Norwegian Cruise Line® World Mastercard®

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Card Details and Application Link
Norwegian Cruise Line® World Mastercard®

FM Mini Review: Points are worth $0.01 each toward onboard credit or cruise purchase with Norwegian. Note that points expire 5 years after they are earned regardless of activity. This card offers very poor value for ongoing spend after meeting the welcome bonus requirements. Interestingly, it appears to be eligible for Bank of America Preferred Rewards, which would increase the bonus categories by as much as 75% for those with Bank of America's top-tier Platinum Honors.

Card Type: Mastercard World


Earning rate: 3x Norwegian cruise line purchases ⚬ 2x air and hotel

Application Tips

Bank of America Application Tips

  • 3/12 or 7/12 Rule: You won't be approved if you have opened 3 or more accounts, with any bank, in the past 12 months. For those with Bank of America deposit accounts, the rule changes to 7+ accounts.
  • 2/3/4 Rule: Max 2 consumer cards per rolling 2 months, 3 per rolling 12 months, and 4 per rolling 24 months.
  • 5 card limit: You will not get approved for a new consumer card if you already have 5 consumer BOA cards open
  • Get Same Card Again: With some BOA cards, must wait 24 months after either opening or cancelling, depending upon the card.
  • Hard inquiries are usually combined into 1 when initiated within 30 days but there have been reports of TransUnion not combining.

Click here to check your application status
If denied, call reconsideration here: 800-354-0401 (8am-7pm ET Mon-Fri); 866-695-6598 (business cards);

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