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Norwegian Cruise Line® World Mastercard®
Bank of America

Norwegian Cruise Line® World Mastercard®

A no-annual-fee travel rewards card from Bank of America.

Locked to Norwegian
Annual fee
No annual fee
Welcome bonus
20,000 points ($200)
Min spend
$1,000 in 90 days
Recommended credit
Good (670+)
Network
Mastercard
Foreign transaction fee
None
Apply on Bank of America site6.9/10Our rating · review ›

Rates, fees, and full terms are set by Bank of America and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: Bank of America application and welcome-bonus rules →
Offer last verified August 21, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on flights and hotels and want travel rewards they can grow.

⚠ Think twice if

your spending is spread evenly, where a flat-rate card would likely earn you more.

Earning rates

3x points on Norwegian Cruise Line purchases
2x points on eligible air and hotel purchases
1x points on all other purchases
Welcome: 20,000 points (about $200) after $1,000 in purchases in the first 90 days
Points redeem for cruises, stateroom upgrades, onboard credit, and more

Best ways to earn & redeem

Put your flights and hotels spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its flights rate is on the modest side for that category, so compare before you commit.

When you cash in, redeem the miles or points inside the single loyalty program this card is tied to. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

No annual fee and no foreign transaction fees

Alternatives to the Norwegian Cruise Line® World Mastercard®

Pairs well with

The Norwegian Cruise Line® World Mastercard® earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Norwegian Cruise Line® World Mastercard® lands.

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