Norwegian Cruise Line® World Mastercard®
Basic Information
Program ID: norwegian-cruise-line-world-mastercard
Issuer: Bank of America
Card Type: Credit
Network: Mastercard
Card Tier: World
Data Complete: Yes
Created: 01/15/2026 17:42
Last Scraped: 01/15/2026 17:44
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 3% of the amount of each 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% - 3,124.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 3,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 3,124.00%
Sign-Up Bonus
Bonus Amount: $20,000.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Bonus points are typically awarded within 8-12 weeks after you meet the spending requirement.
Rewards Program
Reward Type: NCL Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Norwegian Cruise Line Purchases, 2x Airline & Hotel Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: For 2026, applicants for the Norwegian Cruise Line World Mastercard are subject to Bank of America's established application rules, commonly known as the '2/3/4 Rule': generally, no more than 2 new credit cards approved in the past 2 months, 3 in the past 12 months, or 4 in the past 24 months across all Bank of America credit card products. Eligibility for the sign-up bonus (typically NCL points or onboard credit) is usually restricted to new cardholders who have not had this specific card product or received a bonus for it within the last 24 months. Standard eligibility requirements include having good to excellent credit, being at least 18 years old, and a US resident. The bonus typically requires meeting a specified minimum spend threshold within the first 3-6 months of account opening.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3-6 months
Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, payment of non-eligible bills for points), high cumulative credit limit across Bank of America accounts, rapid application for multiple credit products, defaulting on payments, suspicious transaction patterns, account inactivity, or violation of terms of service.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Excellent for frequent Norwegian Cruise Line travelers, offering valuable points for cruises, onboard credit, and discounts. No foreign transaction fees is a big plus for international travel.
Top Negative Feedback:
Reward rates outside of NCL and travel categories are standard, making it less ideal for everyday spending. Redemption options are primarily limited to Norwegian Cruise Line.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Bank of America® Travel Rewards credit card
- Bank of America® Premium Rewards® credit card
- Bank of America® Customized Cash Rewards credit card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $280.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 70% General / 30% Co-brand
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: February 2024