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Norwegian Cruise Line World Mastercard vs PayPal Cashback Mastercard
Both are well-respected travel cards. The Norwegian Cruise Line World Mastercard comes from Bank of America at $0/yr; the PayPal Cashback Mastercard from Synchrony 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 | PayPal Cashback Mastercard |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | 25,000 WorldPoints | $200 cash back |
| Bonus value (est.) | $250 | $200 |
| Min spend to unlock bonus | $1,000 in 3 mo | $500 in 3 mo |
| Issuer | Bank of America | Synchrony |
| Card category | travel | cashback |
| 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
PayPal Cashback Mastercard
$0/yr · $200 cash back
Editorial take: PayPal Cashback Mastercard
Common questions
- Which card has the bigger sign-up bonus, Norwegian Cruise Line World Mastercard or PayPal Cashback Mastercard?
- The Norwegian Cruise Line World Mastercard has the bigger bonus, 25,000 WorldPoints, worth roughly $250, versus $200 cash back (~$200) on the PayPal Cashback Mastercard.
- Is the Norwegian Cruise Line World Mastercard's $0 annual fee worth it compared to the PayPal Cashback Mastercard?
- The Norwegian Cruise Line World Mastercard has no annual fee, so the question is whether the PayPal Cashback Mastercard's $0 fee is justified by its perks. If you'll use enough of the PayPal Cashback Mastercard'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 PayPal Cashback Mastercard?
- Yes, since they're from different issuers (Bank of America and Synchrony) 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 PayPal Cashback 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. PayPal Cashback Mastercard: $500 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.