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Norwegian Cruise Line® World Mastercard®

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Online Offer: 20,000 bonus points

That’s enough for a $200 onboard credit or $200 off your next Norwegian cruise

Card Details

Earn triple points.

Earn 3 WorldPoints ®  points for every $1 spent on Norwegian purchases, 2 WorldPoints ® points per $1 spent on eligible air and hotel purchases and 1 WorldPoints ® point per $1 spent on all other purchases

No annual fee †  and no foreign transaction fees †

Enjoy no annual fee and no foreign transaction fees while earning points to redeem for upgrades, travel, on-board credits and more

You choose the rewards that matter most to you

Redeem points for stateroom upgrades, travel discounts, exclusive redemption opportunities for last minute cruises, onboard credits, car rentals, hotel stays, cash and gift cards.

Get 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening – which can be redeemed for a $200 off your next Norwegian cruise

Earn even more rewards

Bank of America Preferred Rewards ® members earn 25% - 75% more points on every purchase, applied to the base earn of 1 point per $1. Learn more about Preferred Rewards Norwegian Cruise Lines

Interest Rates & Fees Summary †

Introductory apr, standard apr.

19.24% - 29.24%

Balance Transfer Fee

of each transaction †

† Please see Terms and Conditions for rate, fee and other cost information, as well as an explanation of payment allocation. All terms may be subject to change.

Note: minimum payments are applied to lower-interest balances first. Additional payments are applied to higher-interest balances first.

Earn 3 WorldPoints ® points for every $1 spent on Norwegian purchases

Earn 2 WorldPoints ® points per $1 spent on eligible air and hotel purchases

Earn 1 WorldPoints ® point per $1 spent on all other purchases

Redeem points for stateroom upgrades, travel discounts, onboard credits, last-minute cruises, car rentals, hotel stays, cash, gift cards, and more.

Start redeeming your points at 2,500 points

Security & Features

Stay protected, contactless chip technology, balance connect ® for overdraft protection, paperless statement option, digital wallet technology, online & mobile banking, account alerts, fico ® score.

Now, when you opt-in you can access your FICO ® Score updated monthly for free, within your Mobile Banking app or in Online Banking. FICO ® Score Program . The FICO ® Score Program is for educational purposes and for your non-commercial, personal use. This benefit is available only for primary cardholders with an open and active consumer credit card account who have a FICO ® Score available. The feature is accessible through Online Banking, the Mobile website, and the Mobile Banking app for iPhone and Android devices. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Data connection required. Wireless carrier fees may apply." data-footnote="ADDITIONAL_BENEFITS_FOOTNOTE_07" aria-label="Footnote 5"> Footnote [5] Learn More   about Free FICO Credit Score opens in a new window

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Bank of America Norwegian Cruise Line® World Mastercard®

Terms Apply

The information for the Bank of America Norwegian Cruise Line® World Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Bank of America Norwegian Cruise Line® World Mastercard®

Norwegian Cruise Line enthusiasts might find the Bank of America Norwegian Cruise Line® World Mastercard® to be worthwhile, but compare the card with other travel credit cards before signing up.

Credit Needed

Good/Excellent

Intro Offer

Earn 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening – which can be redeemed for a $200 off your next Norwegian cruise

Rewards Rate

3X Points per dollar spent on Norwegian purchases

$0 annual fee.

Earn bonus rewards for Norwegian Cruise Line purchases.

The sign-up bonus is worth $200.

Limited bonus rewards categories.

No introductory APR period.

Points expire after five years.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

Bank of America Norwegian Cruise Line® World Mastercard® Summary

The Bank of America Norwegian Cruise Line® World Mastercard® is a co-branded travel rewards credit card designed for people who frequently travel with Norwegian Cruise Line. Using this card, you can earn 3 WorldPoints® points for every $1 spent on Norwegian purchases, 2 WorldPoints® points per $1 spent on eligible air and hotel purchases and 1 WorldPoints® point per $1 spent on all other purchases . New cardholders of the Bank of America Norwegian Cruise Line® World Mastercard® can earn 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening . The card does not charge an annual fee. Cardholder benefits include zero liability for fraudulent transactions and monthly FICO credit score access for free.

  • Rates and Fees
  • Highlights from Issuer
  • Issuer Name Bank of America
  • Credit Needed Good/Excellent
  • Annual Fee $0
  • Regular APR 19.24% - 29.24% Variable APR
  • Penalty APR Up to 29.99%
  • Balance Transfer Fee 4% of the amount of each transaction
  • Cash Advance Fee Direct Deposit and Check Cash Advances: 4% of the amount of each transaction ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances: 5% of the amount of each transaction

Is the Bank of America Norwegian Cruise Line® World Mastercard® Right for Me?

Yes, if you:

  • Frequently vacation with Norwegian Cruise Line.
  • Will use your points before they expire.
  • Don't want to pay an annual fee.

Tips for Using the Bank of America Norwegian Cruise Line® World Mastercard®

A good way to use the Bank of America Norwegian Cruise Line® World Mastercard® is to book travel with Norwegian Cruise Line, as you'll earn three points per dollar on those purchases.

Cardholders can earn even more rewards by becoming Preferred Rewards Members. If you have a three-month combined average daily balance of $20,000 or more, you'll become a Preferred Rewards Member. Depending on your balance with Bank of America and Merrill, you'll earn anywhere from a 25% to 75% rewards bonus.

Editor's Take

Since the Bank of America Norwegian Cruise Line® World Mastercard® has a generous sign-up bonus and offers three points per dollar spent on Norwegian purchases, it's a natural choice if you travel frequently with Norwegian Cruise Line.

It offers good rewards for Norwegian purchases and comes at little risk with a $0 annual fee. However, a lack of bonus earnings in common spending categories means you should pair this card with at least one other to maximize rewards.

You may want to get a flat rate cash back card like the Citi Double Cash® Card , which earns 2% cash back on every purchase – 1% when you buy plus 1% as you pay . You also could consider a more well-rounded travel card like the Chase Freedom Unlimited® . The Chase Freedom Unlimited® offers 3% cash back on drugstore purchases, as well as dining at restaurants – including takeout and eligible delivery services – 5% cash back on travel booked through Chase Travel and 1.5% cash back on all other purchases .

