Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
Both cards cost $0/yr. The Chase Freedom Flex is better for rotating quarterly, while the Norwegian Cruise LineĀ® World MastercardĀ® wins on norwegian cruise line. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Chase Freedom Flex | Norwegian Cruise LineĀ® World MastercardĀ® |
|---|---|---|
| Rotating Quarterly | 5X | 1X |
| Drugstores | 3X | 1X |
| Norwegian Cruise Line | 1X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
The Chase Freedom Flex wins in 2 of 3 categories. The Norwegian Cruise LineĀ® World MastercardĀ® 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 LineĀ® World MastercardĀ® earns 2X vs 1X
Choosing one card means missing out on these benefits from the other.
Choosing Norwegian Cruise LineĀ® World MastercardĀ® means losing:
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.
Both cards cost $0/yr. The Chase Freedom Flex is better for rotating quarterly, while the Norwegian Cruise LineĀ® World MastercardĀ® wins on norwegian cruise line. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Chase Freedom Flex | Norwegian Cruise LineĀ® World MastercardĀ® |
|---|---|---|
| Rotating Quarterly | 5X | 1X |
| Drugstores | 3X | 1X |
| Norwegian Cruise Line | 1X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
The Chase Freedom Flex wins in 2 of 3 categories. The Norwegian Cruise LineĀ® World MastercardĀ® 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 LineĀ® World MastercardĀ® earns 2X vs 1X
Choosing one card means missing out on these benefits from the other.
Choosing Norwegian Cruise LineĀ® World MastercardĀ® means losing:
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.
Both cards cost $0/yr. The Chase Freedom Flex is better for rotating quarterly, while the Norwegian Cruise LineĀ® World MastercardĀ® wins on norwegian cruise line. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Chase Freedom Flex | Norwegian Cruise LineĀ® World MastercardĀ® |
|---|---|---|
| Rotating Quarterly | 5X | 1X |
| Drugstores | 3X | 1X |
| Norwegian Cruise Line | 1X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
The Chase Freedom Flex wins in 2 of 3 categories. The Norwegian Cruise LineĀ® World MastercardĀ® 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 LineĀ® World MastercardĀ® earns 2X vs 1X
Choosing one card means missing out on these benefits from the other.
Choosing Norwegian Cruise LineĀ® World MastercardĀ® means losing:
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.