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Bank of America Norwegian Cruise Line World Mastercard Review
The Bank of America Norwegian Cruise Line® World Mastercard® is a co-branded travel rewards credit card designed for people who frequently travel with Norwegian Cruise Line. Using this card, you can earn 3 WorldPoints® points for every $1 spent on Norwegian purchases, 2 WorldPoints® points per $1 spent on eligible air and hotel purchases and 1 WorldPoints® point per $1 spent on all other purchases. New cardholders of the Bank of America Norwegian Cruise Line® World Mastercard® can earn 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening. The card does not charge an annual fee. Cardholder benefits include zero liability for fraudulent transactions and monthly FICO credit score access for free.
- Issuer NameBank of America
- Credit NeededGood/Excellent
- Annual Fee$0
- APR18.24% – 28.24% variable
- Penalty APRUp to 29.99%
- Balance Transfer Fee4% of each transaction
- Cash Advance FeeDirect Deposit and Check Cash Advances: Either $10 or 3% of the amount of each transaction, whichever is greater
ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances: Either $10 or 5% of the amount of each transaction, whichever is greater
Overdraft Protection Cash Advance (if enrolled): $12 for each transaction
- Frequently vacation with Norwegian Cruise Line.
- Will use your points before they expire.
- Don’t want to pay an annual fee.
A good way to use the Bank of America Norwegian Cruise Line® World Mastercard® is to book travel with Norwegian Cruise Line, as you’ll earn three points per dollar on those purchases.
Cardholders can earn even more rewards by becoming Preferred Rewards Members. If you have a three-month combined average daily balance of $20,000 or more, you’ll become a Preferred Rewards Member. Depending on your balance with Bank of America and Merrill, you’ll earn anywhere from a 25% to 75% rewards bonus.
Editor’s Take
Since the Bank of America Norwegian Cruise Line® World Mastercard® has a generous sign-up bonus and offers three points per dollar spent on Norwegian purchases, it’s a natural choice if you travel frequently with Norwegian Cruise Line.
It offers good rewards for Norwegian purchases and comes at little risk with a $0 annual fee. However, a lack of bonus earnings in common spending categories means you should pair this card with at least one other to maximize rewards.
You may want to get a flat rate cash back card like the Citi Double Cash® Card, which earns 2% cash back on every purchase – 1% when you buy plus 1% as you pay. You also could consider a more well-rounded travel card like the Chase Freedom Unlimited®. The Chase Freedom Unlimited® offers 3% cash back on drugstore purchases, as well as dining at restaurants – including takeout and eligible delivery services – 5% cash back on travel booked through Chase Travel and 1.5% cash back on all other purchases.
New cardholders can earn 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening.
Cardholders of the Bank of America Norwegian Cruise Line® World Mastercard® earn 3 WorldPoints® points for every $1 spent on Norwegian purchases, 2 WorldPoints® points per $1 spent on eligible air and hotel purchases and 1 WorldPoints® point per $1 spent on all other purchases, so you will earn rewards at the highest rate when making purchases with Norwegian.
You can earn 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening. If you plan to redeem your rewards as cash back, you can earn up to 75% more cash when you’re enrolled in Bank of America Preferred Rewards.
Cardholders can redeem points for stateroom upgrades, travel discounts, onboard credits, last-minute cruises, car rentals, hotel stays, cash, gift cards and more. You’ll need at least 2,500 points to redeem, and any points you don’t use within five years of the month you earned them will expire.
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