Current Welcome Offers 

New cardholders can earn 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening .

How to Maximize Rewards With Bank of America Norwegian Cruise Line® World Mastercard®

Cardholders of the Bank of America Norwegian Cruise Line® World Mastercard® earn 3 WorldPoints® points for every $1 spent on Norwegian purchases, 2 WorldPoints® points per $1 spent on eligible air and hotel purchases and 1 WorldPoints® point per $1 spent on all other purchases , so you will earn rewards at the highest rate when making purchases with Norwegian.

You can earn 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening . If you plan to redeem your rewards as cash back, you can earn up to 75% more cash when you're enrolled in Bank of America Preferred Rewards.

Cardholders can redeem points for stateroom upgrades, travel discounts, onboard credits, last-minute cruises, car rentals, hotel stays, cash, gift cards and more. You'll need at least 2,500 points to redeem, and any points you don't use within five years of the month you earned them will expire.

Comparing the Bank of America Norwegian Cruise Line® World Mastercard® With Other Credit Cards

The information for the Bank of America Celebrity Cruises® Visa Signature® Credit Card and the Bank of America Royal Caribbean® Visa Signature® Credit Card have been collected independently by U.S. News and the cards are not currently available on the site. The information has not been reviewed or provided by the card issuers and it is accurate as of the date posted.

U.S. News Credit Card Rating Methodology

Alternative pick.

Chase Freedom Unlimited®

On Chase 's Website.

Chase Freedom Unlimited®

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

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5 Things to Know About the Norwegian Cruise Line Credit Card

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Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

The Norwegian Cruise Line operates nearly 20 ships that travel to hundreds of destinations around the world. If you’re thinking about heading to one of these destinations, you might also be considering how the Norwegian Cruise Line® World Mastercard® could help you lower the cost of your voyage.

The Bank of America®-issued card offers decent rewards and is fee-friendly, so it can be a solid option for Norwegian loyalists who cruise often. But if Norwegian is not your cruise line of choice or your open-sea explorations are few and far between, you'll be better off with a general rewards credit card .

Here are five things to know about the Norwegian Cruise Line® World Mastercard®.

» MORE: NerdWallet's best credit cards for cruises

1. Ongoing rewards are decent, but limited

The Norwegian Cruise Line® World Mastercard® earns rewards in a currency called WorldPoints. The rates are as follows:

3 WorldPoints for every $1 spent on Norwegian purchases.

2 points per $1 for eligible air and hotel purchases.

1 point per $1 for all other spending.

WorldPoints are worth a penny each and can be redeemed for a variety of options. (More on that below.)

If you cruise exclusively and frequently with Norwegian, you can earn rewards at a reasonable rate. But because you’re limited to earning elevated rewards only on Norwegian purchases and travel-related spending, it can take a while to rack up points. There are cash-back and no-annual-fee travel credit cards that offer higher rewards rates in broader everyday spending categories, which can help you accumulate points more quickly.

For example, the Citi Double Cash® Card is a $0 -annual-fee card that earns 2% cash back on every purchase: 1% when you buy, 1% when you pay it back.

» MORE: NerdWallet's best cash-back credit cards

2. Redemption is flexible and straightforward

Redemption starts at 5,000 points for a $50 onboard credit. But the card also allows you to redeem points for a number of other Norwegian cruise-related options including upgrades, discounts and onboard experiences, in addition to rental cars and gift cards.

Other co-branded cruise line credit cards — for, say, Princess Cruises and Holland America — also feature rewards flexibility, but their redemption rules and values are tiered and complex. The Norwegian card is refreshingly straightforward.

» MORE: NerdWallet's best travel credit cards

3. Among cruise line cards, the sign-up bonus is generous

The Norwegian Cruise Line® World Mastercard® features a substantial welcome offer for new cardholders: Earn 20,000 bonus points when you spend $1,000 or more in the first 90 days of account opening. This offer is worth $200 and can be used for onboard credit or toward a Norwegian cruise (as of May 2024).

For a cruise line card, this offer for newcomers is significant. By comparison, the $ 0 -annual-fee Princess Cruises Rewards Visa® Card features a smaller offer: Earn 10,000 bonus points after you spend $500 within the first 90 days of account opening - that's enough to redeem for a $100 statement credit toward your next cruise purchase.

And the sign-up bonus on the $0 -annual-fee Holland America Line Rewards Visa® Card is phrased this way: " Earn 10,000 bonus points (enough to redeem for a $100 onboard credit) after spending $500 within the first 90 days of account opening. "

4. You’ll skip out on fees …

Cardholders won’t have to pay an annual fee or a foreign transaction fee. This means you won’t be charged extra for using the card overseas.

And because it's a Mastercard , it will be widely accepted by merchants internationally.

5. … But you won’t want to carry a balance

The Norwegian Cruise Line® World Mastercard® doesn't offer an introductory interest-free period. The ongoing APR is 19.24 - 29.24% Variable (as of May 2024).

To this end, this card isn’t the best option for financing your entire cruise vacation or for carrying a balance from month to month. If you can't pay off your entire balance each month, a credit card with a 0% intro APR will likely be a better choice.

» MORE: What's a good APR for a credit card?

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Norwegian Cruise Essentials Kit - Cruise Power Strip, Lanyards & NCL Luggage Tags

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Norwegian Cruise Essentials Kit - Cruise Power Strip, Lanyards & NCL Luggage Tags

Purchase options and add-ons, about this item.

