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Norwegian Cruise Line World Mastercard vs World of Hyatt Credit Card
Both are well-respected travel cards. The Norwegian Cruise Line World Mastercard comes from Bank of America at $0/yr; the World of Hyatt Credit Card from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the World of Hyatt Credit Card is the stronger pick today, the sign-up bonus is meaningfully larger ($770 more in estimated value) than the Norwegian Cruise Line World Mastercard's. Get the World of Hyatt Credit Card first; revisit the Norwegian Cruise Line World Mastercard after you've earned that bonus.
| Feature | Norwegian Cruise Line World Mastercard | World of Hyatt Credit Card |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | 25,000 WorldPoints | Up to 60,000 Bonus Points |
| Bonus value (est.) | $250 | $1,020 |
| Min spend to unlock bonus | $1,000 in 3 mo | - |
| Issuer | Bank of America | Chase |
| Card category | travel | hotel |
| Best earning category (Norwegian_cruise_line_purchases) | 3x | 1x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
Norwegian Cruise Line World Mastercard
$0/yr · 25,000 WorldPoints
Read the full review
World of Hyatt Credit Card
$95/yr · Up to 60,000 Bonus Points
Editorial take: World of Hyatt Credit Card
The anniversary free night at a Category 1-4 Hyatt easily covers the $95 fee, even a Category 1 Hyatt Place clears it. If you stay at any Hyatt once a year, this card pays for itself.
Common questions
- Which card has the bigger sign-up bonus, Norwegian Cruise Line World Mastercard or World of Hyatt Credit Card?
- The World of Hyatt Credit Card has the bigger bonus, Up to 60,000 Bonus Points, worth roughly $1,020, 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 World of Hyatt Credit Card?
- The Norwegian Cruise Line World Mastercard has no annual fee, so the question is whether the World of Hyatt Credit Card's $95 fee is justified by its perks. If you'll use enough of the World of Hyatt Credit Card's benefits to clear $95 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 World of Hyatt Credit 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 World of Hyatt Credit 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. World of Hyatt Credit Card: no published min spend. 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.