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Bank of America Norwegian Cruise Line® World Mastercard®

Credit needed
Good
APR
13.99% to 23.99%
Annual Fee
$0

Card Summary

A cobranded credit card that rewards travelers who frequent Norwegian Cruise Line, the Bank of America Norwegian Cruise Line World Mastercard. This card allows you to earn 3 points for every dollar spent on Norwegian.

You can also get 2 points per $1 on hotel and air purchases. All other purchases are worth 1 point.

After you have opened an account, the Bank of America Norwegian Cruise Line World Mastercard will give you 20,000 bonus points.

An annual fee is $0, this is included in the benefits for cardholders.

These include no liability for fraud and free monthly access to FICO credit scores.

Card Summary - Cons

Rates and fees

Issuer Name
Bank of America
Penalty APR
Maximum 29.99%
Credit Needed
Good
Balance Transfer Fee
The greater of $10 or 3% depending on the transaction amount, whichever is higher
Annual Fee
$0
Cash Advance Fee
For each transaction: Direct deposit and check cash advances: $10, or 3%, depending on the transaction amount ATM, Over the Counter, Same Day Online, and Cash Equivalent Cash Advances are $10, or 5%, depending on the transaction amount.
APR
13.99% to 23.99%
Foreign Transaction Fee
None
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The Best Features

Reward Points: This card will give you three points for every dollar spent on Norwegian products, two points for eligible hotel and air purchases, and one point each dollar on any other purchases. Annual Fee: Bank of America Norwegian Cruise Line World Mastercard has a $0.
Bonus points for Preferred Rewards cardholders: Bank of America Preferred Rewards Cardholders can receive a reward bonus of up 75% on cash redemptions into Bank of America savings or checking accounts. To be eligible for Bank of America Preferred rewards Gold, you must have a minimum of $20,000. For Gold status you will receive a 25% reward bonus. This means that a $100 cashback deposit will earn $25, and a $125 total deposit will get a bonus bonus of $25.

Rewards

Sign up bonus

APR Requirements

Drawbacks

High APR Potentially: Bank of America Norwegian Cruise Line World Mastercard offers a variable standard APR of between 13.99% and 23.99% depending on creditworthiness. There is no 0% initial APR for the Bank of America Norwegian Cruise Line World Mastercard.The Bank of America Norwegian Cruise Line World Mastercard offers very limited benefits. While many travel credit cards offer benefits like concierge services and cancellation insurance for trips, these are not available to the Bank of America Norwegian Cruise Line World Mastercard.

Highlights

For every $1 you spend on Norwegian purchase, earn 3 World Points Points. Earn 2 World Points Points per $1 for eligible hotel and air purchases. 1 World Points Point per $1 for all other purchases. After you spend $1,000 or more within the first 90-days of your account opening, receive 20,000 bonus points Earn points that can be used to upgrade, pay for travel and other benefits. Points can be used to upgrade staterooms, receive travel discounts, redeem on-board credit, or for car rental, hotel stay, and gift card redemptions. Exclusive redemption options for last-minute cruises, and other offers will be available.
Bank of America Preferred Rewards members receive an additional 25%-75% points bonus for every purchase. This is in addition to the 1 point base earn of $1.Bank of America Norwegian Cruise Line World Mastercard benefits Benefits of the Bank of America Norwegian Cruise Line World Mastercard include: No liability for fraud transactions Access to your monthly FICO credit score for no cost

Benefits

Comparative Analysis with Other Cards

Bank of America Norwegian Cruise Line World Mastercard and Bank of America Celebrity Cruises Signature Credit CardAnnual fee: A Bank of America Norwegian Cruise Line World Mastercard charges a $0. Annual fee: The Bank of America Celebrity Cruises Visa Signature Credit Card charges $0Reward: With the Bank of America Norwegian Cruise Line World Mastercard, you'll get three points for every dollar spent on Norwegian products. All other eligible purchases, including hotel and air purchases, earn 1 point per $1. Two points per dollar are earned by the Bank of America Celebrity Cruises Visa Signature Credit Card for Celebrity Cruises Royal Caribbean, Azamara Club Cruises.
All other purchases earn one point. Sign up bonus: After you spend $1,000 on purchases within the first 90 days of opening your account, The Bank of America Norwegian Cruise Line World Mastercard will give you 20,000 bonus point. When you open an account with Bank of America Celebrity Cruises Visa Signature credit card, your first purchase will earn you 10,000 bonus points. Benefits: The cards have zero liability for fraud transactions, and you get monthly FICO credit score access free of charge. Bank of America Norwegian Cruise Line World Mastercard and Bank of America Royal Caribbean Signature Credit Card Annual Fee: Bank of America Norwegian Cruise Line World Mastercard has a $0.0 annual fee.
Annual fee: The Bank of America Royal Caribbean Visa Signature Credit Card charges $0.Reward: The Bank of America Norwegian Cruise Line World Mastercard will give you three points per $1 on Norwegian purchase, two points per $1 on hotel and air purchases that are eligible, and one point for all other purchases. Two points per dollar are earned by the Bank of America Royal Caribbean Visa Signature Credit Card for Celebrity Cruises, Royal Caribbean and Azamara Club Cruises. All other purchases earn one point.
Sign up bonus: After you spend $1,000 on purchases within the first 90 days of opening your account, The Bank of America Norwegian Cruise Line World Mastercard will award you 20,000 bonus point. After you make a qualifying purchase within 90 days of opening your account, the Bank of America Royal Caribbean Visa Sign-Up Credit Card will give you a 10,000 point sign-up bonus and $50 Air2Sea airfare discounts. Cardholders receive benefits such as zero liability for fraudulent transactions, monthly FICO credit score access and no cost annual renewals.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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