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Side-by-side
Norwegian Cruise Line World Mastercard vs Navy Federal More Rewards / Flagship Rewards
Both are travel travel cards. The Norwegian Cruise Line World Mastercard comes from Bank of America at $0/yr; the Navy Federal More Rewards / Flagship Rewards from Navy Federal Credit Union at $49/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 | Navy Federal More Rewards / Flagship Rewards |
|---|---|---|
| Annual fee | $0 | $49 |
| Sign-up bonus | 25,000 WorldPoints | 35,000 bonus points (a $350 value) |
| Bonus value (est.) | $250 | $350 |
| Min spend to unlock bonus | $1,000 in 3 mo | $3,500 in ? mo |
| Issuer | Bank of America | Navy Federal Credit Union |
| 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
Navy Federal More Rewards / Flagship Rewards
$49/yr · 35,000 bonus points (a $350 value)
Editorial take: Navy Federal More Rewards / Flagship Rewards
Common questions
- Which card has the bigger sign-up bonus, Norwegian Cruise Line World Mastercard or Navy Federal More Rewards / Flagship Rewards?
- The Navy Federal More Rewards / Flagship Rewards has the bigger bonus, 35,000 bonus points (a $350 value), worth roughly $350, 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 Navy Federal More Rewards / Flagship Rewards?
- The Norwegian Cruise Line World Mastercard has no annual fee, so the question is whether the Navy Federal More Rewards / Flagship Rewards's $49 fee is justified by its perks. If you'll use enough of the Navy Federal More Rewards / Flagship Rewards's benefits to clear $49 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 Navy Federal More Rewards / Flagship Rewards?
- Yes, since they're from different issuers (Bank of America and Navy Federal Credit Union) 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 Navy Federal More Rewards / Flagship Rewards 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. Navy Federal More Rewards / Flagship Rewards: $3,500 in ? 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.