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Side-by-side
Norwegian Cruise Line World Mastercard vs United Gateway Card
Both are travel travel cards. The Norwegian Cruise Line World Mastercard comes from Bank of America at $0/yr; the United Gateway Card from Chase at $0/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 | United Gateway Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | 25,000 WorldPoints | 30,000 miles |
| Bonus value (est.) | $250 | $390 |
| Min spend to unlock bonus | $1,000 in 3 mo | $1,000 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
United Gateway Card
$0/yr · 30,000 miles
Editorial take: United Gateway Card
The no-fee United card. Doesn't include free bags (that starts with the Explorer), so it's really only worth it for credit-building purposes.
Common questions
- Which card has the bigger sign-up bonus, Norwegian Cruise Line World Mastercard or United Gateway Card?
- The United Gateway Card has the bigger bonus, 30,000 miles, worth roughly $390, 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 Gateway Card?
- The Norwegian Cruise Line World Mastercard has no annual fee, so the question is whether the United Gateway Card's $0 fee is justified by its perks. If you'll use enough of the United Gateway Card's benefits to clear $0 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 Gateway 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 Gateway 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 Gateway Card: $1,000 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.