Rating: 4 Stars
Bottom Line:
For Norwegian Cruise Line Cruisers
TABLE OF CONTENTS
Card Details
| Regular APR: | 16.74 – 24.74% (Variable) |
| Intro APR (Purchases): | None |
| Intro APR (Balance transfers): | None |
| Rewards Rate: | 3 WorldPoints points for every $1 spent on Norwegian purchases 1 WorldPoints point per $1 on all other purchases |
| Credit Needed: | (670 – 850) Good/Excellent |
| Annual Fee: | None |
| Card Brand: | Mastercard |
*See online credit card application for details on the terms and conditions.
Offer Highlights
- Click APPLY NOW to apply online
- Get 10,000 bonus WorldPoints reward points after you make a qualifying transaction in the first 90 days of account opening – enough for $100 off your next cruise
- Redeem points for stateroom upgrades, travel discounts, on-board credits, car rentals, hotel stays or gift cards. You?ll also get exclusive redemption opportunities for last-minute cruises and other special offers
- Enjoy no annual fee while earning points to redeem for upgrades, travel, on-board credits and more
- 3 WorldPoints points for every $1 spent on Norwegian purchases
- 1 WorldPoints point per $1 on all other purchases
- Bank of America Preferred Rewards members get an additional 25% – 75% points bonus on every purchase, applied to the base earn of 1 point per $1
Is Norwegian Cruise Line Mastercard worth it?
Norwegian Cruise Line Mastercard is a solid card for Norwegian Cruise Line cruisers. Cardholders earn 3 WorldPoints points for every $1 spent on Norwegian purchases and can redeem points for stateroom upgrades, travel discounts, on-board credits, car rentals, hotel stays or gift cards. Cardholders have reported that room upgrades are the highest value redemption.
The rewards rate of 3% is good, and as with other eligible Bank of America rewards cards, if you have a balance of more than $20,000 combined between any Bank of America and Merrill investment accounts, you earn a Rewards Bonus of 25% or more. Bank of America calls this Preferred Rewards. With no annual fee, frequent cruisers will get a lot of value out of this card.
Pros
- Get 10,000 bonus WorldPoints reward points after you make a qualifying transaction in the first 90 days of account opening – enough for $100 off your next cruise
- Earn 3 WorldPoints points for every $1 spent on Norwegian purchases
- No annual fee
- No foreign transaction fee
Cons
- Penalty APR
Why 4 Stars?
Regular APR
4 Stars
Intro APR
4 Stars
Fees
4 Stars
Perks
5 Stars
Overall
4 Stars
Fees
| Foreign Transaction Fee | None |
| Balance Transfer Fee | Either $10 or 3% of the amount of each transaction, whichever is greater |
| Cash Advance Fee | See Terms (has exception) |
| Penalty APR | Up to 29.99% |
Benefits
| $0 Fraud Liability |
| Auto Rental Collision Damage Waiver |
| Extended Warranty Program |
| Lost Luggage Reimbursement |
| Purchase Protection |
| Roadside Assistance |
| Travel Accident Insurance |
| Travel and Emergency Assistance |
Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.
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