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Norwegian Cruise Line World Mastercard

Card Value & NCL Points Calculator
card
Fees
Earning Rates
  • Earn 3X WorldPoints on Norwegian purchases.
  • Earn 2X WorldPoints on air and hotel purchases.
  • Earn 1X WorldPoints on all other purchases.
Main Benefits
  • Earn up to 75% more points as a Bank of America Preferred Rewards member.
Rewards Details
Our Take
The Norwegian Cruise Line® World Mastercard®, commonly referred to as the NCL Mastercard, shines best if you're a BofA Preferred Rewards member in which you would earn up to 5.25X points on Norwegian purchases and up to 1.75X on everything else. Otherwise, there are better cards for building rewards towards free cruises.
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Earning Rewards

The Norwegian Cruise Line Mastercard earns WorldPoints at the following rates:

  • 3 WorldPoints points for every $1 spent on Norwegian purchases
  • 2 WorldPoints points per $1 spent on eligible air and hotel purchases
  • 1 WorldPoints point per $1 spent on all other purchases

Rewards Value

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Perks & Benefits

Here are the main benefits of the Norwegian Cruise Line Mastercard:

  • Bank of America Preferred Rewards: Bank of America Preferred Rewards® members earn 25% - 75% more points on every purchase, applied to the base earn of 1 point per $1.

Card Fees

Annual Fee

The Norwegian Cruise Line Mastercard has no annual fee.

Authorized User Fee

There is no fee to add authorized users to the Norwegian Cruise Line Mastercard.

Foreign Transaction Fee

The Norwegian Cruise Line Mastercard has no foreign transaction fees. This means you can use the card outside of the United States and not be penalized.

Norwegian WorldPoints Calculator

Calculate how many WorldPoints you can earn with the Norwegian Cruise Line Mastercard based on spend and the cash value of those points. Results can be compared side by side any U.S. credit cards featured on the site.

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