Norwegian Cruise Line Credit Card by BoA

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at issuer’s secured site
good credit
intro purchase APR no intro offerregular APR12.99 - 22.99% (V)
intro BT APR 12.99-22.99 3% BT fee min $10
rewards 1-2 points/$1 +10,000 intro points
  • earn 2x points on Norwegian  purchases
  • 1 point per dollar on other purchases
  • get 10,000 points after your first card purchase

no annual fee

2x points on Norwegian purchases

Editors Review

Pros

  • No annual fee
  • 10,000 points sign-up bonus after first purchase in the first 60 days of the account
  • 1 point per $1 on all purchases
  • 2x points on Norwegian purchases
  • Redeem points for cruises, hotel reservations, and retailer gift cards

Cons

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

Verdict

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: 02/14/2015









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