Bank of America · Mastercard World · Personal
Norwegian Cruise Line
A no-annual-fee card earning Norwegian WorldPoints: 3× on Cruises (Portal), 1× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- 20,000 ≈ $200 in travel (our estimate)*
- Top rate
- 3×Cruises (Portal)
- Point value
- 1¢ In travel · 1¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 20,000 points · spend $1,000 on purchases within the first 90 days of account opening | $200 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $200 | $0 |
The bonus needs $1,000 on purchases within the first 90 days of account opening.
Earning structure
4 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Cruises (Portal) Notes3 points per $1 spent on Norwegian Cruise Line purchases (e.g., cruises, onboard spending, excursions booked through NCL). | 3× | $3.00 | |
Airfare Notes2 points per $1 spent on eligible air and hotel purchases (must be booked directly with airlines or hotels; excludes third-party sites). | 2× | $2.00 | |
Hotels Notes2 points per $1 spent on eligible air and hotel purchases (must be booked directly with airlines or hotels; excludes third-party sites). | 2× | $2.00 | |
| All Other | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Mastercard World
- Bank
- Bank of America
- Point system
- Norwegian WorldPoints
- Travel value (our estimate)*
- 1¢ per point
- Cash value (our estimate)*
- 1¢ per point
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- Yes
- Cash to travel
- No
Benefits1 · 0 high value
- Credits & Discounts Complimentary ShopRunner Membership
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Norwegian Cruise Line |  Royal Caribbean Group Royal ONE |  Royal Caribbean Group Royal ONE Plus |  Carnival | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $99+$99 | $0Same |
| Signup bonus | 20,000 pts | 30,000 pts | 60,000 pts | 30,000 pts |
| Top rate | 3×Cruises (Portal) | 3×Cruises (Portal) | 4×Cruises (Portal) | 2×Cruises (Portal) |
| Travel value * | 1¢Norwegian WorldPoints | 1¢Royal Caribbean MyCruise | 1¢Royal Caribbean MyCruise | 1¢Carnival FunPoints |
| Why it’s here | This card | Also no annual fee | An annual fee within $100 | Also no annual fee, with transferable points |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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