Norwegian Cruise Line Credit Card by BoA

intro purchase APR no intro offerregular APR13.49 - 23.49% (V)
intro BT APR 13.49-23.49 3% BT fee min $10
rewards 1-3 points/$1 +10,000 intro points
  • earn 3x points on Norwegian  purchases
  • 1 point per dollar on other purchases
  • get 10,000 points after your first card purchase
good credit required

no annual fee

3x points on Norwegian purchases

Editors Review


  • No annual fee
  • 10,000 points sign-up bonus after first purchase in the first 90 days of the account
  • 1 point per $1 on all purchases
  • 3x points on Norwegian purchases
  • Redeem points for cruises, hotel reservations, and retailer gift cards


  • 3% international transaction fee
  • Points expire in five years – make sure you’ll have a vacation before


As many other co-branded affinity cards, it worth thinking twice before applying, even for a no annual fee. Regular rewards rate is just mediocre, and the main problem is the redeem rate. You can redeem points for on-board purchases with a rate of about 1 point per 1 cent. But if you decide to buy a cruise with your points you will be disappointed – your points will be worth 2-4 times less if you redeem it for cruises.

There is a better option if you want to collect travel rewards – consider Barclaycard Arrival Plus or Bank of America Travel Rewards with the redeem rate of 1.5 -2.2 cents for $1. With such travel reward cards, you can redeem points towards any travel expenses – cruise purchases included.

Last updated: 02/25/2017

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