Norwegian Cruise Line® World Mastercard® Review

Norwegian Cruise Line® World Mastercard® is a rewards credit card issued by Bank of America. 

This card is designed for people with fair credit. The minimum credit score to apply is 660. 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.

Pros & Cons of Norwegian Cruise Line® World Mastercard®

The Good	The Bad
No annual fee. Multiple credit card perks. Cardholders can earn rewards on their purchases. Extended warranty protection on purchases. Free access to your credit score. Purchase Protection. No foreign transaction fee. Earn rewards on every purchase. Norwegian Cruise Line® World Mastercard® reports to multiple credit bureaus.

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)	10000
Signup Bonus Spend Period (months)	3 months

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 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 16.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 16.99% up to 24.99%. It also has a variable cash advance APR that ranges from 19.99% up to 26.99%. 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.

Norwegian Cruise Line® World Mastercard® Balance Transfers

Description
Balance Transfer APR	16.99% - 24.99%
Introductory Rate	N/A
Intro APR period (months)	N/A

Norwegian Cruise Line® World Mastercard® Rates & Terms

Description
Balance Computation	average daily balance (including new purchases)
Purchase APR	16.99% - 24.99%
Credit Limit	N/A
Penalty APR	29.99%
Cash Advance APR	19.99% - 26.99%
Security Deposit	N/A
Introductory Rate	N/A
Intro APR period (months)	N/A

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

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%
Balance Transfer Fee	3%
Minimum Balance Transfer Fee	$10
Returned Payment Fee	$28
Late Payment Fee	$39

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.