The Norwegian Cruise Line World Mastercard from Bank of America has an introductory bonus offer of: 20,000 WorldPoints. This is a value of $200. It’s not really the best welcome bonus there is to offer even with no annual fees attached.
With the Norwegian Cruise Line World Mastercard, it’s a great choice for loyal customers of this cruise line. They have 3x points for Norwegian Cruise Line expenses. Lots of cruise branded credit cards will only offer 2x points for cruise line purchases.
However, if you don’t normally go on cruises with Norwegian, then you should look into a different travel credit card. There are lots of low priced credit card choices will more malleable rewards for daily purchases.
Norwegian Cruise Line Card Quick Facts
| Bonus Available | Gain 20,000 bonus points once you’ve made 1 eligible transaction in the first 90 days of having your account open. |
| Bonus Value | $200 |
| Ongoing Rewards/Benefits | Earn 3 points for each $1 used towards Norwegian expenses and 1 point for each $1 used towards other expenses. |
| Foreign Transaction Fees? | No |
| Annual Fee | $0 |
Recommended Free Credit Score (Get Free Score)
690 – 850 (Good – Excellent)
*If interested see our list of Bank of America bonuses for Checking & Savings accounts.*
Pros
- No annual fee
- Bonus points
- BoA relationship bonus
- No foreign transaction fees
Cons
- Inflexible rewards
Editor’s Alternate Pick
 The Chase Freedom FlexSM offers a $200 bonus after spending $500 on purchases in your first 3 months from account opening. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR. You'll earn: • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • Unlimited 1% cash back on all other purchases You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. This card has no annual fee. |
Norwegian Cruise Line Card 20,000 Bonus Points
Make use of the Norwegian Cruise Line credit cards bonus offer of: 20,000 WorldPoints. These 20k points will be worth about $200 in value. It’s a low valued bonus offer that doesn’t require much to be eligible. You just need to make 1 qualifying transaction in the first 90 days of having your account open.
What are WorldPoints Worth?
Compared to other cruise branded credit cards, depending on how you decide to use your points will reflect their value. Typically, every 1 WorldPoint will be worth about $0.01. It’s on par with the industrial average for other credit cards in this platform.
Your WorldPoints can be used for:
- Norwegian Cruise Line travel
- Other travel (airfare, hotels, rental cars)
- Cash back (statement credits, check, BoA and Merrill Lynch account deposits)
- Gift cards
To get the best value for your WorldPoints, you should redeem them towards travel ($0.01 per point). Or get cash back ($0.008 per point), then gift cards ($.0075 per point).
Norwegian Cruise Line Card Top Features
This cruise card is the only one that allows enrollment with Bank of America Preferred Rewards. Receive an extra 25% – 75% rewards bonus for daily expenses.
Qualifications for this program requires a specific minimum of balances for eligible Bank of America accounts. Qualifying accounts are BoA business accounts, Merrill Edge, and Merrill Lynch investment accounts.
| Membership Tier | Minimum Balance Across Accounts | Rewards Bonus | The Rewards Rate | Rewards Rate for Everything Else |
| Not a Member | None | 0% | 3X | 1x |
| Gold | $20,000 | 25% | 3.25X | 1.25X |
| Platinum | $50,000 | 50% | 3.5X | 1.5X |
| Platinum Honors | $100,000 | 75% | 3.75X | 1.75X |
Preferred Rewards bonuses will only apply towards base points gained in expenses. Norwegian Cruise Line spending gains 1 base point and 2 bonus points equal to the 3 points for each $1 used. Example: Gold level receives 25% bonus rewards on 1 base points = 0.25 bonus. That’s 3.25 points per dollar on Norwegian purchases for Gold level.
The more you have built up in your accounts the better your rewards will be.
Buy things overseas without having to stress over any foreign transaction fees with the Norwegian Cruise Line World Mastercard.
Bottom Line
If you’re a loyal cruiser with Norwegian, you should definitely look into this Norwegian Cruise Line World Mastercard. It won’t have any additional fees and charges included. You can even gain 3x points for cruise points, which isn’t common for other cruise line branded credit cards.
However, if you don’t normally cruise with Norwegian, then you should consider a general travel card. Look into cards that have a larger welcome bonus offer and more rewards for daily usage. It’s not a card you should invest in if you aren’t a loyal customer to them.
(Visit Bank of America for more information)
What’s the Competition?
There are some of Norwegian Cruise Line World Mastercard’s top competitors listed below.
The Chase Freedom FlexSM offers a $200 bonus after spending $500 on purchases in your first 3 months from account opening. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR. You'll earn: • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • Unlimited 1% cash back on all other purchases You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. This card has no annual fee. |
 The Chase Freedom Unlimited® Card offers a $250 bonus after spending $500 on purchases in your first 3 months from account opening. Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR. In addition, you can earn: • 6.5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase TravelSM, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases. There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open. This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM. Member FDIC |
 The Capital One Quicksilver Cash Rewards Card offers $200 Cash Back after spending $500 on purchases within 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; variable APR after that; balance transfer fee applies You'll earn: • 1.5% Cash Back on every purchase, every day with no rotating categories or sign-ups needed to earn cash rewards. • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply. This card comes with no annual fee and no foreign transaction fees which makes this card a viable option for your go-to everyday card. |