  • ESSENTIALS KIT: Your Norwegian Cruise Essentials kit includes the 3 most up-voted cruise items on our "Must Have Cruise Packing List"
  • POWER STRIP [1]: Your Cruise Approved Power Strip is non-surge and adheres to all NCL Cruise Ship Policies
  • CRUISE LANYARDS [2]: our Cruise Lanyards with ID Holders are a perfect fit for your Norwegian Cruise Ship Cards for convenient access
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  • GUARANTEED: our American company, Cruise On guarantees 100% satisfaction with your Cruise Essentials Kit or we'll immediately fix the issue without hassle

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Teskyer Luggage Tags, 3 Pack Premium PU Leather Luggage Tags Privacy Protection Travel Bag Labels Suitcase Tags

  • 🛳️ 2024 updated to fit all Norwegian cruise ship tags for cruise ships and Itineraries in 2024 & 2025
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  • ⚠️ Please NOTE: these will NOT fit NCL tags received in the mail. They WILL fit the PDF printout issued by the cruise line

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  • 🛳️ Mini size, Compact & Lightweight for easy Travel and Packing.
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  • 🛳️ Fits Carnival, Royal Caribbean, NCL, Disney, Princess, Celebrity & all major cruise key cards in 2024 & 2025
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  • 🛳️ Includes waterproof ID holder for cruise key cards, cash, credit cards & other cruise essentials
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  • 🛳️ Use our cruise lanyards with ID holder for more time at the Lido Bar than finding your sea pass card

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Our Norwegian Cruise Essentials bundle includes: [1] Cruise Approved Power Strip [2] Lanyards for NCL Cruise Ship Cards Four [4] Norwegian Cruise Luggage Tags for NCL Issued Tag

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  • Norwegian Cruise Line

NCL Cabin/Ship Card

By cruiserbear55 , March 31, 2022 in Norwegian Cruise Line

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Cool Cruiser

cruiserbear55

Can someone tell me the size of the new cabin,ship cards? License size, bigger than a license, smaller than a breadbox? We want to buy a couple plastic holders to put on lanyards. But don't want to purchase ones too big or too small. Thanking you in advance.

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casofilia

I presume that you can, no longer, punch a hole in them as you used to be able to.

6 minutes ago, casofilia said: I presume that you can, no longer, punch a hole in them as you used to be able to.

    Your assumption is correct. Something about destroying the embedded electronics. Thanks for replying from WAY down under!!

5,000+ Club

They're standard size for wallets, such as a credit card, room keys for hotels or ID.  In fact - in port I actually slip mine into my wallet.

Yes, if NCL has converted all ships to the RFID style cards then punching holes is NOT suggested, though I did see someone on my last cruise that had done that, it could be done but you have to be VERY careful.

Brian V

To answer the original question, size of a credit card.

Just now, hallux said: They're standard size for wallets, such as a credit card, room keys for hotels or ID.  In fact - in port I actually slip mine into my wallet.

LOL, cross post 🙂

Haha

@cruiserbear55

Thanks for replying from WAY down under!!

No  problem; being retired and missing cruising I like to read as many posts as interest me so I can be ready when November comes around and we can do our B2B2B2B on the Jade.

Like

Oh wow, I'm glad I saw this.  We have had the casino punch holes in our cards on our previous cruises so we can clip them onto a lanyard.  At least in Alaska, we're more likely to have pockets.

GeezerCouple

GeezerCouple

7 hours ago, hallux said: They're standard size for wallets, such as a credit card, room keys for hotels or ID.  In fact - in port I actually slip mine into my wallet.   Yes, if NCL has converted all ships to the RFID style cards then punching holes is NOT suggested, though I did see someone on my last cruise that had done that, it could be done but you have to be VERY careful.

Given that SO many people have become accustomed to "punching holes" in their cards (on all ships; selling branded lanyards was a "thing" on some ships...), why couldn't they make the cards with a hole pre-punched, so that any electronics are placed below the hole (or anyplace the hole isn't)?

I used to wonder why they didn't do that before, when the "electronics" weren't an issue.

It was very nice not to need to fish the card out of a plastic holder (or a wallet or purse)... Those who prefer little plastic holders could still use them, obviously.

jimsig

Usually the RFID chip is small but since you don't know where it's located it's not recommended to punch it. 

I work as a train conductor and the fare media for single ride and round trip train tickets has recently changed to having a RFID chip in it.  They have started installing fare gates at the core stations and passengers will have to tap in and out of those stations even though we will be checking/punching tickets onboard as we always have.  We were told not to punch tickets in the area that has the sideways looking wifi symbol as that's where the chip is.  The monthly passes (like  the credit card plastic) have had as chip in them for years now and some passengers still punch holes in them as it's easy to figure out where the chip is on those, you can feel the bump, and they do not locate them near the corners.  

don't-use-real-name

don't-use-real-name

If in doubt about hole punching - visit Guest Services and get the professional gospel answer.

Do it wrong and you will not be able to get into your stateroom on and off the ship purchase

services drinks gifts etc.

Key cards with the black magnetic strip - a NO-NO to tamper with that - Cards with the 

little rectangular hologram image left side center in the card - mess with that and you disable

the card. I am guessing that the only place to safely punch a hole would be in the lower right

corner where your mutiny ah er I mean muster station appears.

Check with Guest Services for the REAL answer - - - 

shof515

On 3/31/2022 at 10:52 PM, GeezerCouple said:   Given that SO many people have become accustomed to "punching holes" in their cards (on all ships; selling branded lanyards was a "thing" on some ships...), why couldn't they make the cards with a hole pre-punched, so that any electronics are placed below the hole (or anyplace the hole isn't)? I used to wonder why they didn't do that before, when the "electronics" weren't an issue.   It was very nice not to need to fish the card out of a plastic holder (or a wallet or purse)... Those who prefer little plastic holders could still use them, obviously.   GC

Carnival cruise line has cards that is pre punched with a hole

@don't-use-real-name

can confirm, guest services will NOT punch hole in card due to chip. Husband asked on our last cruise on the Getaway 2/22

1 hour ago, shof515 said: Carnival cruise line has cards that is pre punched with a hole

Right. Thanks!

How hard can this be, and even with a chip or "electronics", when they know where they are.

Or have them manufactured that way; it can't add much at that point when done as part of the regular process.

5 hours ago, don't-use-real-name said: Key cards with the black magnetic strip - a NO-NO to tamper with that - Cards with the  little rectangular hologram image left side center in the card - mess with that and you disable the card.

I have 3 NCL cards (we ARE on the NCL board) including one from just 2 weeks ago, none have a hologram.

I have an RCI card that is a little thinner than the NCL cards (or the material is less dense) and I can shine a light through it to see that there is not only a chip but a sort of antenna 'ring'.  Interrupt that ring and you also likely render the card unusable.  ARE there spots on that card that could be punched?  Sure.  Does that mean NCL cards might have good spots to punch?  Possibly, but without being able to shine a light through to see exactly where it might be safe it likely isn't.

