Norwegian Cruise Line World Mastercard
No annual fee · 1x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Travel | 3x | uncapped |
| Flights | 2x | uncapped |
| Hotels | 2x | uncapped |
| Everything else | 1x | uncapped |
See how it ranks: best travel cards · best flights cards · best hotels cards.
Non-cash perks
- Points redeemable for stateroom upgrades, onboard credit, cruise discounts, last-minute cruises, car rentals, hotel stays, cash, or gift cards
- Preferred Rewards/BofA Rewards members reportedly earn 25%-75% more points per purchase per NCL program materials (not independently re-confirmed against the specific 4-tier May 2026 BofA Rewards structure used elsewhere in this dataset)
- No annual fee, no foreign transaction fee
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
More from Bank of America
- Air France KLM Visa Signature $89/yr
- Allways Rewards Visa $59/yr
- Bank of America Alaska Airlines Visa Signature (Atmos Rewards Ascent) $95/yr
- Bank of America Alaska Airlines Visa Signature Business (Atmos Rewards) $70/yr
- Bank of America Atmos Rewards Summit Visa Infinite $395/yr
- Bank of America Business Advantage Customized Cash Rewards
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.bankofamerica.com · thepointsguy.com · www.ncl.com. Spot an error? Tell us.