Norwegian Cruise Line (NCL) Mastercard Calculator

Card Details & WorldPoints Calculator
3X Norwegian Purchases
Bank of America Preferred Rewards Client Bonus

The Norwegian Cruise Line Mastercard, commonly referred to as the NCL Mastercard, earns a solid return of WorldPoints per $1 spent, but fails to provide any real perks specific to Norwegian. Similar to other co-branded cruise line cards, there's no priority boarding, assistance in gaining status, or discounts of any nature. The NCL card is strictly meant for building up your WorldPoints balance, but even then, other reward cards can give the card a run for its money. The best benefit of the NCL Mastercard is the 10,000 bonus points earned from the sign up bonus.

Bonus Categories

The NCL Mastercard features one bonus category that earns extra WorldPoints which is Norwegian Cruise Line purchases. There is no limit to the amount of WorldPoints you can earn running spend through this card.

  • 3x Norwegian
    • Eligible transactions must contain either "Norwegian Cruise Line" or the name of a Norwegian Cruise Line vessel.
  • 1x Non-Category

Perks & Benefits

You can earn bonus Norweigan Worldpoints with the Bank of America Preferred Rewards Program.

  • Bank of America Preferred Rewards Client
    • Earn a 25% to 75% bonus based on your 3-month average in combined balances between your Bank of America banking and/or Merrill Edge® and Merrill Lynch® investing and trading accounts.
    • Bonus is based off of the earning rates, so a 75% boost to the 3% category would knock it up to 5.25% cash back.
    • Does not stack with the 10% Customer Bonus.
Preferred Rewards Client Bonuses
Tier Balance Requirement Bonus
Gold $20k to <$50k 25% Bonus
Platinum $50k to <$100k 50% Bonus
Platinum Honors $100k+ 75% Bonus

Sign Up Bonus (SUB)

The standard sign up bonus for the NCL Mastercard is 20,000 Bonus WorldPoints reward points when you make your first purchases within 90 days of account opening. 20,000 WorldPoints can be worth as much as $200 off your next cruise. Cardholders can start redeeming rewards at 2,500 WorldPoints ($25).


Annual Fee

The NCL Mastercard does not have an annual fee.

Authorized User Fee

There is no fee to add authorized users to the NCL Mastercard. There's not much value to adding anyone unless you have friends or family that consistently purchases Norwegian Cruise Line tickets.

Foreign Transaction Fee

The foreign transaction fee for the NCL Mastercard is 3% meaning you will lose the 3% return for any purchases made internationally.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
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Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
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Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
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Annual Fee
Auth User Fee
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Annual Fee
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Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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