  • 3 months later...

So are the cards tap and go ( if so can they be used without taking them out of your wallet or phone case?  or do they need to be swiped to get into rooms etc?

10 minutes ago, alibabaxx said: So are the cards tap and go ( if so can they be used without taking them out of your wallet or phone case?  or do they need to be swiped to get into rooms etc?

depending on the ship are you on. almost of the newer ships have tap and go, and some older ships were retrofitted and other ships still have to be swiped

and the card often needs to be handed over for dining (specialty anyway) or drinks, even if it is of the RFID type for the room.

37 minutes ago, shof515 said: depending on the ship are you on. almost of the newer ships have tap and go, and some older ships were retrofitted and other ships still have to be swiped

thanks, we are on Escape

26 minutes ago, hallux said: and the card often needs to be handed over for dining (specialty anyway) or drinks, even if it is of the RFID type for the room.

ah ok, might as well get a lanyard then rather than keep taking out of a wallet 

15 minutes ago, alibabaxx said: ah ok, might as well get a lanyard then rather than keep taking out of a wallet 

Keep in mind that the lanyard would need to be the pouch type so you'd still be removing it from your carrying accessory.  Finding the proper place to punch a hole in the NCL cards isn't easy as they seem to be thicker or more dense than the Royal RFID card I have (I can shine a flashlight through the Royal card to see where the chip and antenna wire are, can't do that with the NCL cards).  If you damage the chip or wire it's game-over for the card and you need to get it replaced.

30,000+ Club

BirdTravels

On 4/3/2022 at 8:26 AM, GeezerCouple said: Right. Thanks! How hard can this be, and even with a chip or "electronics", when they know where they are. Or have them manufactured that way; it can't add much at that point when done as part of the regular process.   GC
1 hour ago, alibabaxx said: So are the cards tap and go ( if so can they be used without taking them out of your wallet or phone case?  or do they need to be swiped to get into rooms etc?

"New" RFID room keys used on the newer ships. Some readers on the ship use the RFID. Some scan the bar code. Some still swipe the magnetic strip.

image.png.70b4c82d51a0c077a98eb4e6b4485303.png

The gangway doesn't even use your ship's card any longer, it uses your face (and it also takes and records your temperature... don't get sunburned). 

image.png.de69c85d1e238a91fce488c93eccf6f1.png

The NCL chip is at the bottom right of the card. But the antenna loop runs around card about 1/2" from the edge making it hard/impossible to punch with a regular punch without compromising the card. (i.e., it is more than knowing "where the chip is",,, it is understanding that there are electronics that run in the center of the card along the edge of the card)

image.png.9bf24a74c4f6c37992962da88d6d5ddf.png

Damage the key card - you will have to go to Guest Services for a replacement.

You won't be able to get into your stateroom -

You won't be able to get drinks at a bar -

You won't be able to purchase gifts or duty free -

Your gaming in the Casino is cut off -

If you are off the ship MAY have trouble getting back on ?

Regardless don't mess with the black stripe on the back of the card.

Punching holes - have Guest Services do it for you.

Don't know if placed near a magnetic (charging) device for a period of time rendering it void.

With all this "Do you feel Lucky?"

Guest Services is always interested in how the card was compromised.

Avons nous 1 carte par passager

bookbabe

4 hours ago, Wzk said: Avons nous 1 carte par passager Merci

Oui, avec le nom de chacun

Thanks

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Norwegian Cruise Line World Mastercard: Heavy on the cruise perks but limited everyday rewards

Whether you plan on sailing to the Bahamas on the Norwegian Breakaway or cruising to the Mediterranean on the Norwegian Dawn, using the Norwegian Cruise Line® World Mastercard® could be a good way to earn extra rewards. You'll earn up to three points per $1 spent on Norwegian cruise bookings, and the card has no annual fee.

However, the card's rewards program offers limited rewards on other purchases. Unless you're a Norwegian Cruise Line devotee, another credit card may be a better choice.

Norwegian Cruise Line World Mastercard at a glance

Annual fee : $0

Welcome offer : 20,000 points after spending $1,000 on purchases within 90 days of account opening

3x points per $1 spent on Norwegian purchases

2x points per $1 spent on eligible airfare and hotel accommodations

One point per $1 spent on all other purchases

The Norwegian Cruise Line World Mastercard doesn't have an annual fee. Assuming you pay off your statement balance in full each month, you can use the card and earn valuable rewards at no added cost.

Welcome offer

You can earn 20,000 points if you spend at least $1,000 on purchases within 90 days of account opening. Although the value of those points varies based on your redemption method, the bonus could be worth as much as $200.

With some credit cards, the new cardmember welcome offer requires you to spend thousands in a short time, so the $1,000 spending requirement and 90-day timeline is more accessible than most. You can qualify for the bonus by spending a modest amount, or by using the card for routine purchases like gas and groceries.

Intro offer

There is no introductory APR offer for purchases or balance transfers on the Norwegian Cruise Line World Mastercard; the regular APR applies to all transactions from the time you open the account. If you book a cruise, that means there's no way to spread out the cost over several months without carrying a balance and paying interest.

The best introductory 0% APR credit cards available

Rewards rate

You'll earn the following rewards when you use the Norwegian Mastercard:

3x points per $1 spent on Norwegian Cruise Line, including cruise fare and on-board purchases

2x points per $1 spent on airfare and hotel stays

How to earn rewards

Norwegian is the third-largest cruise line in the world, serving nearly 3 million guests per year. If you have the Norwegian Cruise Line World Mastercard, you can earn rewards by booking cruises on one of the company's 17 ships.

You can also earn a higher rewards rate on airfare and hotel stays, so using the card whenever you travel will allow you to earn more rewards quickly. For example, here is how much you could earn in rewards by spending $6,000 on a Norwegian cruise vacation:

Depending on how you redeemed those rewards, you could get as much as $140 in value for your points.

