Features

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 Interest Rates for Carnival MasterCard?

The interest rate on purchases and balance transfers ranges is either 14.24%, 17.24% or 21.24%, 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 25.24% 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 5,000 signup bonus once you make your first purchase. That is the equivalent of a $50 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 interest 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 interest savings are worth your time.

  • Card Type
    Balance Transfer Rewards
  • Customer Type
    Personal
  • Card Network
    Mastercard
  • Minimum Age
    18
  • Co-signing Allowed
  • Grace Period / Deferred Interest
    23
  • Late Payment Penalty
    $37
  • Minimum Interest Charge
    $1
  • Returned Payment Fee
    $37
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Purchases APR
    14.24% - 24.24%
  • Transfer Fee
    3% ($5 minimum)
  • Balance Transfer APR
    14.24% - 24.24%
  • Intro APR period (months)
    15
js-table-filter bizname-nfl-extra-points-credit-card
0
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
15.24
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 2000

  • Every Purchase
  • Points
  • No Annual Fee
  • 0% Introductory APR
Card Type Rewards
Purchases APR 15.24%
Balance Transfer APR 15.24%
Intro APR period (months) 15
090
js-table-filter bizname-barclaycard-rewards-mastercard--average-credit
0
js-table-filter ccard-type-136
js-table-filter free-fico-score-575
js-table-filter gas-139
js-table-filter groceries-141
js-table-filter points-137
25.24
js-table-filter no-annual-fee-238
js-table-filter card-type-11
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 2000

  • Free FICO Score
  • Gas
  • Groceries
  • Points
  • No Annual Fee
Card Type Rewards
Purchases APR 25.24%
Balance Transfer APR 25.24%
090
js-table-filter bizname-barclaycard-arrival-world-mastercard
js-table-filter air-miles-136
js-table-filter airlines-140
89
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter free-fico-score-575
js-table-filter gas-139
js-table-filter groceries-141
16.24
js-table-filter restaurants-142
js-table-filter travel-143
0
js-table-filter no-annual-fee-first-year-225
js-table-filter no-introductory-apr-350
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 2000

  • Air Miles
  • Airlines
  • Every Purchase
  • Free FICO Score
  • Gas
  • Groceries
  • Restaurants
  • Travel
  • No Annual Fee First Year
  • 0% Introductory APR
  • No Foreign Transaction Fee
Annual Fee $89
Card Type Balance Transfer
Card Type Rewards
Purchases APR 16.24%
Balance Transfer APR 16.24%
Intro APR period (months) 12
083
js-table-filter bizname-the-priceline-rewards8482-visa-card
js-table-filter airlines-140
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
15.24
js-table-filter travel-143
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1998

  • Airlines
  • Every Purchase
  • Points
  • Travel
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 15.24%
Balance Transfer APR 15.24%
Intro APR period (months) 15
042
js-table-filter bizname-black-card-mastercard
js-table-filter airlines-140
495
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
15.24%
0
js-table-filter no-introductory-apr-350
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1966

  • Airlines
  • Points
  • 0% Introductory APR
  • No Foreign Transaction Fee
Annual Fee $495
Card Type Balance Transfer
Card Type Rewards
Purchases APR 15.24%%
Balance Transfer APR 15.24%
Intro APR period (months) 15
006
js-table-filter bizname-barclays-bank-of-delaware--barnes-and-noble-mastercard
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
13.99
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-11
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 2000

  • Points
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.99%
Balance Transfer APR 13.99% - 24.99% var. APR%
006
js-table-filter bizname-frontier-world-mastercard-with-no-annual-fee
js-table-filter air-miles-136
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
15.99
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-11
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1994

  • Air Miles
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 15.99%
Balance Transfer APR 15.99% – 24.99% var. APR%
006
js-table-filter bizname-china-airlines-mastercard-with-no-annual-fee
js-table-filter air-miles-136
0
15.99
0
js-table-filter no-annual-fee-238
js-table-filter card-type-11

