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Norwegian Cruise Line World Mastercard vs Avianca LifeMiles American Express Elite Card
Both are travel travel cards. The Norwegian Cruise Line World Mastercard comes from Bank of America at $0/yr; the Avianca LifeMiles American Express Elite Card from Cardless at $249/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 | Avianca LifeMiles American Express Elite Card |
|---|---|---|
| Annual fee | $0 | $249 |
| Sign-up bonus | 25,000 WorldPoints | Not advertised |
| Bonus value (est.) | $250 | - |
| Min spend to unlock bonus | $1,000 in 3 mo | - |
| Issuer | Bank of America | Cardless |
| Card category | travel | travel |
| 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
Avianca LifeMiles American Express Elite Card
$249/yr ·
Editorial take: Avianca LifeMiles American Express Elite Card
Common questions
- Which card has the bigger sign-up bonus, Norwegian Cruise Line World Mastercard or Avianca LifeMiles American Express Elite Card?
- The Norwegian Cruise Line World Mastercard has a public bonus (25,000 WorldPoints, worth roughly $250), while the Avianca LifeMiles American Express Elite Card doesn't advertise one right now.
- Is the Norwegian Cruise Line World Mastercard's $0 annual fee worth it compared to the Avianca LifeMiles American Express Elite Card?
- The Norwegian Cruise Line World Mastercard has no annual fee, so the question is whether the Avianca LifeMiles American Express Elite Card's $249 fee is justified by its perks. If you'll use enough of the Avianca LifeMiles American Express Elite Card's benefits to clear $249 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 Avianca LifeMiles American Express Elite Card?
- Yes, since they're from different issuers (Bank of America and Cardless) 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 Avianca LifeMiles American Express Elite 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. Avianca LifeMiles American Express Elite Card: 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.