22
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 Air Shuttle ASA, including flights, baggage, seat reservations, and other ancillary 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 on December 31st, three years after the year they were earned.
Point Value: 0.1¢
Travel Portal Multiplier: 1x
Redemption Penalties: CashPoints can only be redeemed for Norwegian Air flights and related services.
Benefits & Protections (Detailed) 22 Total
PENDINGFinancial 1
No Annual Fee
$0 annual feeThe card does not charge an annual fee for card membership.
Lifestyle 1
Visa Signature Concierge
24/7 serviceA complimentary 24/7 personal assistant service to help with travel arrangements, dinner reservations, event tickets, and more.
Purchase Protection 3
Extended Warranty Protection
Up to 1 additional year on eligible warrantiesExtends the manufacturer's warranty on eligible items purchased with your Visa Signature card by up to one additional year on eligible warranties of three years or less. Refer to your Guide to Benefits for specific limits and terms.
Purchase Security
Varies by policyProtects eligible purchases made with your Visa Signature card against theft or damage for a specified period (e.g., 90 days) from the date of purchase. Refer to your Guide to Benefits for specific limits and terms.
Return Protection
Varies by policyReimburses cardholders for eligible items they wish to return within a specified period (e.g., 90 days) from the date of purchase, when the merchant will not accept the return. Refer to your Guide to Benefits for specific limits and terms.
Rewards 2
CashPoints Earning Rate - Norwegian Purchases
2 CashPoints per $1 spentEarn CashPoints for every dollar spent on Norwegian Air purchases, including flights, baggage, and seat reservations.
CashPoints Earning Rate - All Other Purchases
1 CashPoint per $1 spentEarn CashPoints for every dollar spent on all other eligible purchases made with the card.
Shopping 1
Visa Signature Discounts
Varies by offerAccess to exclusive discounts and special offers from various merchants and partners.
Spending Bonus 2
Annual Spend Statement Credit
$100 statement creditReceive a statement credit after spending $20,000 or more on eligible purchases within a calendar year.
Annual Spend Reward Choice
Choice of Free Checked Bag, Priority Boarding, or Airport Lounge AccessAfter spending $20,000 or more on eligible purchases within a calendar year, choose one of the following rewards: a free checked bag, priority boarding, or airport lounge access.
Travel Assistance 1
Roadside Dispatch
Pay-per-use serviceA pay-per-use referral service that provides roadside assistance services like towing, tire changing, jump starting, lockout service, fuel delivery, and winching. Fees apply per service call. Refer to your Guide to Benefits for details.
Travel Benefits 1
Visa Signature Luxury Hotel Collection
Various hotel benefitsAccess to a collection of premium hotels with benefits like best available rate guarantee, automatic room upgrade (when available), complimentary in-room Wi-Fi, complimentary continental breakfast, $25 food or beverage credit, and late checkout (when available).
Travel Insurance 7
Travel Accident Insurance
Varies by policyProvides coverage for accidental death or dismemberment while traveling on a common carrier when tickets are purchased with your eligible Visa Signature card. Refer to your Guide to Benefits for specific limits and terms.
Auto Rental Collision Damage Waiver
Up to the actual cash value of most rental vehiclesProvides secondary coverage for damage due to collision or theft for most rental cars when the eligible rental car is paid for with your Visa Signature card and the rental company's collision damage waiver is declined. Refer to your Guide to Benefits for specific limits and terms.
Lost Luggage Reimbursement
Varies by policyReimburses cardholders for the replacement of lost or stolen checked or carry-on luggage and its contents when traveling on a common carrier. Refer to your Guide to Benefits for specific limits and terms.
Trip Delay Reimbursement
Varies by policyReimburses cardholders for reasonable additional expenses incurred when a covered trip is delayed for a specified period (e.g., 6 hours or more) due to a covered hazard. Refer to your Guide to Benefits for specific limits and terms.
Trip Cancellation/Interruption Insurance
Varies by policyReimburses non-refundable passenger fares if a trip is canceled or interrupted for covered reasons when purchased with your eligible Visa Signature card. Refer to your Guide to Benefits for specific limits and terms.
Emergency Medical/Dental Benefit
Varies by policyProvides coverage for emergency medical and dental expenses incurred while traveling outside of your home country. Refer to your Guide to Benefits for specific limits and terms.
Emergency Evacuation Benefit
Varies by policyProvides coverage for emergency medical evacuation expenses while traveling. Refer to your Guide to Benefits for specific limits and terms.
Travel Savings 1
No Foreign Transaction Fees
0% foreign transaction feeAvoid additional fees on purchases made outside the United States.
Welcome Bonus 2
First Purchase Statement Credit
$50 statement creditReceive a statement credit after making your first purchase with the Norwegian Reward Visa Card.
Initial Spend Statement Credit
$100 statement creditEarn an additional statement credit after spending $1,000 or more on eligible purchases within the first 90 days of account opening.
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 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $30.00 |
| 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 & APR
No Interest Rate Data Available
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Approval Criteria & Requirements
No Approval Criteria Available
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Issuer Rules & Policies
PENDINGRules: Eligibility for the Norwegian Reward Visa Card typically requires applicants to be a U.S. resident, at least 18 years of age, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a good to excellent credit score (generally FICO 670+). The standard sign-up bonus usually involves earning a specific amount of Norwegian Reward Points after spending a set dollar amount within the first 3 months of account opening. Application rules are subject to Synchrony's credit underwriting standards, which consider credit history, income, and existing credit relationships. 'Store-specific restrictions' refer to specific merchant category codes or Norwegian Reward program rules that may apply to bonus point accrual or redemption.
Max Cards Per Issuer: 6
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony generally does not impose 'card family' or 'cliff effect' rules for their co-branded cards. Eligibility for a sign-up bonus on one distinct co-branded card does not typically preclude eligibility for another distinct co-branded card bonus, provided all other application criteria are met.
Special Events: Promotional periods often align with Norwegian Reward program events, cruise booking seasons, or specific travel promotions offered by Norwegian Cruise Line or Norwegian Air. These may include enhanced point earnings for specific bookings or limited-time bonus offers.
Holiday Promos: Common holiday periods such as Black Friday, Cyber Monday, and end-of-year sales are typical times for Synchrony and its partners to offer enhanced sign-up bonuses or spending incentives.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
Excellent for frequent Norwegian Air travelers, offering strong rewards on airline purchases, a valuable sign-up bonus, and no foreign transaction fees.
Top Negative:
Rewards are highly specific to Norwegian Air, limiting flexibility for non-frequent flyers, and some users report challenges with Synchrony's customer service.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred
- United Explorer Card
- Capital One Venture Rewards Credit Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $220.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: 2024-03-15