11
Benefits2
Reward Categories2x
Max Reward—
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Norwegian Purchases | 2x | Points | Purchases made directly with Norwegian, such as flights and other travel services. | No Cap | |
| All Other Purchases | 1x | Points | All eligible purchases not categorized as Norwegian purchases. | No Cap |
Rewards Summary
PENDINGReward Type: CashPoints
Base Rate: 1x
Bonus Rate: 2x
Categories: Norwegian Air purchases
Quarterly Rotating: No
Expiration Policy: CashPoints expire 24 months after the month they were earned.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: CashPoints can be used to pay for the full or partial cost of Norwegian flights, excluding taxes, fees, and surcharges.
Benefits & Protections (Detailed) 11 Total
PENDINGPurchase Protection 2
Purchase Security
Protects eligible new purchases against damage or theft for a specified period from the date of purchase. Specific coverage details are outlined in the Guide to Benefits.
Extended Warranty Protection
Extends the original manufacturer's warranty on eligible items purchased with the card for an additional period. Specific coverage details are outlined in the Guide to Benefits.
Rewards 4
CashPoint Earning on Norwegian Purchases
1 CashPoint per $1Earn 1 CashPoint for every $1 spent on eligible Norwegian purchases, including flights, hotels, and car rentals booked through Norwegian.
CashPoint Earning on All Other Purchases
0.5 CashPoints per $1Earn 0.5 CashPoints for every $1 spent on all other eligible purchases made with the card.
Annual CashPoint Spend Bonus
10,000 CashPointsEarn an additional 10,000 CashPoints when you spend $20,000 or more on eligible purchases within an anniversary year.
Annual Statement Credit Spend Bonus
$100 statement creditEarn a $100 statement credit when you spend $10,000 or more on eligible purchases within an anniversary year.
Security 2
Zero Fraud Liability
No liability for unauthorized chargesCardmembers are not held responsible for unauthorized charges made with their card.
Identity Theft Resolution Services
Assistance servicesProvides assistance to cardmembers who become victims of identity theft, including help with credit bureau notification and replacement of lost documents.
Travel 1
No Foreign Transaction Fees
0% foreign transaction feeAvoid additional charges on purchases made outside the United States.
Travel Insurance 2
Travel Accident Insurance
Provides coverage for accidental death or dismemberment when traveling on a common carrier, provided the fare was purchased with the card. Specific coverage details are outlined in the Guide to Benefits.
Baggage Delay Insurance
Reimburses for the purchase of essential items when checked baggage is delayed for a specified period on a covered trip. Specific coverage details are outlined in the Guide to Benefits.
Benefits Summary (Flags)
PENDINGExtended 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
PENDING10,000
Points/MilesRequirement: Spend $1,000 in 90 days
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
No Additional Fees Available
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Interest Rates & APR
No Interest Rate Data Available
Click "Get Data" button below to fetch interest rate information.
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, the Norwegian Reward Credit Card from Synchrony is expected to maintain its core structure. Eligibility requirements typically include being a U.S. resident, at least 18 years of age, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and having a good to excellent credit score (generally FICO 670+). Applicants should not have been recently denied for a Synchrony card. The standard bonus rule is projected to be: Earn X bonus points after spending $Y within the first 3 months of account opening. These points are primarily redeemable for discounts on Norwegian Cruise Line bookings, onboard credit, or other NCL-related rewards. Specific bonus offers may vary annually. Synchrony may limit new accounts based on overall credit exposure, though they are generally more lenient on application velocity than other major issuers.
Max Cards Per Issuer: 3
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not typically enforce 'card family' rules or 'cliff effects' where holding one co-branded card impacts eligibility or benefits of another. Each card is generally evaluated independently.
Special Events: Promotional periods for booking Norwegian Cruise Line voyages, special onboard credit offers, or exclusive discounts for cardholders on NCL products/services. These events are typically tied to NCL's marketing calendar and may include early access to sales or enhanced reward earning rates on specific bookings.
Holiday Promos: Seasonal promotions for Norwegian Cruise Line bookings, often around major holidays (e.g., Black Friday, Cyber Monday, New Year's, summer travel season) offering enhanced rewards, discounts, or special perks for cardholders booking during these periods.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
No annual fee and no foreign transaction fees are great for occasional travelers. Good for earning CashPoints on Norwegian flights.
Top Negative:
Low rewards rate on general spending. Customer service can be difficult. Card was discontinued, leaving users without a clear path.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- Capital One VentureOne Rewards Credit Card
- Southwest Rapid Rewards Plus Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $570.00
Approval Probability: 0.0%
Version Control
PENDINGVersion ID: v1.0