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Side-by-side
Norwegian Cruise Line World Mastercard vs Capital One Spark Miles for Business
Both are well-respected travel cards. The Norwegian Cruise Line World Mastercard comes from Bank of America at $0/yr; the Capital One Spark Miles for Business from Capital One at $95/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 | Capital One Spark Miles for Business |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | 25,000 WorldPoints | |
| Bonus value (est.) | $250 | - |
| Min spend to unlock bonus | $1,000 in 3 mo | - |
| Issuer | Bank of America | Capital One |
| Card category | travel | business |
| 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
Capital One Spark Miles for Business
$95/yr ·
Editorial take: Capital One Spark Miles for Business
Common questions
- Which card has the bigger sign-up bonus, Norwegian Cruise Line World Mastercard or Capital One Spark Miles for Business?
- The Norwegian Cruise Line World Mastercard has a public bonus (25,000 WorldPoints, worth roughly $250), while the Capital One Spark Miles for Business doesn't advertise one right now.
- Is the Norwegian Cruise Line World Mastercard's $0 annual fee worth it compared to the Capital One Spark Miles for Business?
- The Norwegian Cruise Line World Mastercard has no annual fee, so the question is whether the Capital One Spark Miles for Business's $95 fee is justified by its perks. If you'll use enough of the Capital One Spark Miles for Business's benefits to clear $95 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 Capital One Spark Miles for Business?
- Yes, since they're from different issuers (Bank of America and Capital One) 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 Norwegian Cruise Line World Mastercard or the Capital One Spark Miles for Business 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. Capital One Spark Miles for Business: no published min spend. 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.