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This welcome bonus is in line with what you can generally expect on a no-annual-fee card that requires $1,000 or less in spending. However, you can normally get a much better value from the welcome bonus on most general travel credit cards, especially if you’re willing to pay an annual fee of around $100. Spending on the Norwegian Cruise Line® World Mastercard® won’t earn you Latitude Rewards points (the only way to do that is by sailing with NCL), but it will earn you WorldPoints. This currency can be redeemed for onboard credits on future sailings, Norwegian Cruise Line shore excursions and other travel experiences. The card has no annual fee and no foreign transaction fees, making it ideal for world travelers. Those protections can come in handy when you're facing travel troubles, although you can buy stand-alone insurance policies if you don't have a credit card that provides them.
Cobranded Cards
If you're looking for a romantic vacation, perhaps you'll want a smaller ship or a cabin in The Haven, which is a hotel-within-a-hotel concept with more personalized service. The Haven is only available on select Norwegian ships, including Encore, Viva and Prima. If you’re scrolling through endless Norwegian Cruise Line reviews, let this complete guide to the cruise company give you the larger overview of what sets this brand apart from the rest. There are some interesting innovations from Norwegian that other cruise lines have since adopted, but they started here.
WorldPoints® Rewards Card
A co-branded cruise card is a good idea when you are a frequent traveler on a specific cruise line and you get value out of the perks offered by credit card. Some cruise cards offer special events onboard or discounts for cardholders, while others only offer a small bonus on your cruise purchases. That said, a more general travel rewards credit card will usually be a better fit than one tied to a specific cruise line. The major co-branded cruise credit cards are on the Mastercard or Visa networks, which means you can use them anywhere Mastercard and Visa are accepted. The cards earn rewards that can be redeemed on the cruise line, generally as credit towards a cruise purchase or onboard for your incidentals. The downside of co-branded cruise cards is that award redemptions generally are tied to a single cruise line.
Why you should get your cruise cabin serviced in the evening instead of the morning
For more details, please see our full review of the Bank of America Premium Rewards credit card. But the issuer will also look at your income, debts, and payment history when determining your eligibility for a new account. To have a better idea of your approval odds, check your score by using our free credit score tool. The convenience of pre-paying the service charges allows you to plan your budget prior to your cruise giving you additional freedom while on board.
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We have structured a guest satisfaction program designed to handle any concerns about service or on-board product quickly and efficiently. However, in the event a service issue should arise during your cruise please let our on-board guest services desk staff know right away, so that we can address these in a timely manner. It is our goal to reach a satisfactory solution to any issue when it happens and make sure our guests can focus on enjoying their cruise.
What credit score is needed for the Norwegian Cruise Line Credit Card?
For rates and fees of the American Express Green Card please click here.For rates and fees of the Platinum Card from American Express please click here. For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply. Click here for Capital One Venture Rewards Credit Card rates and fees. Norwegian Cruise Line credit card points expire five years from the month in which they are earned, regardless of activity.
Currently, free cruise redemptions start at 80,000 points for an inside cabin on a three- or four-night Bahamas cruise for two people. Redemption of points includes all applicable government taxes, port charges and fees. However, if your goal is to get a free cruise by signing up for the NCL credit card, it will cost a lot of money.
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That said, a travel card like the Chase Sapphire Preferred® Card that earns flexible rewards on travel with a low annual fee and a strong combination of features is likely to appeal to many cruising for a new card. For instance, a card that might be considered mediocre overall could be the top card on a list of rewards cards with no annual fee. That’s because the card might offer limited features compared to other rewards cards, but after we remove cards that charge an annual fee, it’s the best card that remains. Charge gaming to your onboard account directly from your game of choice or at the casino cashier, using your stateroom key card. Euros may be exchanged at the casino cashier, exchange rates apply. Calculate how many WorldPoints you can earn with the Norwegian Cruise Line Mastercard based on spend and the cash value of those points.
WORLDPOINTS® REWARDS
For your convenience, all shipboard expenses are charged to your Onboard account. Sign up when you check in, establishing your method of payment with Visa, MasterCard, American Express, Discover, JCB Card, Diner's Club. You may also use your debit card however please be advised that we obtain pre-authorization, as we do for all Credit Cards, and some banks hold these funds for up to 30 days. The maximum initial pre-authorization amount for all credit and debit cards is $300. Cash can also be used as a method of payment to settle your account with an initial deposit paid in advance. Free cruise redemptions are offered at a flat rate (rather than a dollar to points conversion).
In the right hands, the classic status card’s staggering annual fee is well justified. In other words, if your choice of credit cards is based strictly on bottom-line considerations, the value of a cruise card is readily trumped by that of other types of cards. And if you're a Bank of America Preferred Rewards® member, you'll earn an additional 25%-75% rewards bonus on every purchase — giving you an even greater return on your cruise spending.
If you intend to use your card for all of your day-to-day purchases and pay off the balance each month, you will likely be able to accrue enough points for a free cruise every couple of years. Perhaps surprisingly, the best credit cards for booking cruises are usually not cobranded cards. However, frequent cruise travelers may be better off signing up for a general travel card to earn a big welcome bonus, or using a card that offers more points per dollar for everyday spending. For additional options, see our lists of the best credit cards with cash back and general travel rewards. Earn 3 points for every qualifying dollar you spend with NCL; 2 points per $1 spent on eligible air and hotel purchases and 1 point for every dollar you spend on all other purchases. Other co-branded cruise line credit cards — for, say, Princess Cruises and Holland America — also feature rewards flexibility, but their redemption rules and values are tiered and complex.
For additional options, see our lists of the best cash-back and general travel rewards credit cards. Always dreaming about the next destination, credit cards specialist Barbara King is an avid traveler who optimizes her adventures through the use of points and miles. Barbara has earned and redeemed millions of credit cards points which has enabled her to explore over 50 countries on six continents, enjoying both budget and luxury travel.
In addition, WalletHub independently collected information for some of the cards on this page. To this end, this card isn’t the best option for financing your entire cruise vacation or for carrying a balance from month to month. If you can't pay off your entire balance each month, a credit card with a 0% intro APR will likely be a better choice. Cardholders won’t have to pay an annual fee or a foreign transaction fee. Free cruise redemptions are offered at a flat rate (rather than a dollars-to-points conversion). Currently, free cruise redemptions begin at 80,000 points for an inside cabin on a three- or four-night Bahamas cruise for two.
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