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Side-by-side
Norwegian Cruise Line World Mastercard vs United Club Business Card
Both are well-respected travel cards. The Norwegian Cruise Line World Mastercard comes from Bank of America at $0/yr; the United Club Business Card from Chase at $695/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the United Club Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,250 more in estimated value) than the Norwegian Cruise Line World Mastercard's. Get the United Club Business Card first; revisit the Norwegian Cruise Line World Mastercard after you've earned that bonus.
| Feature | Norwegian Cruise Line World Mastercard | United Club Business Card |
|---|---|---|
| Annual fee | $0 | $695 |
| Sign-up bonus | 25,000 WorldPoints | 100,000 miles + 2,000 PQP |
| Bonus value (est.) | $250 | $1,500 |
| Min spend to unlock bonus | $1,000 in 3 mo | $5,000 in 3 mo |
| Issuer | Bank of America | Chase |
| 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
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP
Editorial take: United Club Business Card
Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.
Common questions
- Which card has the bigger sign-up bonus, Norwegian Cruise Line World Mastercard or United Club Business Card?
- The United Club Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, 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 United Club Business Card?
- The Norwegian Cruise Line World Mastercard has no annual fee, so the question is whether the United Club Business Card's $695 fee is justified by its perks. If you'll use enough of the United Club Business Card's benefits to clear $695 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 United Club Business Card?
- 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 United Club Business 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. United Club Business Card: $5,000 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.