Carnival World Mastercard®
Basic Information
Program ID: carnival-world-mastercard
Issuer: Barclays
Card Type: Credit
Network: Mastercard
Card Tier: World
Data Complete: Yes
Created: 01/07/2026 08:29
Last Scraped: 01/15/2026 06:27
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | Yes |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $20,000.00
Spending Requirement: $0.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: FunPoints
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Carnival Purchases (including Carnival Cruise Line, Carnival.com, onboard expenses)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is open and in good standing.
Transfer Partners: N/A (Co-branded card, points are specific to Carnival)
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: To be eligible for the Carnival World Mastercard in 2026, applicants must generally possess good to excellent credit (typically 700+ FICO score), be at least 18 years old, a U.S. resident, and have a valid SSN or ITIN. A primary application rule for Barclays is the '6/24 Rule,' meaning applicants are unlikely to be approved if they have opened more than 6 new credit card accounts across all issuers in the past 24 months. Additionally, Barclays typically restricts applicants from receiving a sign-up bonus for the same product if they have received one in the past 24 or 48 months (specific timeframe may vary). The typical bonus offer for this card in 2026 is projected to be around 20,000-30,000 points after spending $1,000-$2,000 in the first 3 months of account opening.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS), high cumulative credit limit across all Barclays products, excessive credit cycling, suspicious spending patterns inconsistent with normal consumer behavior, defaulting on other Barclays accounts, or a sudden significant increase in credit-seeking behavior (e.g., too many recent applications with Barclays).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
No annual fee, no foreign transaction fees, valuable bonus points for Carnival cruises, and good rewards on cruise-related spending and dining.
Top Negative Feedback:
Limited redemption options tied solely to Carnival, fixed point value, and occasional concerns about Barclays customer service.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Royal Caribbean Visa Signature Card
- Capital One VentureOne Rewards Credit Card
- Chase Freedom Flex
Card Value Score: 75.0 / 100
Est. Annual Rewards: $202.50
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 70% General / 30% Brand-Specific
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: February 2024