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Carnival World Mastercard

in Personal Credit Cards

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Carnival World Mastercard

Unaffiliated

in Personal Credit Cards

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Overview

Who is the Carnival Mastercard Designed For?

The Carnival Mastercard is designed for people who want to earn rewards toward cruises and on-board purchases without paying annual fees or foreign transaction fees. Its 0% APR intro rate on balance transfers also make it a great card for people who have some credit card debt to pay off.

What are the Rates for Carnival Mastercard?

The rate on purchases and balance transfers ranges is either 15.49% APR, 20.49% APR or 25.49% APR, depending on credit. The card has an impressive 15-month 0% APR intro rate on balance transfers made within the first 45 days of opening the account. Cash advances have a 26.74% APR, but late payments don't trigger a penalty rate.

What Are the Fees for the Carnival Mastercard?

The Carnival Mastercard doesn't have annual fee or foreign transaction fees, which is a rare and very welcome combination. As with most credit cards, it does have a 3% balance transfer fee ($5 minimum), and a 5% cash advance fee ($10 minimum). Penalty fees on late payments and returned payments are $37.

What Is Carnival Mastercard Rewards Program Like?

The rewards rate is nothing to write home about but it is easy to redeem points with this rewards program. There is a 2 points per $1 rate on Carnival purchases, but only 1 point per $1 on all other purchases.

On the bright side, there's no blackout dates or fees to worry about when redeeming points for cruise tickets. Just purchase your vacations with participating cruise lines with the card, and then use the points as statement credits. As well as Carnival cruises, members can also redeem their points for purchases with other major cruise companies, such as Princess Cruises, Holland America Line, Costa Cruises and the Yachts of Seabourn.

What about Carnival Mastercard's Signup Bonus?

The card has a 10,000 signup bonus once you make your first purchase. That is the equivalent of a $100 statement credit.

Does the Carnival Mastercard Have Any Other Benefits?

Members can also use their points as credits toward on-board gifts, such as champagne, roses, day trips and spas.

How Is Carnival Mastercard Better Than Other Credit Cards?

The Carnival Mastercard has relatively low rates, no annual fee and has a signup bonus. The fact it doesn't have a foreign transaction fee makes it a great backup travel card for card churners when they are “in-between” prime travel rewards cards.

The long 0% APR intro rate makes this card a decent balance transfer card as well as a rewards card. Just don't forget it has a 3% fee on balance transfers when determining whether the APR savings are worth your time.

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Availability

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

Grace Period for Late Payment (Days) 23
Over-Limit Fee $0
Annual Fee $0
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Late Payment Penalty $37
Returned Payment Fee $37
Minimum Interest Charge $0.50
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $5
Minimum Age 18
Credit Score Range 700 - 850
850 300 700
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
  • Travel Assistance
All Other Purchases 1 “FunPoint” per $1 spent
No Blackout Dates  
Every Purchase 2 “FunPoints” per $1 spent
No Reward Expiration Period  
Rewards Categories
  • Every Purchase
  • Trains, Cruises, Other Travel
Signup Bonus (points) 10,000
Purchase APR (Variable APR) 15.49% - 25.49%
Cash Advance APR (Variable APR) Starting at 26.74%
Balance Computation daily balance (including new purchases)
Balance Transfer APR (Variable APR) 15.49% - 25.49%
Introductory Rate 0%
Intro APR period (months) 15

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