Carnival Rewards™ Mastercard®
Earn 3X points on Carnival purchases with $0 annual fee
The Carnival Rewards Mastercard charges no annual fee and earns 3X points on Carnival Cruise Line purchases (up to 6X combined with points earned through Carnival Rewards), 2X at restaurants and grocery stores, and 1X elsewhere. It also earns 1 Status Qualifying Star per dollar spent. New cardholders earn 20,000 bonus points after spending $1,000 in the first 90 days.
- Annual Fee
- $0
- points · Welcome Bonus
- 20,000
- Highest rate (conditional)
- Up to 3X (Carnival)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard World
- Rewards Currency
- Carnival Rewards Points
- Credit Required
- Excellent
Welcome Offer
20,000
points
$1,000
Spend Required
3 months
Time Period
New cardholders receive 20,000 bonus points after spending $1,000 on purchases within the first 90 days of account opening.
Earning Rates
- 3X
Carnival
Earn 3X points from the card on Carnival Cruise Line purchases (up to 6X combined with points earned through Carnival Rewards). Also earns 1 Status Qualifying Star per $1 spent on all purchases.
- 2X
Dining
Earn 2X points for every $1 spent at eligible restaurants.
- 2X
Grocery Stores
Earn 2X points for every $1 spent at eligible grocery stores (excluding Target and Walmart).
- 1X
All Other
Earn 1 point for every $1 spent on all other purchases
Earning Scenarios
3X points on Carnival purchases
Earn 3 points per dollar on purchases billed directly by Carnival Cruise Line, plus up to 3X more through Carnival Rewards, for up to 6X in total.
Book a $3,000 cruise and earn 9,000 points from the card.
2X points at restaurants and grocery stores
Earn 2 points per dollar at eligible restaurants and at grocery stores, excluding Target and Walmart.
Spend $800/month on dining and groceries and earn 19,200 points per year.
1X points everywhere else
Earn 1 point per dollar on all other purchases. Carnival Cruise Line manages point redemption through the Carnival Rewards program.
Spend $1,000/month on everyday purchases and earn 12,000 points per year.
Benefits & Perks
Elite Status & Memberships
Fast track to top-tier perks
1 Status Qualifying Star per $1 spent
Earn 1 Carnival Rewards Status Qualifying Star for every $1 you spend, on top of your points.
Insurance & Protections
4 protectionsRental car collision coverage
secondary
Collision damage waiver when you rent with the card and decline the agency's insurance
Zero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Trip cancellation and interruption
primary
Coverage for trip cancellation and interruption when you pay with the card
Baggage delay insurance
primary
Coverage for baggage delays when you pay for travel with the card
Dining Out
2x at restaurants
Carnival Rewards Points
200 points on a $100 dinner. We don't put a dollar value on this currency yet.
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Reviews & Analysis
Third-Party Rankings & Ratings
3 sourcesHow It Compares
The Carnival Rewards Mastercard targets frequent Carnival cruisers with no annual fee, 3X points on Carnival purchases, 2X on dining and groceries, and a Status Qualifying Star for every dollar spent. With a $0 annual fee, it makes sense for anyone booking one or more Carnival cruises per year.
The Math: Is $0 Worth It?
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Payment Terms
| Purchase APR | 18.74%–29.74% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Video Reviews
8 videosRedeeming your Carnival™ World Mastercard® FunPoints®
Complete Cruise Line Credit Cards Review | Part 1
Carnival Cruise Line Features Mastercard to Earn Rewards Points
Carnival Rewards Program Explained: What You NEED to Know
Carnival Rewards Mastercard (Barclays) – My Honest Review & Real User Experience
CRUISE NEWS! Is Your Cruise Credit Card Still Worth Keeping?
Carnival World Mastercard (Barclays) – My Honest Review & Real User Experience in 2025
Third-Party Articles & Reviews
Carnival World Mastercard Review
In-depth review of the Carnival World Mastercard covering rewards structure, welcome offer, FunPoints redemption, and whether this card is worth it for Carnival cruisers. TPG rates this card 3 out of 5 stars.
Carnival World Mastercard Full Details on Rewards and Fees
Detailed guide covering the Carnival World Mastercard's rewards structure, fee schedule, earning caps, redemption options, travel perks, and common pitfalls to avoid. Includes strategic tips for maximizing FunPoints value on Carnival cruises.
Carnival World Mastercard Review
Comprehensive review from U.S. News analyzing the Carnival World Mastercard's rewards, fees, and features. Rates the card 3.6 out of 5 stars. Covers FunPoints earning structure, welcome bonus, and suitability for frequent Carnival cruisers.
5 Things to Know About the Carnival World Mastercard
NerdWallet's guide highlighting five key aspects of the Carnival World Mastercard, including the welcome offer (25,000 FunPoints after $500 spend in 90 days), earn rates, FunPoints redemption options, and whether the card is worth applying for.
Carnival Credit Card Review
WalletHub's detailed review of the Carnival World Mastercard, including user ratings (3.0 out of 5 from 240 reviews), expert analysis of rewards structure, comparison with other cruise credit cards, and insights on FunPoints value and redemption.
Carnival World Mastercard Review
Credit Karma's analysis of the Carnival World Mastercard covering rewards structure, fees, welcome bonus, and recommendations on who should (and shouldn't) apply. Includes insights on FunPoints value and redemption flexibility.
Carnival World Mastercard Review
Yahoo Finance's review of the Carnival World Mastercard analyzing the card's rewards program, welcome bonus, FunPoints value, and whether it's a good fit for occasional vs. frequent Carnival cruisers. Includes comparison with other travel rewards cards.
Best Barclays Credit Cards
Forbes Advisor's roundup of the best Barclays credit cards, featuring the Carnival World Mastercard. Highlights the card's smooth rewards system for repeat cruising while noting the limited 1x base earn rate on non-Carnival purchases.
Carnival World Mastercard
AwardWallet's guide to the Carnival World Mastercard covering key features, FunPoints earning and tracking, welcome offer details, and integration with AwardWallet's points tracking platform for Carnival cruisers.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Barclays | Barclays: Multiple card facts | |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Multiple card facts | |
| Barclays | Barclays: Multiple card facts | |
| Barclays | Barclays |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
