20
Benefits2
Reward Categories2x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: norwegian-reward-world-mastercard
Issuer: Synchrony
Card Name: Norwegian Reward World Mastercard®
Card Type: Credit
Network: Mastercard
Card Tier: World
Approved: Pending
Data Complete: Complete
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Norwegian Purchases | 2x | Cash Back | Purchases made directly with Norwegian, including flights, hotels, and car rentals booked through Norwegian. | No Cap | |
| All Other Purchases | 1x | Cash Back | All other eligible purchases made with the card. | No Cap |
Rewards Summary
PENDINGReward Type: CashPoints
Base Rate: 1x
Bonus Rate: 3x
Categories: 3x Norwegian flights and Norwegian Holiday purchases, 2x eligible restaurant and grocery store purchases
Quarterly Rotating: No
Expiration Policy: CashPoints are valid for 24 months from the end of the year in which they were earned.
Point Value: 0.1¢
Travel Portal Multiplier: 1x
Redemption Penalties: CashPoints can be used to pay for flights and other products on Norwegian.com. Cannot be used to pay for taxes, fees, or surcharges.
Benefits & Protections (Detailed) 20 Total
PENDINGLifestyle 1
Mastercard Concierge Services
Personalized assistanceProvides 24/7 personalized assistance for travel planning, dinner reservations, event tickets, and more.
Purchase Protection 3
Cell Phone Protection
Up to $600 per claimReimburses eligible cardholders for damage to or theft of a cell phone when the monthly cell phone bill is paid with the card. Typically covers up to $600 per claim, with a maximum of 2 claims per 12-month period and a $50 deductible.
Purchase Assurance
Up to $1,000 per claimCovers eligible new purchases against damage or theft for a specified period (e.g., 90-120 days) from the date of purchase.
Extended Warranty
Up to $10,000 per claimExtends the original manufacturer's or store brand warranty for eligible items purchased with the card, typically by an additional year on warranties of one year or less.
Rewards 7
Welcome Bonus Points
20,000 Norwegian Reward PointsEarn 20,000 Norwegian Reward Points after you make $1,000 in purchases within the first 90 days of account opening.
Accelerated Rewards on Norwegian Purchases
2X Points per $1Earn 2 Norwegian Reward Points for every $1 spent on Norwegian purchases.
Standard Rewards on All Other Purchases
1X Point per $1Earn 1 Norwegian Reward Point for every $1 spent on all other purchases.
Annual Spend Bonus Points (Tier 1)
10,000 Norwegian Reward PointsEarn 10,000 Norwegian Reward Points when you spend $20,000 or more in purchases annually.
Annual Spend Bonus Points (Tier 2)
Additional 10,000 Norwegian Reward PointsEarn an additional 10,000 Norwegian Reward Points (for a total of 20,000) when you spend $30,000 or more in purchases annually.
Annual Spend Statement Credit (Tier 1)
$100 Statement CreditReceive a $100 statement credit after you spend $20,000 or more in purchases annually.
Annual Spend Statement Credit (Tier 2)
Additional $100 Statement CreditReceive an additional $100 statement credit (for a total of $200) after you spend $30,000 or more in purchases annually.
Security 1
Mastercard ID Theft Protection™
Comprehensive protectionProvides services to help detect and resolve identity theft, including monitoring, alerts, and resolution services.
Travel 3
No Foreign Transaction Fees
0% Foreign Transaction FeesAvoid fees on purchases made outside the United States.
Priority Boarding
Expedited boardingEnjoy priority boarding on Norwegian flights when you use your card to purchase the flight.
Free Checked Bag
One free checked bagReceive one free checked bag on Norwegian flights when you use your card to purchase the flight.
Travel Insurance 5
Travel Accident Insurance
Varies by policyProvides coverage for accidental death or dismemberment while traveling on a common carrier when the fare is purchased with the card.
Trip Cancellation/Interruption Insurance
Varies by policyReimburses non-refundable passenger fares if a trip is cancelled or interrupted for covered reasons (e.g., illness, severe weather) when the trip is purchased with the card.
Baggage Delay Insurance
Up to $100-$300 per dayReimburses for the purchase of essential items (e.g., toiletries, clothing) when checked baggage is delayed by a common carrier for a specified period (e.g., 6 hours) when the fare is purchased with the card.
Lost Luggage Insurance
Up to $3,000 per passengerReimburses for the value of lost or stolen checked or carry-on luggage and its contents when the fare is purchased with the card.
Car Rental Collision Damage Waiver
Coverage for damage/theftProvides secondary coverage for physical damage and theft of most rental vehicles when the entire rental is paid for with the card and the rental company's collision damage waiver is declined.
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 |
| 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 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 & APR
PENDINGStandard APR
Purchase APR: 21.24% - 31.24%
Balance Transfer APR: 21.24%
Cash Advance APR: 31.24%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, the Norwegian Reward World Mastercard is projected to continue offering a sign-up bonus in Norwegian CashPoints after meeting a specified spending threshold within the initial 3 months of account opening. Ongoing rewards are expected to include accelerated CashPoints on Norwegian Air purchases, dining, and groceries, with 1x on all other eligible purchases. Eligibility requirements for application include being a U.S. resident with a valid Social Security Number and possessing good to excellent credit (generally FICO score 670+). Approval is subject to Synchrony Bank's comprehensive underwriting criteria, which considers credit history, income, and existing credit relationships with Synchrony. Synchrony may be sensitive to recent applications or high existing credit limits with them.
Max Cards Per Issuer: 7
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not have a strict 'cliff effect' or card family rules like some other major issuers. Each card application is generally evaluated independently. However, the total credit extended by Synchrony across all accounts is a significant factor, and new approvals or credit limit increases may be denied if the applicant is near their internal maximum cumulative credit limit with Synchrony.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
Excellent for frequent Norwegian flyers, offering valuable benefits like free checked bags, priority boarding, and annual bonus points. No foreign transaction fees is a significant advantage for international travel.
Top Negative:
The $99 annual fee can be high for those who don't fly Norwegian frequently, limiting the card's overall value. Some users report inconsistent customer service experiences with Synchrony Bank, and the APR is relatively high.
Approval Experience: 75.0 / 100
Recommended Alternatives
- United Explorer Card
- American Airlines AAdvantage MileUp Card
- Capital One VentureOne Rewards Credit Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $181.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0
Last Updated: May 01, 2024 00:00