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Side-by-side
Norwegian Cruise Line World Mastercard vs Chase Sapphire Reserve
Both are travel travel cards. The Norwegian Cruise Line World Mastercard comes from Bank of America at $0/yr; the Chase Sapphire Reserve from Chase at $795/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Chase Sapphire Reserve is the stronger pick today, the sign-up bonus is meaningfully larger ($2,250 more in estimated value) than the Norwegian Cruise Line World Mastercard's. Get the Chase Sapphire Reserve first; revisit the Norwegian Cruise Line World Mastercard after you've earned that bonus.
| Feature | Norwegian Cruise Line World Mastercard | Chase Sapphire Reserve |
|---|---|---|
| Annual fee | $0 | $795 |
| Sign-up bonus | 25,000 WorldPoints | 125,000 points |
| Bonus value (est.) | $250 | $2,500 |
| Min spend to unlock bonus | $1,000 in 3 mo | $6,000 in 3 mo |
| Issuer | Bank of America | Chase |
| Card category | travel | travel |
| Best earning category (Norwegian_cruise_line_purchases) | 3x | 1x |
| Transfer partners | None | chase-ur |
| Headline benefits |
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Read the full review
Norwegian Cruise Line World Mastercard
$0/yr · 25,000 WorldPoints
Read the full review
Chase Sapphire Reserve
$795/yr · 125,000 points
Editorial take: Chase Sapphire Reserve
Recently revamped with over $3,000 in annual credits and perks. If you travel three or more times a year and live near an airport with a Sapphire lounge, this card is a smart choice.
Common questions
- Which card has the bigger sign-up bonus, Norwegian Cruise Line World Mastercard or Chase Sapphire Reserve?
- The Chase Sapphire Reserve has the bigger bonus, 125,000 points, worth roughly $2,500, versus 25,000 WorldPoints (~$250) on the Norwegian Cruise Line World Mastercard.
- Is the Norwegian Cruise Line World Mastercard's $0 annual fee worth it compared to the Chase Sapphire Reserve?
- The Norwegian Cruise Line World Mastercard has no annual fee, so the question is whether the Chase Sapphire Reserve's $795 fee is justified by its perks. If you'll use enough of the Chase Sapphire Reserve's benefits to clear $795 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 Chase Sapphire Reserve?
- 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 Chase Sapphire Reserve 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. Chase Sapphire Reserve: $6,000 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.