Bank of America · Mastercard
Norwegian Cruise Line World Mastercard
No annual fee · 1x on everything else · no foreign transaction fees
Annual fee$0nothing to earn back
Statement creditsNoneno credits printed
Top everyday rate3xon travel · 3.0¢ per $1
Welcome offerNonenone published
Foreign transaction feeNonefine to use abroad
Terms verified 2026-08-21 against issuer terms
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Travel | 3x 3.0¢ per $1 |
uncapped |
| Flights | 2x 2.0¢ per $1 |
uncapped |
| Hotels | 2x 2.0¢ per $1 |
uncapped |
| Everything else | 1x 1.0¢ per $1 |
uncapped |
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? · how we got this
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
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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.