Norwegian Cruise Line® World Mastercard®
- Annual Fee
- $0
- points · Welcome Bonus
- 20,000
- Highest rate (conditional)
- Up to 3X (Norwegian Cruise Line)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard World
- Rewards Currency
- Norwegian Cruise Line
- Credit Required
- Excellent
Welcome Offer
20,000
points
$1,000
Spend Required
3 months
Time Period
Earning Rates
- 3X
Norwegian Cruise Line
Earn 3 WorldPoints® points for every $1 spent on Norwegian purchases. Previous note wrongly named Celebrity Cruises/Royal Caribbean as sister brands — that text belonged to the Royal Caribbean card.
- 2X
Flights
2 WorldPoints® points per $1 spent on eligible air purchases
- 2X
Hotels
2 WorldPoints® points per $1 spent on eligible hotel purchases
Benefits & Perks
Insurance & Protections
2 protectionsZero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
FICO® Score
Now, when you opt-in you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking.
Reviews & Analysis
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 | 17.74%–27.74% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Bank of America | Bank of America | |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page: Multiple card facts | |
| Bank of America | Bank of America: Multiple card facts | |
| Issuer Page | Issuer Page: Welcome offer | |
| Bank of America | Bank of America |
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.
