Norwegian Cruise Line® World Mastercard® review
In this Norwegian Cruise Line® World Mastercard® review you'll find out about this card's special discounts for NCL members, and more!
Enjoy 20,000 bonus points and no annual fee with your Norwegian Cruise Line® World Mastercard®
Looking for a credit card that rewards you for your love of cruising? Look no further than this Norwegian Cruise Line® World Mastercard® review.
- Credit Score: Good to Excellent (670-850)
- APR: 17.49% – 27.49% variable
- Annual Fee: $0
- Fees: $10 or 3% of the amount of each transaction, whichever is greater.
- Welcome bonus: 20,000 bonus WorldPoints after spending $1,000 in purchases within 90 days of opening your account.
- Rewards: 3x WorldPoints® for each $1 on Norwegian Cruise Line spending, 2x for qualified air and lodging expenses, and 1x for everything else.
The Norwegian Cruise Line® World Mastercard® is an ideal choice for frequent cruisers who enjoy exclusive benefits and rewards.
Keep reading and learn all you need to know about this incredible credit card.
Norwegian Cruise Line® World Mastercard®: how does it work?
The Norwegian Cruise Line World Mastercard offers frequent Norwegian cruisers the opportunity to earn rewards. You can redeem them for onboard credit or discounts on Norwegian cruises.
Cardholders can earn 20,000 bonus WorldPoints after spending $1,000 within 90 days of account opening. You can redeem it for a $200 onboard credit or $200 off a future cruise.
Furthermore, the card offers 3 WorldPoints for every $1 spent on Norwegian Cruise Line purchases. It also offers 2 WorldPoints for every $1 spent on eligible airline and hotel purchases.
Finally, it offers 1 WorldPoint for every $1 spent on all other purchases. The card also does not have an annual fee or foreign transaction fees. Plus, there is no expiration date for rewards earned.
Further, the card is ideal for individuals with a credit score of 670-850 and a good-excellent credit rating.
Its regular APR is 17.49%-27.49% variable. Also, there is a balance transfer fee of either $10 or 3% of the amount of each transaction, whichever is greater. However, the card does not charge a foreign transaction fee.
As usual, there are pros and cons to this card. The pros include the bonus after $1,000 in purchases and the ability to redeem rewards for Norwegian cruise benefits.
However, the card has a high penalty APR that applies indefinitely, which could become costly if you carry a balance.
Additionally, points expire after five years. This period may not be sufficient time to accumulate the number of points you need for a full cruise fare redemption.
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Significant benefits and disadvantages you may find
So here is the high point of our Norwegian Cruise Line® World Mastercard® review: the comparison between the card’s pros and cons.
Have a look at the list of benefits and disadvantages below.
- High rewards on NCL purchases
- No foreign transaction fees
- Free onboard credits for NCL
- Special discounts for NCL members
- Limited airline and hotel rewards
- High APR for balance transfers
- No intro APR for purchases
Is a good credit score required for applicants?
Yes, the Norwegian Cruise Line® World Mastercard® requires applicants to have a credit score between 670 and 850. This generally falls within the categories of Good to Excellent credit.
Learn how to apply and get a Norwegian Cruise Line® World Mastercard®
Looking to get your hands on the Norwegian Cruise Line® World Mastercard®? Our easy application guide can help – click the link below.
About the author / Danilo Pereira
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