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Norwegian Cruise Line World Mastercard vs IHG One Rewards Premier Business
Both are travel travel cards. The Norwegian Cruise Line World Mastercard comes from Bank of America at $0/yr; the IHG One Rewards Premier Business from Chase at $99/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 | IHG One Rewards Premier Business |
|---|---|---|
| Annual fee | $0 | $99 |
| Sign-up bonus | 25,000 WorldPoints | 140,000 Bonus Points |
| Bonus value (est.) | $250 | - |
| Min spend to unlock bonus | $1,000 in 3 mo | $4,000 in 3 mo |
| Issuer | Bank of America | Chase |
| 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
IHG One Rewards Premier Business
$99/yr · 140,000 Bonus Points
Editorial take: IHG One Rewards Premier Business
Common questions
- Which card has the bigger sign-up bonus, Norwegian Cruise Line World Mastercard or IHG One Rewards Premier Business?
- The Norwegian Cruise Line World Mastercard has a public bonus (25,000 WorldPoints, worth roughly $250), while the IHG One Rewards Premier Business doesn't advertise one right now.
- Is the Norwegian Cruise Line World Mastercard's $0 annual fee worth it compared to the IHG One Rewards Premier Business?
- The Norwegian Cruise Line World Mastercard has no annual fee, so the question is whether the IHG One Rewards Premier Business's $99 fee is justified by its perks. If you'll use enough of the IHG One Rewards Premier Business's benefits to clear $99 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 IHG One Rewards Premier Business?
- Yes, since they're from different issuers (Bank of America and Chase) 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 IHG One Rewards Premier 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. IHG One Rewards Premier Business: $4,000 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.