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Side-by-side
BECU Business Low Rate Credit Card vs Norwegian Cruise Line World Mastercard
Both are well-respected travel cards. The BECU Business Low Rate Credit Card comes from BECU at $0/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
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | BECU Business Low Rate Credit Card | Norwegian Cruise Line World Mastercard |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | No welcome bonus | 25,000 WorldPoints |
| Bonus value (est.) | $0 | $250 |
| Min spend to unlock bonus | $0 in 0 mo | $1,000 in 3 mo |
| Issuer | BECU | Bank of America |
| Card category | low-interest | travel |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
BECU Business Low Rate Credit Card
$0/yr · No welcome bonus
Read the full review
Norwegian Cruise Line World Mastercard
$0/yr · 25,000 WorldPoints
Editorial take: Norwegian Cruise Line World Mastercard
Common questions
- Which card has the bigger sign-up bonus, BECU Business Low Rate Credit Card or Norwegian Cruise Line World Mastercard?
- The Norwegian Cruise Line World Mastercard has the bigger bonus, 25,000 WorldPoints, worth roughly $250, versus No welcome bonus (~$0) on the BECU Business Low Rate Credit Card.
- Is the BECU Business Low Rate Credit Card's $0 annual fee worth it compared to the Norwegian Cruise Line World Mastercard?
- The BECU Business Low Rate Credit Card has no annual fee, so the question is whether the Norwegian Cruise Line World Mastercard's $0 fee is justified by its perks. If you'll use enough of the Norwegian Cruise Line World Mastercard's benefits to clear $0 in value annually, it's worth it; otherwise stick with the BECU Business Low Rate Credit Card.
- Can I have both the BECU Business Low Rate Credit Card and Norwegian Cruise Line World Mastercard?
- Yes, since they're from different issuers (BECU 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 BECU Business Low Rate Credit Card or the Norwegian Cruise Line World Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Business Low Rate Credit Card: $0 spend in 0 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.