Norwegian Cruise Line® World Mastercard®

Norwegian Cruise Line® World Mastercard® Review

This is a rewards credit card issued by Bank of America. If you're wondering whether Norwegian Cruise Line® World Mastercard® is the right card for you, read on.

Key Takeaways

• Generous reward rate. You can get a rewards rate of up to 3 reward points per dollar spent.
• Get 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening – which can be redeemed for a $200 off your next Norwegian cruise.
• Competitive APRs. Norwegian Cruise Line® World Mastercard® has a variable purchase APR that ranges from 16.24% up to 26.24%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. Norwegian Cruise Line® World Mastercard® charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, purchase protection, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 660.

Pros & Cons of Norwegian Cruise Line® World Mastercard®

Norwegian Cruise Line® World Mastercard® FAQ

Does Norwegian Cruise Line® World Mastercard® have a cash back or rewards program?

Norwegian Cruise Line® World Mastercard® is a travel rewards card.

What are the Norwegian Cruise Line® World Mastercard® benefits?

It provides the following benefits:

• Free Credit Score
• Extended Warranty Protection
• Zero fraud liability
• No blackout dates when redeeming miles
• Reports to major credit bureaus

What are the relevant APRs for Norwegian Cruise Line® World Mastercard®?

Norwegian Cruise Line® World Mastercard® has a variable purchase APR that ranges from 16.24% up to 26.24%. The card has a variable balance transfer APR that ranges from 16.24% up to 26.24%. It also has a variable cash advance APR that ranges from 19.24% up to 29.24%. Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Norwegian Cruise Line® World Mastercard®?

The following fees apply:

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Norwegian Cruise Line® World Mastercard® report your account activity to credit bureaus?

Yes, Norwegian Cruise Line® World Mastercard® reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Norwegian Cruise Line® World Mastercard®

• Visit the Norwegian Cruise Line® World Mastercard® website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.