  • Air Miles
  • No Annual Fee
Purchases APR 15.99%
Balance Transfer APR 15.99% – 24.99% var. APR (based on Prime Rate)%
000
js-table-filter bizname-frontier-world-mastercard-with-annual-fee
js-table-filter air-miles-136
69
js-table-filter ccard-type-137
js-table-filter ccard-type-136
15.99
js-table-filter card-type-11
js-table-filter credit-required-116

Est. 1994

  • Air Miles
Annual Fee $69
Card Type Balance Transfer
Card Type Rewards
Purchases APR 15.99%
Balance Transfer APR 15.99% – 24.99% var. APR%
006
js-table-filter bizname-barclaycard-arrival-world-mastercard-8212-89-annual-fee-card
js-table-filter air-miles-136
89
14.99
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-116

Est. 2000

  • Air Miles
  • No Foreign Transaction Fee
Annual Fee $89
Purchases APR 14.99%
006
js-table-filter bizname-barclaycard-ring-mastercard
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
8
js-table-filter no-annual-fee-238
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-116

Est. 2000

  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 8%
006
js-table-filter bizname-the-choice-privileges-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
15.24
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1941

  • Points
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 15.24%
Balance Transfer APR 15.24% to 19.99% APR%
006
js-table-filter bizname-the-us-airways-premier-world-mastercard
js-table-filter air-miles-136
js-table-filter airlines-140
89
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
15.24
0
js-table-filter card-type-11
js-table-filter credit-required-116

  • Air Miles
  • Airlines
  • Every Purchase
Annual Fee $89
Card Type Balance Transfer
Card Type Rewards
Purchases APR 15.24%
Balance Transfer APR 15.24% or 18.24%* Variable%
000
js-table-filter bizname-williamssonoma-visa-signature-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
13.74
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1956

  • Every Purchase
  • Points
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.74%
Balance Transfer APR 13.74%%
006
js-table-filter bizname-barclaycard-arrival-world-mastercard-no-annual-fee-card
js-table-filter airlines-140
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
14.99
js-table-filter restaurants-142
js-table-filter travel-143
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-116

Est. 2000

  • Airlines
  • Points
  • Restaurants
  • Travel
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 14.99%
Balance Transfer APR 14.99%, 18.99% or 22.99% APR variable%
006
js-table-filter bizname-the-carnival8482-mastercard
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
14.24
js-table-filter restaurants-142
js-table-filter travel-143
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1972

  • Every Purchase
  • Points
  • Restaurants
  • Travel
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 14.24%
Balance Transfer APR 14.24%
Intro APR period (months) 15
014
js-table-filter bizname-american-airlines-aadvantage-aviator-red-mastercard
js-table-filter air-miles-136
js-table-filter airlines-140
79
js-table-filter ccard-type-136
14.49
0
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1934

  • Air Miles
  • Airlines
  • No Foreign Transaction Fee
Annual Fee $79
Card Type Rewards
Purchases APR 14.49%
Balance Transfer APR 14.49%
Intro APR period (months) 6
014
js-table-filter bizname-the-llbean-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
14.24
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1912

  • Cashback
  • Every Purchase
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 14.24%
Balance Transfer APR 14.24%
012
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I have had my card for bout 5 years..recently I went on a cruise.before I left,I called to make sure they knew about my trip and I could use my card to pay for onboard charges. I was assured I could. While on cruise, I was summoned to service desk because my card would not allow charges. After I called 800 number ,I was told that my card was no good that theory had sent me a new card. I told them I had not received a new card.and that ... I was in the middle of the ocean on a cruise. I was told they could not help me. They would mail me as new card. Well, I have been home for two weeks and still have not received as new card yet. Guess they don't want me ad as customer. Good thing I had a back up credit card with me on cruise. I might have been washing dishes a while to pay for my charges. More Less


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