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Marriott Bonvoy Business American Express Card vs Norwegian Cruise Line World Mastercard

Both are well-respected travel cards. The Marriott Bonvoy Business American Express Card comes from American Express at $125/yr; the Norwegian Cruise Line World Mastercard from Bank of America at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Marriott Bonvoy Business American Express Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,550 more in estimated value) than the Norwegian Cruise Line World Mastercard's. Get the Marriott Bonvoy Business American Express Card first; revisit the Norwegian Cruise Line World Mastercard after you've earned that bonus.

FeatureMarriott Bonvoy Business American Express CardNorwegian Cruise Line World Mastercard
Annual fee$125$0
Sign-up bonus150,000 points + $125 statement credit25,000 WorldPoints
Bonus value (est.)$1,800$250
Min spend to unlock bonus$8,000 in 6 mo$1,000 in 3 mo
IssuerAmerican ExpressBank of America
Card categoryhoteltravel
Best earning category (Marriott)6x1x
Transfer partnersNoneNone
Headline benefits
  • Annual 35k Free Night Award
  • 15 elite nights/year
  • 6x at Marriott
  • Silver status
    Read the full review
    Marriott Bonvoy Business American Express Card
    $125/yr · 150,000 points + $125 statement credit
    Read the full review
    Norwegian Cruise Line World Mastercard
    $0/yr · 25,000 WorldPoints

    Editorial take: Marriott Bonvoy Business American Express Card

    The Marriott business card pulls its weight on the annual Free Night cert alone, a 35k cat-property is routinely $250-400/night cash. Add 15 elite night credits and the dining stipend and the $125 fee is easy.

    Editorial take: Norwegian Cruise Line World Mastercard

    Common questions

    Which card has the bigger sign-up bonus, Marriott Bonvoy Business American Express Card or Norwegian Cruise Line World Mastercard?
    The Marriott Bonvoy Business American Express Card has the bigger bonus, 150,000 points + $125 statement credit, worth roughly $1,800, versus 25,000 WorldPoints (~$250) on the Norwegian Cruise Line World Mastercard.
    Is the Marriott Bonvoy Business American Express Card's $125 annual fee worth it compared to the Norwegian Cruise Line World Mastercard?
    At $125/yr, the Marriott Bonvoy Business American Express Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Norwegian Cruise Line World Mastercard's, pick the one whose perks you'll actually use.
    Can I have both the Marriott Bonvoy Business American Express Card and Norwegian Cruise Line World Mastercard?
    Yes, since they're from different issuers (American Express and Bank of America) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
    Should I get the Marriott Bonvoy Business American Express Card or the Norwegian Cruise Line World Mastercard first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Marriott Bonvoy Business American Express Card: $8,000 spend in 6 months. Norwegian Cruise Line World Mastercard: $1,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

    Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.