Norwegian Cruise Line World Mastercard vs TD First Class Visa Signature Credit Card

Common questions

Which card has the bigger sign-up bonus, Norwegian Cruise Line World Mastercard or TD First Class Visa Signature Credit Card?

The two cards offer comparable sign-up bonuses around $250. Pick based on which earning categories you actually use.

Is the Norwegian Cruise Line World Mastercard's $0 annual fee worth it compared to the TD First Class Visa Signature Credit Card?

The Norwegian Cruise Line World Mastercard has no annual fee, so the question is whether the TD First Class Visa Signature Credit Card's $89 fee is justified by its perks. If you'll use enough of the TD First Class Visa Signature Credit Card's benefits to clear $89 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 TD First Class Visa Signature Credit Card?

Yes, since they're from different issuers (Bank of America and TD Bank) 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 TD First Class Visa Signature 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. TD First Class Visa Signature Credit Card: $3,000 in 6 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.