Last Updated: 07/28/2025
Norwegian Cruise Line® World Mastercard®
Unaffiliated
in Credit Cards from Bank of America
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
16.24% - 26.24%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
16.24% - 26.24%(Verified 06/21/2024)
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Credit Score Range
660 - 850
Annual Fee
$0
Norwegian Cruise Line® World Mastercard® Review
This is a travel 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.
- APRs: Norwegian Cruise Line® World Mastercard® has a variable regular 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.
- A 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 security, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Norwegian Cruise Line® World Mastercard®
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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.
| Description |
Does Norwegian Cruise Line® World Mastercard® have a signup bonus?
Yes. 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.
Does Norwegian Cruise Line® World Mastercard® offer an annual loyalty bonus?
This card 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:
- 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®?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.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.Does Norwegian Cruise Line® World Mastercard® have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Norwegian Cruise Line® World Mastercard® have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Norwegian Cruise Line® World Mastercard®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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® have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Norwegian Cruise Line® World Mastercard®?
The customer service number for Norwegian Cruise Line® World Mastercard® is (800) 932-2775.
What is the support contact email for Norwegian Cruise Line® World Mastercard®?
The support contact email for Norwegian Cruise Line® World Mastercard® is customerservicealert@bankofamerica.com.
What is the login page for Norwegian Cruise Line® World Mastercard®?
You can access the login page of Norwegian Cruise Line® World Mastercard® here.
How do people rate the customer service and user experience of Norwegian Cruise Line® World Mastercard®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Norwegian Cruise Line® World Mastercard® report your account activity to credit bureaus?
Yes, Norwegian Cruise Line® World Mastercard® reports to the following credit bureaus:
- 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 build your credit.
Does Bank of America perform a hard credit pull?
Yes, Norwegian Cruise Line® World Mastercard® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Norwegian Cruise Line® World Mastercard®
- Visit the website of Norwegian Cruise Line® World Mastercard®.
- 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.
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