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Norwegian Cruise Line World Mastercard vs Bank of America Unlimited Cash Rewards Credit Card
Both are well-respected travel cards. The Norwegian Cruise Line World Mastercard comes from Bank of America at $0/yr; the Bank of America Unlimited Cash Rewards Credit Card 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 | Norwegian Cruise Line World Mastercard | Bank of America Unlimited Cash Rewards Credit Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | 25,000 WorldPoints | $200 cash rewards |
| Bonus value (est.) | $250 | $200 |
| Min spend to unlock bonus | $1,000 in 3 mo | $1,000 in 3 mo |
| Issuer | Bank of America | Bank of America |
| Card category | travel | cashback |
| Best earning category (Norwegian_cruise_line_purchases) | 3x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Norwegian Cruise Line World Mastercard
$0/yr · 25,000 WorldPoints
Read the full review
Bank of America Unlimited Cash Rewards Credit Card
$0/yr · $200 cash rewards
Editorial take: Bank of America Unlimited Cash Rewards Credit Card
Common questions
- Which card has the bigger sign-up bonus, Norwegian Cruise Line World Mastercard or Bank of America Unlimited Cash Rewards Credit Card?
- The Norwegian Cruise Line World Mastercard has the bigger bonus, 25,000 WorldPoints, worth roughly $250, versus $200 cash rewards (~$200) on the Bank of America Unlimited Cash Rewards Credit Card.
- Is the Norwegian Cruise Line World Mastercard's $0 annual fee worth it compared to the Bank of America Unlimited Cash Rewards Credit Card?
- The Norwegian Cruise Line World Mastercard has no annual fee, so the question is whether the Bank of America Unlimited Cash Rewards Credit Card's $0 fee is justified by its perks. If you'll use enough of the Bank of America Unlimited Cash Rewards Credit Card's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Norwegian Cruise Line World Mastercard.
- Can I have both the Norwegian Cruise Line World Mastercard and Bank of America Unlimited Cash Rewards Credit Card?
- Yes, though both are issued by Bank of America so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 Norwegian Cruise Line World Mastercard or the Bank of America Unlimited Cash Rewards Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Norwegian Cruise Line World Mastercard: $1,000 spend in 3 months. Bank of America Unlimited Cash Rewards Credit Card: $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.