You may get a $200 onboard credit or a $200 discount on your next Norwegian trip if you redeem your bonus points. Additionally, receive three WorldPoints® points for every dollar spent on purchases made with Norwegian Cruise Line, including cruise ticket costs. You will get two WorldPoints® points for every dollar spent on qualifying hotel and airline purchases. Gain one WorldPoints® point for every dollar spent on anything else, regardless of the category. It does not have any fees associated with yearly use or international transactions.

Pros

Bonus After $1,000 in Purchases:

After creating an account, if you spend $1,000 in total during the first three months, you'll be eligible for a bonus of 20,000 WorldPoints. You may get a $200 onboard credit or a $200 discount on your next Norwegian trip if you redeem your bonus points. The minimum spending requirement for this card is not nearly as high as other cards. Having said that, the benefit is not nearly as substantial as other cards offer.

Redeem Rewards:

When you book a trip with Norwegian, you may exchange your WorldPoints for cruise perks beginning at 2,500 points for $25 in credit. You may also use your credits to upgrade your cabin, get money off a cruise, receive a free cruise for two, have extra guests stay in your stateroom, and choose choices that do not include cruising. If you take many cruises each year, the cruise-related possibilities may make it possible for you to reduce the cost of your next holiday.

Cons

High Penalty APR

If you are late with a payment, an annual percentage rate (APR) penalty that may go up to 29.99% will be added to all your future purchases and will remain there permanently. If you have a habit of carrying a balance, you can find that this insurance is rather expensive. More rewards credit cards do not have any penalty APRs whatsoever.

Points Expire After Five Years

Your WorldPoints will become invalid five years after the month you earned them if you use this card to gain them. If you are trying to save up points for a full cruise price redemption, which requires a minimum of 80,000 WorldPoints, then it is possible that five years will not be enough time to amass the number of points required. There are a lot of alternative credit cards that provide rewards that don't go bad.

This Card is Best For

People who take a significant number of Norwegian cruises might benefit from having the Norwegian Cruise Line World Mastercard in their financial arsenal. You will be able to earn three WorldPoints® points for every dollar spent on purchases made with Norwegian Cruise Line, and this includes the cost of cruise tickets. You will get two WorldPoints® points for every dollar spent on qualifying hotel and airline purchases.

Mastercard's Bonus

By making transactions totaling $1,000 with this card during the first three months after activating your account, you will be eligible to get 20,000 bonus WorldPoints. You may get a $200 onboard credit or a $200 discount on your next Norwegian trip if you redeem your bonus points.

Rewards Earning Details

When qualifying purchases with your Norwegian Cruise Line World Mastercard, you will earn three WorldPoints for every dollar spent. Additionally, it earns 2 WorldPoints for every qualifying dollar spent on flight and hotel expenditures and then just 1 WorldPoint for every eligible dollar spent on any other transactions. After five years have passed since the month they were obtained, points become invalid. If your account is terminated, all points that have not been redeemed will be lost instantly.

Rewards Redemption Details

You may redeem the WorldPoints you earn for various cruise incentives, like cabin upgrades, money off of a trip, a free cruise for two, extra guests in your stateroom, or onboard credit. In addition to these options, you may redeem your WorldPoints for cash back, gift cards, or vacation.

Standard Benefits

• Exclusive redemption chances for last-minute cruises
• No costs for transactions with foreign countries

Cardholder Experience

In the J.D. Power 2021 U.S. Credit Card Satisfaction Study, Bank of America, the card issuer for the Norwegian Cruise Line World Mastercard, received a score slightly lower than the average and was rated fifth out of the 11 major card issuers. Through its mobile banking app or website, Bank of America gives customers access to a free FICO score that is updated monthly. Customer care is accessible 24/7 at 800-732-9194 if you have questions concerning your account.

Functional Safety Measures

The Norwegian Cruise Line World Mastercard is issued by Bank of America and has chip-and-PIN data encryption technology for further security. If you need to make purchases when traveling abroad at an unmanned terminal that only accepts transactions with a chip and PIN, this technology will come in handy for you. Other than that, the card's security measures are up to par with those typical in the industry.