How to redeem rewards

You can redeem your Norwegian Mastercard points when you've accrued at least 2,500 points. The card allows you to redeem your points in the following ways:

Norwegian cruise stateroom upgrades

Norwegian cruise onboard credits

Car rentals

Hotel stays

Cash in the form of statement credits

In general, your points are worth one cent each; some redemption methods, such as gift cards, may have a different value. You'll typically get the most value from your points by redeeming them for future Norwegian Cruise Line cruises, stateroom upgrades, and onboard credits.

Additional benefits

Although it is a travel rewards card, the Norwegian Cruise Line World Mastercard's benefits could be more extensive. However, it does offer the following benefits:

Cell phone protection: Pay your cell phone bill with your card and your phone is automatically covered against damage or theft, up to a maximum of $600 per claim and $1,000 per account. Each claim is subject to a $50 deductible.

Mastercard Global Service: If you're traveling and lose your card or it's stolen, Mastercard Global Service can ship you a new card, and you may qualify for an expedited cash advance.

Mastercard Airport Concierge: The Airport Concierge is a service that can connect you to chauffeured service to and from the airport, assist you with luggage at baggage claim, or escort you through the airport.

Who is the Norwegian Cruise Line Mastercard best for?

The Norwegian Cruise Line World Mastercard is suitable for cruising enthusiasts who prefer Norwegian Cruise Line over other cruise lines. It offers a higher rewards rate on Norwegian bookings and no annual fee.

However, the card's value is limited for other travelers. If you aren't an avid cruiser, you may get more value from another travel rewards card with a more general rewards structure.

Norwegian Cruise Line Mastercard card pros

No foreign transaction fees: The Norwegian Cruise Line World Mastercard doesn't charge foreign transaction fees , so there's no cost to use the card to make purchases in other countries — a useful perk when you're on a cruise with different ports of call in multiple countries.

No annual fee: Unlike many travel rewards cards, the Norwegian Mastercard doesn't have an annual fee.

Cell phone protection: The Norwegian Mastercard includes cell phone protection, protecting you against theft or damages.

Norwegian Cruise Line Mastercard cons

Sparse travel benefits: Unlike many major travel credit cards, the Norwegian Cruise Line World Mastercard's list of benefits is quite limited. It lacks common travel benefits like trip cancellation or interruption insurance, trip accident insurance or baggage delay reimbursement.

Lower rewards on most purchases: Only Norwegian purchases are eligible for the highest rewards rate. All other purchases give you a lower rate of rewards, making it more difficult to build points.

No promotional APR on purchases or balance transfers: Although many travel cards have special promotional APRs, particularly for new travel bookings, the Norwegian Mastercard doesn't have a promotional APR for purchases or balance transfers.

How to make a Norwegian Cruise Line World Mastercard payment

The Norwegian Cruise Line World Mastercard is a co-branded card issued through Bank of America. You can make a payment online, through the Bank of America mobile app or by mailing a check:

Phone: 800.732.9194

Bank of America

PO Box 15019

Wilmington, DE 19886-5019

Norwegian Cruise Line World Mastercard card customer service info

Bank of America, the issuer behind the Norwegian Cruise Line World Mastercard, is known for its strong customer service. It was ranked second in the J.D. Power 2023 Credit Card Satisfaction Study , beating 17 other issuers.

Its customer support team is available 24 hours a day, seven days a week:

Phone number: 800.732.9194

Norwegian Cruise Line World Mastercard login page

Alternative cards to consider

If you aren't a fan of cruises or like more flexibility with your rewards, consider these alternatives:

Capital One VentureOne Rewards Credit Card

Why we like it : With no annual fee, the VentureOne Rewards card allows you to earn unlimited 1.25 miles per $1 spent. And the card has a generous introductory APR offer on purchases and balance transfers, giving you plenty of time to pay off your trip without accruing interest.

Chase Sapphire Preferred® Card

Why we like it : The Chase Sapphire Preferred card has a $95 annual fee, but it could be well worth the investment. Besides a valuable rewards program, it provides robust travel benefits that the Norwegian Cruise Line World Mastercard doesn't. Benefits include trip cancellation or interruption insurance, auto rental damage collision waiver protection, baggage delay insurance, trip delay reimbursement and travel and emergency assistance.

Hilton Honors American Express Card

Why we like it : The Hilton Honors Amex has no annual fee, and you can earn 7x points per $1 spent on Hilton hotel stays, 5x points per $1 spent at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, and 3x points per $1 spent on all other purchases (see rates and fees ; terms apply). The card also includes added perks like complimentary silver Hilton Honors status and car rental loss and damage insurance*.

*Eligibility and benefit level varies by card. Terms, conditions, and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

This article was edited by Rebecca McCracken

Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn't include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.

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Red Hot Cruise & Travel

What Does Norwegian Cruise ID Cards Look Like?

Norwegian Cruise Line, one of the leading cruise companies in the world, is renowned for it’s exceptional service, stunning destinations, and unforgettable voyages. As travelers embark on their exciting journey, they may wonder what the Norwegian Cruise ID cards look like, which are essential for identification and access throughout the ship. These ID cards bear a distinct design, showcasing the company's logo and vibrant colors, while also incorporating vital information such as the traveler's name, photograph, and cabin number. These cards play a crucial role in ensuring the safety and smooth operation of the cruise, granting access to various onboard facilities, tracking attendance in events and activities, and serving as a form of identification while disembarking at ports of call.

What Is ID on a Cruise Ship?

What’s ID on a cruise ship? These cards serve multiple purposes throughout the journey, ensuring security, convenience, and personalized services. Norwegian Cruise ID cards, much like those on other cruise ships, enable passengers to access different areas of the vessel, such as their cabins or exclusive venues. These cards are typically scanned at various points on the ship, utilizing advanced technologies like magnetic strips, RFID readers, or barcodes.

They allow the crew to verify the passengers identity and ensure that only authorized individuals access the ship and it’s amenities. This security measure helps maintain a safe environment for everyone on board. In addition to identifying passengers, these cards also enable them to exit and re-enter the ship at various ports of call during the voyage.

Moreover, cruise ship ID cards often serve as a form of payment within the vessel. By linking the card to the passengers onboard account, they can conveniently charge purchases to their account without the need for carrying cash or credit cards. This feature simplifies transactions and streamlines the overall guest experience.

