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 extended warranty protection on purchases, 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 and Cons:

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.

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

Norwegian Cruise Line® World Mastercard® 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 16.49% 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.

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

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

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 score.

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.