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Side-by-side
Norwegian Cruise Line World Mastercard vs United Quest Card
Both are travel travel cards. The Norwegian Cruise Line World Mastercard comes from Bank of America at $0/yr; the United Quest Card from Chase at $350/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the United Quest Card is the stronger pick today, the sign-up bonus is meaningfully larger ($700 more in estimated value) than the Norwegian Cruise Line World Mastercard's. Get the United Quest Card first; revisit the Norwegian Cruise Line World Mastercard after you've earned that bonus.
| Feature | Norwegian Cruise Line World Mastercard | United Quest Card |
|---|---|---|
| Annual fee | $0 | $350 |
| Sign-up bonus | 25,000 WorldPoints | 70,000 miles + 500 PQP |
| Bonus value (est.) | $250 | $950 |
| 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 | mileageplus |
| Headline benefits |
|
Read the full review
Norwegian Cruise Line World Mastercard
$0/yr · 25,000 WorldPoints
Read the full review
United Quest Card
$350/yr · 70,000 miles + 500 PQP
Editorial take: United Quest Card
If you fly United 3+ times a year, the $125 travel credit, two free bags, and 10k miles of rebates on award flights ($100+ in direct value) make this card pay for itself.
Common questions
- Which card has the bigger sign-up bonus, Norwegian Cruise Line World Mastercard or United Quest Card?
- The United Quest Card has the bigger bonus, 70,000 miles + 500 PQP, worth roughly $950, 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 Quest Card?
- The Norwegian Cruise Line World Mastercard has no annual fee, so the question is whether the United Quest Card's $350 fee is justified by its perks. If you'll use enough of the United Quest Card's benefits to clear $350 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 Quest 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 Quest 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 Quest Card: $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.