Norwegian Cruise Line® Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and rewards details for The Norwegian Cruise Line® Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rate20,000 points initial rewards bonusNo foreign feeNo intro APR on purchasesNo intro APR on balance transfersRequires good/excellent credit
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Norwegian Cruise Line® Credit Card has a rating of 2.8/5 according to our proprietary credit card rating system. This rating reflects how appealing Norwegian Cruise Line® Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Airline Rewards'. To break it down further, Norwegian Cruise Line® Credit Card earned a score of 5.0/5 for Fees, 2.1/5 for Rewards, 2.5/5 for Cost, and 3.8/5 for User Reviews. Info about the Norwegian Cruise Line® Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.8/5
162 reviewsRead and write reviews
Market Comparison
Market Comparison
2.7
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Airline Rewards” for this card.
Fees
5.0
Rewards
2.1
Cost
2.5
Other Features
0.0
2.7/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
18.24% - 28.24% (V)
Balance Transfer
APR: 18.24% - 28.24% (V)
Balance Transfer Fee:4%
Rewards
Limited time offer: Receive 20,000 bonus WorldPoints® (equivalent of $200 off your next cruise) after making at least $1,000 or more in purchases in the first 90 days.
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.
Redeem your points for stateroom upgrades, travel discounts, exclusive redemption opportunities for last minute cruises, onboard credits, car rentals, hotel stays, cash and gift cards.
Norwegian Cruise Line® Credit Card's Additional Info
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.8
Market Comparison
2.7
fees: 5.0
rewards: 2.1
cost: 2.5
Other Features: 0.0
4.6WalletHub Rating
WalletHub Rating
4.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.9
Market Comparison
4.6
fees: 2.9
rewards: 4.8
cost: 5.0
Other Features: 5.0
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
3.6
Market Comparison
4.1
fees: 5.0
rewards: 3.9
cost: 4.2
Other Features: 0.0
(162)
(3,514)
(38)
annual fee$0
annual fee$95
annual fee$0
rewards rate 1 - 3 points / $1
rewards rate 1 - 5 points / $1
rewards rate 1 - 3 points / $1
bonus offer20,000 points
bonus offer 60,000 points
bonus offer 20,000 points
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APR0% for 12 months from account opening
Can't find what you are looking for? Submit your question about Norwegian Cruise Line® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
You need a credit score of at least 700 to get approved for the Norwegian Cruise Line Credit Card, so it's best to wait a bit if your score is still below that mark.
It is the Norwegian Cruise Lines policy that Norwegian Cruise Line Credit Card points for on-board benefits must be redeemed prior to departure. Perhaps handling redemption while at sea is simply too difficult.
On the bright side, having to determine which benefits you want ahead of time might help you avoid overspending. More information can be found in the card's terms or calling Norwegian Cruise Line's customer service department at 1 (866) 234-7350.
You do so by enrolling in online banking (https://www.bankofamerica.com/onlinebanking/online-banking.go), calling customer service (1-800-932-2775) or, if you feel like getting some exercise, heading down to your nearest BofA branch.
To redeem your Norwegian Cruise Line® Credit Card points, log in to the BofA My Rewards portal and select a redemption option. You can also redeem your Norwegian Cruise Line® Credit Card points by calling the phone number on the back of your card or by using the issuer's mobile app.
You'll have to wait 7-10 business days to get your Norwegian Cruise Line credit card in the mail. Bank of America doesn't expedite new cards, but you can request rush delivery on replacement cards.
Unfortunately, the Norwegian Cruise Line® Credit Card does not offer a trip cancelation insurance benefit. The card does, however, offer 1 - 3 points per $1 spent, has a $0 annual fee and a 0% foreign transaction fee.
Unfortunately, the Norwegian Cruise Line® Credit Card does not offer travel insurance. The card does, however, offer 1 - 3 points per $1 spent, has a $0 annual fee and a 0% foreign transaction fee.
Share your insights and review for the Norwegian Cruise Line® Credit Card
5
15%
4
65%
3
10%
2
4%
1
5%
3.8
162 reviews
162 reviews
What's Your Rating?
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kathycarlton @kathycarlton
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5 Star Rating
Verified Customer
I use this card just for all my travel. I use the points as on board credit when I do cruise I feel that I get rewarded for having a good time on vacation. Redeeming the points is not difficult I do it on the phone
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Comment
0
0
Lonnie Howell @Lonnie
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4 Star Rating
I like the credit card. The only thing is that once you receive them before the cruise, once you get on board the staff cannot answer your questions correctly about what they can be used for. We had to ask 4 times at the excursions desk before we finally told we could use them there. All the other staff members said NO. Same with the casino. We finally had to try them to find out that they do work on the slot machines. They worked and every staff member said NO.
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Comment
0
0
Andrea Jerread @andreaj18
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1 Star Rating
Very bad customer support. They make it difficult to have your points credit in your account.
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Comment
0
0
Sam Chu @sam.chu.5623
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1 Star Rating
If I can give it a zero star, I would. It has horrible customer service. When I called to get my points converted to NCL on board credit. I was transferred 5 times, on hold for over 45 mins. The person finally said she can help ended up lecturing me. It's ridiculous. I have never had that much trouble getting my rewards with Chase or Capital One. I learned my lesson, not all reward cards are the same. I got so frustrated I finally told them to keep all my points, I don't want to deal with them anymore. I closed the account completely on my third and finally phone calls on the same day. My time is too valuable and I am not going to be transferred and hung up on over and over again!! Bank of America you just lost an excellent customer!
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3
4
Marianne Swann @marianne.swann
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4 Star Rating
I have had this card for 11 years now and have had some good and some bad experiences. Overall I would recommend the card though. It has no annual fees, but my card does have a fairly high APR. The issue I've had has been with Bank of America, though I'm not sure if that's who issues all the Norweigan cards or not. They have raised my rate a few times over the years for reasons I really don't understand. I had never been late. When that happened I called to try and get them to lower it but they would not, and did not really have very good customer service. If the card were issued by another bank I would definitely recommend it however as the card does have very good rewards. You can redeem the points for onboard credits, making a reservation or other things through the cruise line. However you can also redeem them for things like gift cards and merchandise., which is great!
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3
1
Keisha Hedeen @keishah_4
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5 Star Rating
I have had this credit card since 2002 and highly recommend it. I have received awards such as On Board Credits that are applied to my NCL reservations, credits for casino play and money transferred to my checking account. There has never been any problems getting these awards. You can also obtain these Worldpoints through online purchases through a special website, which offers bonus points for shopping at certain merchants. If you have Bank of America, when you log-in to your online account you will be able to see this cards status as well. My interest rate is below those posted here, 9.99% but I have never missed a payment. This card is great to get extra perks on well deserved NCL cruises!
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2
1
Megan Lynn @megan.lynn.7739
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5 Star Rating
I love this credit card for a bunch of reasons. I really enjoy cruises and obviously it's way better to get points to earn for on board expenses, upgrade your room, and to try to get a free cruise. This cruise credit card is the BEST dollars spent to point system (I did my research), which is great because I love cruising on NCL. I like to make large group purchases with friends to earn the credits and have them repay me. The only drawback is you can only earn a free cruise to certain areas (the Bahamas, etc) but you really can't complain with a free cruise. It accumulates WAY faster than you ever expect, I really love this card and the benefits!
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Comment
1
0
+ 155 WalletHub users submitted a rating without writing a full review
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