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Side-by-side
Norwegian Cruise Line World Mastercard vs CitiBusiness / AAdvantage Platinum Select Mastercard
Both are travel travel cards. The Norwegian Cruise Line World Mastercard comes from Bank of America at $0/yr; the CitiBusiness / AAdvantage Platinum Select Mastercard from Citi at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the CitiBusiness / AAdvantage Platinum Select Mastercard is the stronger pick today, the sign-up bonus is meaningfully larger ($823 more in estimated value) than the Norwegian Cruise Line World Mastercard's. Get the CitiBusiness / AAdvantage Platinum Select Mastercard first; revisit the Norwegian Cruise Line World Mastercard after you've earned that bonus.
| Feature | Norwegian Cruise Line World Mastercard | CitiBusiness / AAdvantage Platinum Select Mastercard |
|---|---|---|
| Annual fee | $0 | $99 |
| Sign-up bonus | 25,000 WorldPoints | 65,000 miles |
| Bonus value (est.) | $250 | $1,073 |
| Min spend to unlock bonus | $1,000 in 3 mo | $4,000 in 4 mo |
| Issuer | Bank of America | Citi |
| Card category | travel | travel |
| Best earning category (Norwegian_cruise_line_purchases) | 3x | 1x |
| Transfer partners | None | aadvantage |
| Headline benefits |
Read the full review
Norwegian Cruise Line World Mastercard
$0/yr · 25,000 WorldPoints
Read the full review
CitiBusiness / AAdvantage Platinum Select Mastercard
$99/yr · 65,000 miles
Editorial take: CitiBusiness / AAdvantage Platinum Select Mastercard
Common questions
- Which card has the bigger sign-up bonus, Norwegian Cruise Line World Mastercard or CitiBusiness / AAdvantage Platinum Select Mastercard?
- The CitiBusiness / AAdvantage Platinum Select Mastercard has the bigger bonus, 65,000 miles, worth roughly $1,073, 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 CitiBusiness / AAdvantage Platinum Select Mastercard?
- The Norwegian Cruise Line World Mastercard has no annual fee, so the question is whether the CitiBusiness / AAdvantage Platinum Select Mastercard's $99 fee is justified by its perks. If you'll use enough of the CitiBusiness / AAdvantage Platinum Select Mastercard's benefits to clear $99 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 CitiBusiness / AAdvantage Platinum Select Mastercard?
- Yes, since they're from different issuers (Bank of America and Citi) 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 CitiBusiness / AAdvantage Platinum Select Mastercard 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. CitiBusiness / AAdvantage Platinum Select Mastercard: $4,000 in 4 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.