Furthermore, these cards play a crucial role in accessing specific areas of the ship. For instance, passengers may need to swipe their ID cards to enter private venues, such as spas, specialty restaurants, or exclusive lounges. This ensures that these areas remain accessible only to those who’ve the appropriate privileges or reservations.

By including such details on the card, passengers can quickly reference and access their relevant information while on board.

They may also incorporate security features, such as holograms or unique patterns, to prevent counterfeiting and ensure the utmost security for passengers and crew members.

Different Types of ID Cards Used on Cruise Ships (e.g., Key Cards, Photo IDs)

On cruise ships, different types of ID cards are used to ensure the safety and convenience of passengers. One common type of ID card is the key card, which serves as both a room key and an access pass to various ship amenities. These key cards typically have the passenger’s name, cabin number, and sometimes a photo for identification purposes.

In addition to key cards, cruise ships also issue photo IDs to all passengers. These photo IDs are usually required when embarking and disembarking the ship, as well as when participating in certain activities or excursions. The photo IDs typically display the passenger’s name, photo, and sometimes other details like the ship’s name and the embarkation date.

It’s important to keep these ID cards safe during the cruise, as they’re essential for accessing your cabin, making onboard purchases, and participating in various ship activities. If you lose your ID card, notify the ship’s staff immediately to ensure necessary measures are taken to prevent unauthorized use.

However, if you’re taking a domestic cruise within the United States, you may be wondering if you can use your REAL ID instead of a passport. The answer is no, REAL ID cards aren’t accepted as a valid form of identification for international cruise travel.

Can I Use a REAL ID Instead of a Passport for a Cruise?

When it comes to travel documentation, it’s essential to know what forms of identification are acceptable for each specific type of travel. While a REAL ID card is a valid form of identification within the United States, it can’t be used in place of a passport for international travel. Therefore, if you’re planning a cruise that involves traveling to international destinations, you’ll still need to have your passport with you.

The cruise lines have specific requirements to comply with international regulations, and a REAL ID card alone won’t suffice.

The reason for this distinction is that international travel, by sea or by air, goes beyond the borders of the United States. Customs and immigration laws of other countries come into play, and a passport is the universally recognized travel document that allows entry and exit from foreign countries.

This will ensure that you’ve the necessary identification to comply with all legal and regulatory requirements for international travel.

What Is a REAL ID and How Do I Get One?

A REAL ID is a type of identification card that meets federal regulations for enhanced security. It’s often required to board federally regulated domestic flights and access certain federal facilities. To obtain a REAL ID, you’ll need to visit your local Department of Motor Vehicles (DMV) office and provide various documents, such as proof of identity, proof of U.S. citizenship or lawful status, Social Security number, and proof of your current address. Each state may have specific requirements, so it’s best to check with your state’s DMV website for the exact documentation needed. Once you’ve the required documents, you can then apply for a REAL ID, pay any applicable fees, and have your photo taken. The DMV will then issue you a REAL ID card that meets the necessary federal standards.

Source: Do I need a REAL ID to travel on a cruise?

Norwegian Cruise Line offers an exciting laser tag experience on their ships, Norwegian Bliss and Norwegian Joy. Unlike other onboard activities, laser tag does come with an additional cost of $9.95 for a 10-minute session. However, the cruise line also offers an unlimited laser tag pass for $199, allowing guests to enjoy endless fun throughout their entire one-week sailing.

Is Laser Tag Free on Norwegian Cruise Line?

Norwegian Cruise Line offers an exhilarating laser tag experience on their ships, and the setup is nothing short of impressive. Although it does come with an additional cost, the excitement and fun it provides make it well worth it.

Prepare to immerse yourself in an adrenaline-fueled battle on these state-of-the-art ships, as you and your fellow passengers dodge laser beams, strategize, and engage in friendly competition. The game offers a level of excitement that’s perfect for both kids and adults alike, making it a great activity for families or groups of friends traveling together.

Strap on your gear, get ready to sharpen your aim, and embark on a quest for victory on the high seas with Norwegian Cruise Lines incredible laser tag activity.

Your NCL stateroom keycard is an essential tool that grants you access to your cabin and enables various activities like making purchases, reservations, and re-boarding after a port day. This small card will quickly become an indispensable companion throughout your cruise experience with Norwegian Cruise Line (NCL).

Does Norwegian Cruise Use Key Cards?

Norwegian Cruise Line (NCL) does utilize key cards for their guests. These ID cards, also known as stateroom keycards, serve multiple purposes during your cruise. They aren’t only essential for accessing your cabin but also for making purchases, reservations, and re-boarding the ship after a port day.

The keycards are usually issued at the check-in process or given to you once you board the ship. They typically come with a lanyard or a plastic sleeve to keep them secure and easily accessible. These cards are programmed with your personal information, such as your name, stateroom number, and dining preferences.

When it comes to accessing your cabin, the keycard serves as an electronic key. You simply tap or swipe your card on the card reader located outside your cabin door to unlock it. This ensures that only you and your travel companions have access to your stateroom.

While the specific design details may vary, these cards typically feature the passenger's name, photo, and important information for security and convenience purposes. It’s essential to recognize that the appearance of these ID cards can differ from one cruise to another. Nonetheless, they consistently serve as reliable credentials for guests to enjoy a seamless and secure experience throughout their journey.

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Tom Cruise Marks 10 Years Since Edge of Tomorrow with 'Great Friend' Emily Blunt: 'Incredible Memories'

"I love her performance in this film. Her dedication. Her humor. Her vulnerability and power. She brought it all," he said

Charlotte Phillipp is a Weekend Writer-Reporter at PEOPLE. She has been working at PEOPLE since 2024, and was previously an entertainment reporter at The Messenger.

ncl cruise card

Dimitrios Kambouris/Getty

Tom Cruise is marking a decade since the release of Edge of Tomorrow and praising costar Emily Blunt .

On June 6, the actor, 61, shared a post on Instagram reflecting on the production and release of 2014's Edge of Tomorrow, including his fellow cast and crew, especially Blunt, 41.

