Norwegian Cruise Line® World Mastercard® from Bank of America: annual fee, APR and rewards

Fact sheet for the Norwegian Cruise Line® World Mastercard®, issued by Bank of America, with no annual fee and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Bank of America
Network	Mastercard
Annual fee	$0
Rewards	Points: Earn 3 points for every $1 on eligible Norwegian Cruise Line purchases; 2 points for every $1 at airlines and hotels; 1 point for every $1 on other purchases
Purchase APR	17.74% to 27.74%, based on your creditworthiness, when you open your account. This APR will vary with the market based on the Prime Rate.
Balance transfer fee	5% of the amount of each transaction
Sign-up bonus	Online Offer: 20,000 bonus points after making at least $1,000 in purchases that post within 90 days of account opening
Foreign transaction fee	None
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 21.74%, with a range of 17.49% to 28.24%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.