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  Norwegian Cruise Line® World Mastercard®
Norwegian Cruise Line® World Mastercard® Unaffiliated

Norwegian Cruise Line® World Mastercard®

Unaffiliated
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Highlights
Purchase APR  (Variable APR) 16.24% - 26.24%
(Verified 09/05/2022)
Balance Transfer APR  (Variable APR) 16.24% - 26.24%
(Verified 09/05/2022)
Credit Score Range 660 - 850
Annual Fee $0

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®

The Good The Bad
  • No annual fee.
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Norwegian Cruise Line® World Mastercard® reports to multiple credit bureaus.
  • Charges a 3% balance transfer fee.

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.

Norwegian Cruise Line® World Mastercard® Rewards
Minimum rewards rate 1x
Max rewards rate 3x
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?

This card 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?

This card doesn't offer a cash loyalty bonus.

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®?

According to the Federal Reserve Board, the average regular APR 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 16.24% 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®?

The following fees apply:

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

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 Norwegian Cruise Line® World Mastercard® customer service number 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 Norwegian Cruise Line® World Mastercard® login page?

You can access the Norwegian Cruise Line® World Mastercard® login page 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 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.

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...
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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) 3%
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $0
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 660 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Extended Warranty Protection
  • Purchase Protection
  • Fraud Liability
  • Free Credit Score
Bonus Offer 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.
No Blackout Dates
Rewards Categories
  • 2x Points on Airfare
  • 1x Point on Every Purchase
  • 3x Points on In-Store Eligible Purchases
Signup Bonus (points) 20,000
Cash Advance APR (Variable APR) 19.24% - 29.24%
APR Type Variable APR
Balance Computation average daily balance (including new purchases).
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 16.24% - 26.24%
(Verified 09/05/2022)
Balance Transfer APR (Variable APR) 16.24% - 26.24%
(Verified 09/05/2022)
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Travel
  • Airline
  • Bonus Offers
Card Network Mastercard

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