"It's been 10 years since Edge of Tomorrow first hit theaters!" Cruise wrote. "I want to take the opportunity to thank Emily Blunt once again for being such a great friend and brilliant actress . I love her performance in this film. Her dedication. Her humor. Her vulnerability and power. She brought it all."

"This anniversary brings back incredible memories," he continued, before thanking the film's director, more of his costars, including late actor Bill Paxton.

Kobal/Shutterstock

"My first collaboration with Doug Liman. Rejoining the indomitable Brendan Gleeson. And my first time working alongside the great [Paxton]. His performance and the character he created left an indelible mark on this film."

Led by Cruise as a military public relations officer with little combat experience, Edge of Tomorrow is an apocalyptic sci-fi film that takes place after Europe has been occupied by aliens. Cruise's character is forced into combat against his will, and finds himself stuck in a time loop, fighting the same battles over and over again as Blunt trains him as a fighter.

"Hitting this kind of tone was no easy task," Cruise continued in his caption. "The writing and storytelling of Christopher McQuarrie made the movie work. Along with the dedication of our entire team who helped bring it to the screen — it was an absolute joy creating it with you all."

"To everyone who has enjoyed this film over the years, thank you for being a fan. And thank you to Warner Bros. for making this film," he added. "I can't wait to share more about the great movies we’re working on."

Blunt has also been candid about her time on the film, opening up in a 2022 interview on the  SmartLess  podcast, hosted by  Jason Bateman ,  Will Arnett  and  Sean Hayes , about the physical difficulties she had on the set.

"We had to wear these enormous suits, which I think would've been great if we had CGI'd them, but we wanted to do it in a tactile way," Blunt said during the podcast, noting "there was nothing cozy" about these 85-lb. suits.

"I was like, 'Tom, I'm not sure how I'm going to get through this shoot,' and just started to cry," Blunt continued, before revealing how Cruise got her to laugh and power through the production.

"I was like, 'I'm feeling a bit panicky about the whole shoot,' and he literally goes — he just stared at me for a long time, not knowing what to do, and he goes, ' Come on, stop being such a p----, okay ?'"

The PEOPLE Puzzler crossword is here! How quickly can you solve it? Play now !

"And I did laugh, and then we got through it," Blunt added, though she noted that she ultimately did injure her ribs and collarbone during the shoot. "But the training was intense. It was like twice a day we trained for it."

While appearing at the Academy Museum of Motion Pictures in Los Angeles for a  moderated conversation  with filmmaker Rob Marshall last year, Blunt also spoke about working with Cruise on Edge of Tomorrow, sharing that he helps to "tighten the screws on everyone when it comes to what you think you're capable of."

"Because he can do everything and wants to do everything, it makes you want to meet him where he is at," she saide, adding, "He's so inspiring. Such a doll to me."

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What to wear on a cruise: Cruise attire and cruise line dress codes

Ashley Kosciolek

Editor's Note

Have you ever had that nightmare where you're at work, in school or giving an important presentation only to look down to discover you're only wearing underwear (or worse, nothing at all)? If you're new to vacationing at sea, knowing how to dress for a cruise can be confusing and just as potentially embarrassing if you're not prepared.

Packing acceptable attire for a cruise is simple if you remember a few general rules. Here, I'll break down some safe options if you're unsure, and I'll give an overview of the cruise dress codes for each of the "big eight" cruise lines.

For more cruise news, reviews and tips, sign up for TPG's cruise newsletter .

What do people wear on a cruise?

ncl cruise card

You can't go wrong with resort-casual clothing for sea days when you'll remain on board your ship. Although some lines will be more or less casual than that, it's a good baseline. What is "resort casual" though?

Khaki pants or shorts with loose-fitting, short-sleeved button-down shirts or even nice, plain T-shirts work well for men. Women might opt for khaki shorts or palazzo pants with a nice top or a sundress. In most cases, nice jeans (dark wash with no holes) will also work well.

On most ships, this clothing will also be acceptable at night in the main dining rooms. For extra-fee restaurants, you might choose to dress up a bit more. Collared shirts or long-sleeved button-downs are acceptable for men, and slacks with a blouse or a dress for women are acceptable.

For formal nights, which are optional on many lines' ships, men will want to bring a collared, button-down shirt at the bare minimum. For something a little more snazzy, bring a jacket to wear over your shirt, with or without a tie. Some men opt for suits or tuxes. For women, pantsuits and dressy pants outfits are a great choice, as are party dresses or even ball gowns.

Although most lines have eased dress codes on formal or "elegant" nights, jeans are generally not allowed in the main dining rooms. Cut-off shorts, baseball caps and flip-flops are banned at all times — not just on formal nights — during dinner in the main dining rooms.

Related: 7 cruise ship packing mistakes you want to avoid at all costs

Another key piece of clothing to bring is a bathing suit. Whether you're headed to a warm-weather destination and plan to laze by the pool or on the beach, or you're visiting somewhere chilly but want to take advantage of your vessel's hot tubs, it's an item you won't want to forget. Note that cover-ups are required for entry at all restaurants and dining rooms, with the exception of walk-up poolside window-service venues.

For shore excursions — particularly those in more rugged or active destinations that require a lot of walking — comfortable, casual clothing and sturdy footwear are a must. Bring layers for cold climates and moisture-wicking fabrics for places where it's warm or where you expect to work up a sweat.

Finally, check to see if your cruise line has any special theme nights planned. If so, you might want to pack an outfit for the white party or '80s night.

Carnival cruise dress code

ncl cruise card

Carnival is one line where casual is the name of the game. Passengers will be fine in jeans, T-shirts, tank tops, shorts and bathing suits for their days on board or ashore.

At night, nice jeans and nice tops are perfect for eating in the main dining rooms.

On Carnival cruise formal nights, known as "cruise elegant" nights, cruisers wear everything from slacks with nice shirts to tuxes and ball gowns. However, most passengers stick to clothes that fall somewhere in the middle.

Voyages of six nights or longer will have two "cruise elegant" nights, while those five nights or shorter will see only one.

Celebrity Cruises dress code

Celebrity Cruises maintains a dress code that's best described as chic-casual. The demographic on board tends to be a bit more upscale than what you'll find on Carnival, Royal Caribbean or Norwegian. That means khaki shorts with nice button-downs are more common than jean shorts and tank tops, although you won't be out of place in the latter.

