Norwegian Cruise Line® World Mastercard®
See the offer on Bank of America’s site ↗ Run your own numbers
Source: Bank of America card page · checked October 23, 2026. *Value uses our sample profile ($31,100/yr spend, no favorite airline or hotel) and the issuer’s stated value of 1.0¢ per point (no published valuations exist) — see method.
Credits & perks
No statement credits are listed on the issuer page.
Perks with no stated $ value
Lounges, status, bags and similar. We don’t put a number on these unless the issuer does.
- other No foreign transaction fees
Source: Bank of America card page and benefit terms · checked 2026-10-23.
How it earns
- 3x Norwegian (NCL) only Cruises (booked with the cruise line)
- 2x Flights (booked with the airline), Hotels (booked with the hotel)
- 1x everything else
- 3x on Norwegian purchases (counted when your main cruise line is Norwegian).
- 2x on eligible air and hotel purchases.
- Spend window is 90 days. WorldPoints redeem for stateroom upgrades, cruise discounts, onboard credit, car rentals, hotels, cash and gift cards.
Offer details
- 20,000 points after $1,000 in 3 months
Annual fee $0. Credits from the issuer page are in Credits & perks above.
Questions about the Norwegian Cruise Line World Mastercard
What is the Norwegian Cruise Line World Mastercard welcome bonus?
20,000 points after $1,000 in 3 months, about $200 at the median published point value, per Bank of America’s card page checked October 23, 2026.
What is the Norwegian Cruise Line World Mastercard annual fee?
$0, as listed on Bank of America’s page on October 23, 2026.
How much are its points worth?
About 1.0¢ each: the issuer’s stated redemption value (Bank of America: 20,000 points “can be redeemed for $200 off your next Norwegian cruise”); no published valuations exist, checked October 23, 2026. Points only go this far on the issuer’s own redemptions.
What credits does the Norwegian Cruise Line World Mastercard include?
Bank of America’s page lists no statement credits for this card.
Is the Norwegian Cruise Line World Mastercard worth it?
It depends on your spending. At our sample profile ($31,100 a year, easy credits only) it comes to $546 in the first year and $346 each year after (Year 2+ value, after the annual fee). Enter your own numbers in the calculator.
- ncl.com advertises a different “limited-time online offer” of 30,000 points after $1,500 that has to be applied for on ncl.com. Bank of America’s own card page shows 20,000 points after $1,000, which is what we use.
The math at our sample profile
Sample: Dining & takeout $4,800 · Groceries $7,200 · Gas & EV charging $2,400 · Flights (booked with the airline) $2,000 · Hotels (booked with the hotel) $1,500 · Other travel $1,200 · Everything else $12,000. Credits: our default “easy” ticks.
| Welcome bonus: 20,000 points × 1.0¢ | $200 |
|---|---|
| A year of earning: 34,600 points × 1.0¢ | $346 |
| Annual fee | −$0 |
| First year / Year 2+ | $546 / $346 |
Verify everything on the issuer’s site before applying; offers change and may differ for you. We don’t list APRs: see the issuer’s pricing & terms. TravelCardMath earns nothing from this card today.