Norwegian Cruise Line® World Mastercard®

Bank of America Mastercard World Mastercard Pending

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14

Benefits

3

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: norwegian-cruise-line-world-mastercard

Issuer: Bank of America

Card Name: Norwegian Cruise Line® World Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier: World Mastercard

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 17:42

Last Scraped: Feb 13, 2026 07:51

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
Norwegian Cruise Line Purchases 3x Points Purchases made directly with Norwegian Cruise Line, including cruises, onboard purchases, and pre-cruise purchases. No Cap
Airline and Hotel Purchases 2x Points Purchases made directly with eligible airlines and hotels. No Cap
All Other Purchases 1x Points All other eligible purchases. No Cap
Rewards Summary
PENDING

Reward Type: NCL Points

Base Rate: 1x

Bonus Rate: 3x

Categories: 3x Norwegian Cruise Line purchases

Quarterly Rotating: No

Expiration Policy: Points do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum redemption of 2,500 points for $25 Onboard Credit.

Benefits & Protections (Detailed) 14 Total
PENDING
Financial 1
No Annual Fee
$0

The credit card has no annual fee.

Lifestyle 1
Mastercard Concierge Service
24/7 service

Provides personalized assistance for travel planning, dining reservations, event tickets, and more.

Purchase Protection 2
Extended Warranty Protection
Up to 1 additional year

Doubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases when purchased with the card.

Purchase Protection
Varies by claim

Reimburses cardholders for eligible items that are stolen or damaged within a certain period (e.g., 90 days) of purchase when purchased with the card.

Rewards 4
NCL Purchases Bonus Points
3 points per $1

Earn 3 points for every $1 spent on Norwegian Cruise Line purchases.

Airline and Hotel Purchases Bonus Points
2 points per $1

Earn 2 points for every $1 spent on eligible airline and hotel purchases.

Standard Purchases Points
1 point per $1

Earn 1 point for every $1 spent on all other purchases.

Welcome Bonus Points
20,000 points

Earn 20,000 bonus points after making at least $1,000 in purchases in the first 90 days of account opening.

Security 2
Mastercard ID Theft Protection
Varies by service

Provides identity theft resolution services, including monitoring for suspicious activity and assistance with identity restoration.

Zero Liability Protection
Full protection

Protects cardholders from unauthorized purchases made with their card. Cardholders are not held responsible for fraudulent charges.

Travel 2
Onboard Credit for Cruise Booking
$50 per booking

Receive a $50 onboard credit when you use your Norwegian Cruise Line World Mastercard to book your cruise.

Mastercard Global Service
24/7 assistance

Provides emergency assistance services anytime, anywhere, including lost and stolen card reporting, emergency card replacement, and emergency cash advance.

Travel Insurance 2
Car Rental Collision Damage Waiver
Secondary coverage

Provides secondary coverage for damage due to collision or theft of a rental vehicle when the eligible rental is paid for with the card and the rental company's collision damage waiver is declined.

Travel Accident Insurance
Varies by policy

Provides coverage for accidental death or dismemberment when traveling on a common carrier and the fare was paid for with the eligible card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

20,000

Points/Miles

Requirement: Spend $1,000 in 90 days

Timing: Bonus points will be awarded within 8-12 weeks after you qualify for the bonus.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $1.50
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: Either $10 or 3% of the amount of each balance transfer, whichever is greater.
Cash Advance: Either $10 or 3% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 31.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 31.24%

Intro APR Offers

Intro Purchase APR: 0% for 15 months

Intro BT APR: 0% for 15 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Supported
Application Process
Available
Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: For 2026, eligibility for the Norwegian Cruise Line World Mastercard from Bank of America requires applicants to have good to excellent credit (typically a FICO score of 670+), be 18 years or older, and possess a valid US address. Applicants are subject to Bank of America's '2/3/4 Rule': generally, you will not be approved for a new Bank of America credit card if you have opened 2 or more new credit cards with Bank of America in the past 2 months, 3 or more in the past 12 months, or 4 or more in the past 24 months. This rule applies across all Bank of America credit card products. The typical sign-up bonus for this card in 2026 is expected to be around 20,000-30,000 bonus NCL Points (redeemable for onboard credit or other NCL rewards) after spending $1,000-$2,000 on purchases within the first 90 days of account opening.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card churning, payment cycling), high cumulative credit limit across all Bank of America accounts, rapid application for multiple credit products (especially exceeding the 2/3/4 rule), suspicious or fraudulent transaction patterns, defaulting on other Bank of America accounts, extended periods of inactivity on the card, or significant changes in credit profile.

Cliff Effect Rules: The primary 'cliff effect' for Bank of America is its overarching '2/3/4' application rule, which limits the number of new credit cards an individual can obtain within specific timeframes across all BoA products. There are no specific 'family' rules preventing you from getting this NCL card if you already hold another NCL co-branded card (as there is typically only one version), but the general BoA application limits will apply.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Excellent for frequent Norwegian cruisers, offering 3X points on NCL purchases and a valuable sign-up bonus. No annual fee makes it an easy choice for brand loyalists, and points can be redeemed for cruise discounts and onboard credit.

Top Negative:
Rewards are highly specific to Norwegian Cruise Line, limiting flexibility for those who cruise with multiple lines or prefer cash back. General spending earns only 1X point, making it less competitive for everyday use outside of travel categories.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Bank of America® Travel Rewards credit card
  • Bank of America® Customized Cash Rewards credit card
  • Alaska Airlines Visa Signature® credit card

Card Value Score: 70.0 / 100

Est. Annual Rewards: $230.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: February 2024