| Rewards | WorldPoints® — 3 points/$1 on Norwegian Cruise Line purchases, 2 points/$1 on eligible airline and hotel purchases, and 1 point/$1 on all other purchases. |
|---|---|
| Signup Bonus | 30,000 bonus points after spending $1,500 within the first 90 days of account opening. That's worth up to $300 in onboard credit |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 27.49%–29.24% variable for Bank Cash Advances; 20.49%–28.49% variable for Direct Deposit/Check Cash Advances |
| Cash Advance Fee | 5% of the transaction for Bank/ATM Cash Advances; 4%–5% for Check Cash Advances |
| Late Payment Fee | Up to $40 |
| Purchases APR | 17.49%–27.49% variable |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Norwegian Cruise Line World Mastercard is geared toward cruise travelers, especially loyal Norwegian Cruise Line customers. With no annual fee, WorldPoints rewards, and a welcome bonus, it offers extra value when spending on Norwegian purchases, hotels, and airlines.
Most users say the card is attractive because points can be redeemed toward Norwegian Cruise Line purchases and onboard expenses. Many reviewers mentioned that earning extra points on Norwegian bookings makes the card useful for frequent cruisers, while the lack of an annual fee is another plus.
On the downside, some users feel the rewards are too specialized compared with flexible travel or cash-back cards. Others point out that the card provides less value if you rarely cruise with Norwegian. The relatively high APR can also make carrying a balance expensive.
Personally, I think this card is worth considering for regular Norwegian Cruise Line customers who can pay their balance in full. If you cruise only occasionally or want flexible travel rewards across multiple airlines and cruise lines, a general travel card may be a better choice.
RATE THIS CREDIT CARD
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L
Great Card for Cruise Lovers
We love cruising so this card made sense. Rewards for future cruises and onboard purchases add up nicely. Good pick if you cruise regularly.
F
disappointing
I barely saw any benefits, the travel discounts were minimal and the rewards rate felt low compared to fees. It doesn't make sense unless you're booking cruises constantly.
