SuperMoney
  Norwegian Cruise Line® World Mastercard®

Norwegian Cruise Line® World Mastercard®

in Personal Credit Cards from Bank of America

Unaffiliated

Norwegian Cruise Line® World Mastercard®

Unaffiliated

in Personal Credit Cards from Bank of America

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote
Cast your vote

Would you recommend Norwegian Cruise Line® World Mastercard® to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
Purchase APR  (Variable APR) 16.49% - 24.49%
Balance Transfer APR  (Variable APR) 16.49% - 24.49%
Credit Score Range 660 - 850
Annual Fee $0

Norwegian Cruise Line® World Mastercard® Review

Norwegian Cruise Line® World Mastercard® 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. This is everything you need to know to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a a rewards rate of 3 points per dollar spent.
  • Signup bonus. Offers a signup bonus of 20000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Norwegian Cruise Line® World Mastercard® has a variable purchase APR that ranges from 16.49% up to 24.49%.
  • 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 up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $10.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as purchase protection, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 660.
Norwegian Cruise Line® World Mastercard® Pros & Cons
The Good The Bad
  • No annual fee.
  • Multiple credit card perks.
  • No foreign transaction fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Norwegian Cruise Line® World Mastercard® reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Charges a 3% balance transfer fee.
Norwegian Cruise Line® World Mastercard® FAQ

Is there a Norwegian Cruise Line® World Mastercard® cash back or rewards program?

Norwegian Cruise Line® World Mastercard® offers a rewards program to its customers.

Norwegian Cruise Line® World Mastercard® Rewards
Rewards rate (all purchases) 1%
Max rewards rate 3%
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 20000
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months

Does Norwegian Cruise Line® World Mastercard® have a signup bonus?

Norwegian Cruise Line® World Mastercard® doesn't offer a cash signup bonus. However, it does include a 20000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.

Does Norwegian Cruise Line® World Mastercard® offer an annual loyalty bonus?

Norwegian Cruise Line® World Mastercard® doesn't offer a cash loyalty bonus.

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

Norwegian Cruise Line® World Mastercard® provides the following benefits:

  • No blackout dates when redeeming miles
  • Reports to major credit bureaus

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

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance.

Norwegian Cruise Line® World Mastercard® has a variable purchase APR that ranges from 16.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 16.49% up to 24.49%. It also has a variable cash advance APR that ranges from 19.49% up to 27.49%. 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.

Does Norwegian Cruise Line® World Mastercard® have an introductory APR offer on balance transfers?

No, Norwegian Cruise Line® World Mastercard® does not come with an introductory APR offer for balance transfers.

Does Norwegian Cruise Line® World Mastercard® have an introductory APR offer on new purchases?

Norwegian Cruise Line® World Mastercard® does not offer an introductory rate on new purchases.
Norwegian Cruise Line® World Mastercard® Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

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

The following fees apply to Norwegian Cruise Line® World Mastercard®:

Norwegian Cruise Line® World Mastercard® Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $29
Late Payment Fee up to $40

Does Norwegian Cruise Line® World Mastercard® have a foreign transaction fee?

Norwegian Cruise Line® World Mastercard® does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

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

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 can 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Airfare (Points) 3
Every Purchase (Points) 3 WorldPoints® points for every $1 spent on Norwegian purchases. 1 WorldPoints® point per $1 on all other purchases.
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 3%
Minimum Interest Charge $1.50
Returned Payment Fee Up to $29
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Tax Returns
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 660 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Purchase Protection
Bonus Rewards Get 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening.
No Blackout Dates  
Rewards Categories
  • Airfare
  • Every Purchase
Signup Bonus (points) 20,000
Rewards Type Points
Cash Advance APR (Variable APR) 19.49% - 27.49%
Balance Computation average daily balance (including new purchases).
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 16.49% - 24.49%
Balance Transfer APR (Variable APR) 16.49% - 24.49%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

Be the first to rate

 

Would you recommend Norwegian Cruise Line® World Mastercard® to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

0%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Other Personal Credit Cards

First Progress Platinum Select Mastercard® Secured Credit Card
Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

3 Reviews

Bank of America Personal Credit Cards

Loading...