Norwegian Cruise Line World Mastercard vs Sapphire Reserve for Business

Common questions

Which card has the bigger sign-up bonus, Norwegian Cruise Line World Mastercard or Sapphire Reserve for Business?

The Sapphire Reserve for Business has the bigger bonus, 150,000 points, worth roughly $2,595, 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 Sapphire Reserve for Business?

The Norwegian Cruise Line World Mastercard has no annual fee, so the question is whether the Sapphire Reserve for Business's $795 fee is justified by its perks. If you'll use enough of the Sapphire Reserve for Business'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 Sapphire Reserve for 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 Sapphire Reserve 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. Sapphire Reserve for Business: $20,000 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.