For dinner, you'll want to dress it up even more, as the line has a smart-casual dress code at night in most restaurants, including the main dining room. Anything from unripped jeans to dress pants with nice blouses or button-downs is acceptable.

Related: 20 must-have items I won't cruise without

Are there formal nights on Celebrity cruises? Yes, the line holds one "evening chic" night on every sailing of six nights or fewer and two on voyages of a week or more. The dress code encourages passengers to go all-out with tuxes and evening gowns. However, most men choose slacks with collared or button-down shirts and jackets, sans ties. Most women choose slacks and nice blouses, sundresses or party dresses.

Disney Cruise Line dress code

ncl cruise card

Disney Cruise Line is synonymous with children, and children like to be comfortable. With that in mind, just about anything goes in terms of dress on The Mouse's ships. These cruises tend toward casual in spite of their stellar service and high price point.

It's not uncommon to see jeans, shorts, T-shirts or bathing suits during the day. Unlike most other lines, the same goes at dinnertime, with jeans and T-shirts just as common as dressier attire like slacks and button-downs.

Exceptions are the line's "dress-up" nights — two on sailings of a week or more and one on shorter voyages. For those, DCL suggests that men avoid jeans and wear jackets. Women should go with dresses, skirts and blouses, or pantsuits.

Related: The 5 best cruise lines for families

Some of Disney Cruise Line's added-fee restaurants, such as Remy — one of the most expensive alternative eateries at sea — require jackets for men and don't allow jeans.

Each Disney sailing features a Pirate Night; cruisers wishing to participate should pack their best swashbuckling gear. As is standard at Disney parks, you're also likely to see large numbers of costumes and mouse ears at all hours of the day.

Holland America Line dress code

Although the dress code on Holland America ships is technically "cruise casual," you'll rarely spot anyone looking disheveled or like they just rolled out of bed. Most passengers tend toward resortwear or, at the bare minimum, nice jeans with pressed T-shirts.

The casual dress code carries through to dinner, but HAL cruisers often dress up a bit more. This includes collared shirts or button-downs (sometimes with jackets) and slacks for men and slacks with nice tops or dresses for women.

As for Holland America formal nights, on sailings shorter than a week, there will be one "gala night," during which travelers don evening or ball gowns, suits or tuxedos. Voyages of eight to 13 nights will see two gala nights, while any cruises of two weeks or longer will have three chances to dress to the nines.

MSC Cruises dress code

ncl cruise card

What to wear on MSC cruises largely depends on the crowd with whom you're sailing. On European cruises, your fellow passengers are likely to dress up more often — even during the day; skimpy resortwear and designer bathing suits often grace the pool deck as far as the eye can see. On those voyages, dinner is an even more fancy affair, with elegance as the norm. Expect to see glittering dresses and stylish pants and button-downs with dress shoes, even when it's not a formal night.

On cruises that depart from the U.S., expect a more casual vibe, with jeans, T-shirts and bathing suits ruling the day. At night, you'll be fine with nice jeans and a collared shirt or a sundress, although you might want to dress up a bit more to match the ship's ambience.

Related: A beginners guide to picking a cruise line

Are there formal nights on MSC cruises? Absolutely. They're called "gala dinners," and they appear at least once per voyage, but the number can vary by itinerary. The dress code is strict, with the buffet the only place that will allow T-shirts and shorts. You'll fit in best in a ball gown, cocktail dress, suit or tuxedo.

Norwegian Cruise Line dress code

Norwegian , which pioneered the concept of "freestyle cruising," prides itself on allowing cruisers to dress as they please, providing a "come as you are" atmosphere during the day and at night. The most popular clothing is cruise casual, and passengers are free to wear whatever they'd like with an emphasis on comfort.

The only exception is at dinner, when a smart-casual vibe encourages travelers to avoid torn clothes or suggestive or skimpy outfits.

In a nod to Norwegian's laid-back style, NCL formal nights — dubbed "Dress Up or Not" nights — provide a chance for you to get dolled up. However, it's not required, and you won't be turned away from the main dining rooms if you choose not to participate. Passengers have been spotted wearing everything from jeans and T-shirts to ball gowns and tuxes, and all coexist in perfect harmony.

Princess Cruises dress code

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Princess ' casual daytime mindset means you can wear the same types of clothing on board as you would during a day ashore — activewear, beachwear and jeans or T-shirts are totally fine.

Princess' formal nights are special because the line is one of the few industry holdouts in that it still has an official formal night. Its passengers enjoy a more traditional cruise experience, and they relish the romantic vibe that a formal night can provide. With that in mind, the line doesn't mention super-fancy garb like ball gowns or tuxes; instead, it advises suits or slacks with jackets for men and cocktail dresses or pantsuits for the ladies.

On voyages of less than a week, passengers should plan for one formal night, while sailings of a week to 13 days will have two, and cruises two weeks or longer will have three.

All other nights are listed as "smart casual." This means sundresses or pants with flowy tops for women and nice jeans or slacks with collared shirts for men will suffice.

Royal Caribbean dress code

As is the case with Carnival and Norwegian, Royal Caribbean is a casual line during the day. Like Disney Cruise Line, it caters to a lot of families. Translation: Wear what allows you to have the most fun in the most comfort. Expect to see shorts or jeans with T-shirts or tank tops and bathing suits or beachwear almost exclusively during the daytime.

At night, you might want to put on something a little less comfortable, but it's certainly not required unless it's a formal night. (Like Princess, Royal still has those.) The confusing part is that the line has three different dress codes, all of which are loosely enforced: casual, smart casual and formal. The ones that show up on your voyage will depend on the length of the cruise.

The only difference between the first two is that smart casual recommends pantsuits for ladies and jackets for the guys, but skirts or trousers with blouses or collared shirts are fine in both cases. Smart casual also strongly discourages jeans — even nice ones.

Royal Caribbean formal nights have the highest expectations for passengers, urging them to wear their finest cocktail dresses, evening gowns, suits or tuxes. As with the line's smart-casual dress code, jeans are not allowed in the main dining rooms on formal nights.

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