Line® World Mastercard®

Both cards cost $0/yr. The Chase Freedom Flex is better for rotating quarterly, while the Norwegian Cruise Line® World Mastercard® wins on norwegian cruise line. Here's how they compare.

Chase Freedom Flex

Chase

Norwegian Cruise Line® World Mastercard®

Bank of America

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

20,000 points

Earn Rates

Category	Chase Freedom Flex	Norwegian Cruise Line® World Mastercard®
Rotating Quarterly	5X	1X
Drugstores	3X	1X
Norwegian Cruise Line	1X	2X
Everything Else	1X	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

✓Travel insurance

✓Purchase protection

None

Pros & Cons

Pros

+5% on rotating categories up to $1,500/quarter when activated
+3% on dining and drugstores with no annual cap
+5X on Chase Travel portal purchases
+$0 annual fee with Mastercard World Elite benefits
+Transfer points 1:1 to travel partners with Sapphire card

—

Cons

−Must activate quarterly categories or miss 5% bonus
−$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
−3% foreign transaction fee
−Points worth only 1 cent without Sapphire card pairing
−Welcome bonus lower than Sapphire cards

—

Category-by-Category Winner

The Chase Freedom Flex wins in 2 of 3 categories. The Norwegian Cruise Line® World Mastercard® leads in 1.

Rotating Quarterly

Chase Freedom Flex earns 5X vs 1X

Drugstores

Chase Freedom Flex earns 3X vs 1X

Norwegian Cruise Line

Norwegian Cruise Line® World Mastercard® earns 2X vs 1X

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Norwegian Cruise Line® World Mastercard® means losing:

-Purchase protection
-Travel insurance

Frequently Asked Questions

Which card earns more rewards, the Chase Freedom Flex or Norwegian Cruise Line® World Mastercard®?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Chase Freedom Flex or the Norwegian Cruise Line® World Mastercard®?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Chase Freedom Flex — Full Review All Chase Cards

Norwegian Cruise Line® World Mastercard® — Full Review All Bank of America Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · Bank of America cards

Chase Freedom Flex vs Norwegian Cruise Line® World Mastercard®

Both cards cost $0/yr. The Chase Freedom Flex is better for rotating quarterly, while the Norwegian Cruise Line® World Mastercard® wins on norwegian cruise line. Here's how they compare.

Chase Freedom Flex

Chase

Norwegian Cruise Line® World Mastercard®

Bank of America

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

20,000 points

Earn Rates

Category	Chase Freedom Flex	Norwegian Cruise Line® World Mastercard®
Rotating Quarterly	5X	1X
Drugstores	3X	1X
Norwegian Cruise Line	1X	2X
Everything Else	1X	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

✓Travel insurance

✓Purchase protection

None

Pros & Cons

Pros

+5% on rotating categories up to $1,500/quarter when activated
+3% on dining and drugstores with no annual cap
+5X on Chase Travel portal purchases
+$0 annual fee with Mastercard World Elite benefits
+Transfer points 1:1 to travel partners with Sapphire card

—

Cons

−Must activate quarterly categories or miss 5% bonus
−$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
−3% foreign transaction fee
−Points worth only 1 cent without Sapphire card pairing
−Welcome bonus lower than Sapphire cards

—

Category-by-Category Winner

The Chase Freedom Flex wins in 2 of 3 categories. The Norwegian Cruise Line® World Mastercard® leads in 1.

Rotating Quarterly

Chase Freedom Flex earns 5X vs 1X

Drugstores

Chase Freedom Flex earns 3X vs 1X

Norwegian Cruise Line

Norwegian Cruise Line® World Mastercard® earns 2X vs 1X

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Norwegian Cruise Line® World Mastercard® means losing:

-Purchase protection
-Travel insurance

Frequently Asked Questions

Which card earns more rewards, the Chase Freedom Flex or Norwegian Cruise Line® World Mastercard®?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Chase Freedom Flex or the Norwegian Cruise Line® World Mastercard®?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Chase Freedom Flex — Full Review All Chase Cards

Norwegian Cruise Line® World Mastercard® — Full Review All Bank of America Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · Bank of America cards