Norwegian Cruise Line® World Mastercard®
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How we calculate effective rate →
The Norwegian Cruise Line® World Mastercard® from Bank of America earns up to 1.2% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Get 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening – which can be redeemed for a $200 off your next Norwegian cruise.
- Top category
- Dining
- Effective value
- 1.2%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1x points. The welcome bonus can help if you can meet the spend requirement.
What does the Norwegian Cruise Line World Mastercard earn in each category?
Dining is the strongest category at 1.2% effective value (1x points at about 1.2 cents each). That dining rate ranks higher than about 33% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Norwegian Cruise Line World Mastercard compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.2% effective value (1x points at about 1.2 cents each). That dining rate ranks higher than about 33% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Norwegian Cruise Line World Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1.2% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 1.2% |
| Gas Gas stations and fuel | 1x points | 1.2% |
| Travel Flights, hotels, transit | 1x points | 1.2% |
| Other General everyday spend | 1x points | 1.2% |
Madeen values Norwegian Cruise Line at about 1.2 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Norwegian Cruise Line World Mastercard?
The Norwegian Cruise Line World Mastercard fits spenders who put meaningful volume in dining and can earn 1x points. Best for spenders who put meaningful volume in dining and can earn 1x points. The welcome bonus can help if you can meet the spend requirement.
Norwegian Cruise Line World Mastercard fits spenders who put meaningful volume in dining and can earn 1x points. Madeen ranks its dining effective rate higher than about 33% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1x points. The welcome bonus can help if you can meet the spend requirement.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1.2% effective (1x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Norwegian Cruise Line value depends on how you redeem, not straight cash back.
What is the Norwegian Cruise Line World Mastercard welcome bonus?
In Madeen's catalog snapshot, the Norwegian Cruise Line World Mastercard welcome offer is Get 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening – which can be redeemed for a $200 off your next Norwegian cruise. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
- Offer
- 20k Norwegian Cruise Line (~$240 estimated)
- Terms (catalog snapshot)
- Get 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening – which can be redeemed for a $200 off your next Norwegian cruise
- Minimum spend
- $1,000
- Window
- 90Days
Does the Norwegian Cruise Line World Mastercard have an annual fee?
The Norwegian Cruise Line World Mastercard has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Norwegian Cruise Line World Mastercard?
The Norwegian Cruise Line World Mastercard includes FICO® Score, Global emergency services, HealthLock in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
FICO® Score
$25/yrNow, when you opt-in you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard Golf
$10/yrGet exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
$10/yrMastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Mastercard Travel
$10/yrBrowse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Priceless Experiences
$10/yrEnjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
Protection wherever you shop
$10/yrWith Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Related encyclopedia topics
Common questions about the Norwegian Cruise Line World Mastercard
Is the Norwegian Cruise Line credit card worth it?
The Norwegian Cruise Line® World Mastercard® from Bank of America earns up to 1.2% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Get 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening – which can be redeemed for a $200 off.
What do 30,000 points get you on NCL?
Dining is the strongest Madeen category for the Norwegian Cruise Line World Mastercard at about 1.2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Norwegian Cruise Line World Mastercard have an annual fee?
The Norwegian Cruise Line World Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Norwegian Cruise Line World Mastercard?
Dining is the strongest Madeen category for the Norwegian Cruise Line World Mastercard at about 1.2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Norwegian Cruise Line World Mastercard charge foreign transaction fees?
The Norwegian Cruise Line World Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Norwegian Cruise Line World Mastercard welcome bonus?
The Norwegian Cruise Line World Mastercard welcome offer in our snapshot: Get 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening – which can be redeemed for a $200 off your next Norwegian cruise. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
How does the Norwegian Cruise Line World Mastercard compare to similar cards?
Compare the Norwegian Cruise Line World Mastercard against AMSA Customized Cash Rewards Card (3% on Dining, $0 fee); Bank of America Customized Cash Rewards (3% on Dining, $0 fee); Bank of America Customized Cash Rewards for Students (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Norwegian Cruise Line World Mastercard This card | Dining | 1.2% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Bank of America and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Bank of America. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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