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