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The Norwegian Cruise Line World Mastercard from Bank of America has a 20,000 WorldPoints introductory bonus offer. That’s a value of $200. It’s certainly not the best bonus out there, even for a no annual fee card.
Norwegian Cruise Line World Mastercard is a solid option for loyalists to the cruise line. It offers triple points for Norwegian Cruise Line purchases. Most cruise-branded cards only reward 2x points for cruise-related spending.
But if you don’t often cruise with Norwegian, you’ll want to consider another travel credit card. There are plenty of low-cost options with flexible rewards for everyday expenses.
*The Norwegian Cruise Line card is issued by Bank of America. BoA also offers great sign-up bonuses for its Checking/Savings accounts.
CHASE FREEDOM UNLIMITED®
The Chase Freedom Unlimited® credit card has an offer for $200 bonus cash after you spend $500 on purchases in your first 3 months from account opening.
This card also earns 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
The Chase Freedom Unlimited® earns Ultimate Rewards points. Points can be pooled with those from other eligible Chase cards, such as the Chase Sapphire Preferred® Card, Chase Sapphire Reserve® and Ink Business Preferred® Credit Card. More on this here.
Norwegian Cruise Line Card 20,000 Bonus Points Offer
Take advantage of the Norwegian Cruise Line card’s 20,000 bonus WorldPoints offer. That’s a $200 value. It’s a low value bonus offer, but it doesn’t take much to qualify. All you have to do is make 1 transaction within the first 90 days of opening your account.
What Are WorldPoints Worth?
Like many other cruise-branded credit cards, your points’ worth depends on how you use them. On average, 1 WorldPoint is worth $0.01. Using this figure, 20,000 points have an approximate $200 value.
You can use your WorldPoints towards:
- Norwegian Cruise Line travel
- Other travel (airfare, hotels, rental cars)
- Cash back (statement credits, check, BoA and Merrill Lynch account deposits)
- Gift cards
You’ll get the most value for your WorldPoints if you use them for travel ($0.01/point). Followed by cash back ($0.008/point), then gift cards ($0.0075/point).
Norwegian Cruise Line Card Top Features
This is the only cruise card that allows enrollment with the Bank of America Preferred Rewards program. Get an additional 25% to 75% rewards bonus on every purchase you make.
Eligibility for the program requires certain minimum balances across qualifying BoA accounts. Eligible accounts include BoA business accounts, and Merrill Edge and Merrill Lynch investment accounts.
| Membership Tier | Minimum Balance Across Accounts | Rewards Bonus | Norwegian Cruise Line Rewards Rate | Rewards Rate for Everything Else |
| Not a member | None | 0% | 3X | 1x |
| Gold | $20,000 | 25% | 3.25X | 1.25X |
| Platinum | $50,000 | 50% | 3.5X | 1.5X |
| Platinum Honors | $100,000 | 75% | 3.75X | 1.75X |
*Preferred Rewards bonuses apply only to base points earned on purchases. Norwegian Cruise Line spending earns 1 base point and 2 bonus points to equal the stated 3 points per dollar spent. Example: Gold level receives 25% bonus rewards on 1 base points = 0.25 bonus. That’s 3.25 points per dollar on Norwegian purchases for Gold level.
The more you have deposited across your accounts, the better you’re rewarded.
Make purchases abroad without worrying about foreign transaction fees. It’s nice they included this benefit for such a simple rewards card.
Bottom Line
If you frequently cruise with Norwegian, it makes sense to consider the Norwegian Cruise Line World Mastercard. There’s no cost to carry the card. Plus, you’ll be earning triple points on cruise purchases.
But if you don’t regularly travel with Norwegian, this would be one of the last cards to consider just for its bonus offer. You’re better off with a general travel card. One that can offer a bigger welcome bonus and more rewards on everyday expenses.
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Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Disclaimer: These responses are not provided or commissioned by the bank advertiser, credit card issuer, hotel, airline or other entity. Responses have not been reviewed, approved or otherwise endorsed by any of the entities included within the post. It is not the bank advertiser's or any other entity's responsibility to ensure all posts and/or questions are answered.