Norwegian Cruise Credit Card
Consumer Reviews, Credit Score and Income Needed, Credit Limits

Picture of Norwegian Cruise Line® World Mastercard®
25 Reviews
Consumer Rating:

Apply Here 4.7
Average Score:
5 Star
4 Star
3 Star
2 Star
1 Star
1 Star 2 Star 3 Star 4 Star 5 Star
Sort By

Credit Score: 785 Credit Limit: 785 Age: 35-44
Approved Never after Bankruptcy
Posted 06/07 2018
Overall Rating:
my credit score is 754 with transUnion and 748 with equifax.
Credit Score: 768 Credit Limit: 10000 Age: 45-54
Posted 07/13 2017
Overall Rating:
The room upgrades are indeed the best way to make use of your points. In fact, I would say that it has even more value the longer your trip. On shorter cruises (ie 3-4 day), there is not much difference between inside and ocean view. But on 14-day cruises, the difference is a lot. In fact, I once did a mega month cruise to Asia which was actually 3 cruise in one and my booking was all under one code. Made use of the 60000 points double upgrade and got a balcony view for all three legs. Did not even bother to find out the price difference but it must have been a lot. Definitely got much more value than my 60k pts ($600).
Credit Score: 756 Credit Limit: 8000 Age: 45-54
Posted 06/24 2017
Overall Rating:
I am a math guy so here is how I broke down on our latest use of the card. Cruise was just me and my wife.

1. Paid $5000 for the last cruise - got 15,000 pts.
2. Spent $15,000 on the card within the last year = 15,000 pts. Now I have 30,000 points
3. Booked new cruise - earned another 15,000 points (price about the same as last one).
4. Booked Ocean View guarantee cost $760pp.
5. Used 30,000 pts to upgrade to Balcony view $1500pp. Also had to pay $200.

Spending to get 30,000pts = $20,000
Value of upgrade = ($1500 X 2) - $200 - ($750 X2) = $1300.
Value of rewards = 1300/20000 = 6.5%

Now let me ask everyone this: Which credit card gives you 6.5% return on your spending? Not Capital One, Not Barclays Arrival, Not Citi DoubleCash back.

If you are a cruise junkie, sail only with Norwegian, then this card is a no brainer.

Credit Score: 762 Credit Limit: 9000 Age: 45-54
Posted 04/18 2017
Overall Rating:
On my last trip I paid $100 extra to upgrade from inside guarantee to ocean view guarantee. Then I used 30,000 points to upgrade from ocean view guarantee to balcony guarantee. I had to pay $200 extra. But if I were to upgrade paying cash, it would be $1600 out of pocket. And 30,000 would only be worth $300 in statement credits or OBC. So net, I came out $1400 ahead. If you include the $100 I paid initially and the $300 value of the 30,000 points, you can say I used up $600 ($100 + $200 + 30,000 pts) to get $1600 in extra value from inside guaranteed to balcony view guaranteed. Upgrading rooms is by far the best way to use your points.
Credit Score: 814 Credit Limit: 11000 Age: 45-54
Posted 04/05 2017
Overall Rating:
If you only sail Norwegian and intend to charge all your Norwegian purchases to the card and even non-norwegian ones, then this is the card to get. And as many have stated here, using points for room upgrade is the way to go. You receive triple points and that kind of adds up. After one trip for a couple or family, you would be close to 20,000 points and then you have to earn the rest.

On the last trip, the ocean view guarantee room cost about $750 per person (pp). I used 30,000 points to upgrade to a balcony guaranteed ($1400 per person). I cruised with my wife so essentially, I used 30,000 pts ($300) value and get $1300 in value (for 2 people but 1 room).
Credit Score: 745 Credit Limit: 6000 Age: 45-54
Posted 03/28 2017
Overall Rating:
My DH has this card and he finally persuaded me to get one as well. It turns out that you can transfer points to one another (or rather combine points). The 10,000 sign up bonus tipped us over the 60,000 points (combined with what my DH had) and we were able to do the upgrade from ocean view to balcony. That upgrade alone was worth $1700 at that time.
Credit Score: 683 Credit Limit: 3500 Age: 45-54
Posted 01/17 2017
Overall Rating:
I used to have this card a long time ago. Then I cancelled because I have read that other cash back or travel reward cards have better value. Other sites mentioned cards like Barclaycard Arrival, Capital One venture giving 2X on every purchase.

Then, I started reading the forums again and found out about the 60,000 point award where you get the double cross meta upgrade and after doing the math, it beats any other reward or cash back card. So I applied again and am looking forward to earning points and redeeming this way.
Credit Score: 793 Credit Limit: 11000 Age: 35-44
Posted 12/10 2016
Overall Rating:
I used to use my points for OBC. It was basically 10,000 for $100. Then I found out that everyone was talking about the room upgrade and I finally used my points that way on my last trip.

I booked at 14 night cruise from Boston to New Orleans we only paid for an ocean view stateroom (about $1800). We then used 60,000 points (which would equal $600 in OBC) for a Cross Meta Upgrade to a balcony. The balcony would have cost $1700 more.
Credit Score: 740 Credit Limit: 8000 Age: 45-54
Posted 11/09 2016
Overall Rating:
Just got my card and here is my experience with the bonus points. After your first billing cycle, the points will appear in your rewards portion of the account. I plan to accumulate some more points and perhaps redeem for an OBC for the next trip.
Credit Score: 735 Credit Limit: 7000 Age: 45-54
Posted 07/22 2016
Overall Rating:
I have always used my points for either OBC or to reduce the price of a cruise. I am now reading all of you using points to upgrade state rooms and I think I will be trying this out for my next cruise. First, I have to get to 60,000 points! Thanks for all the tips.
Credit Score: 815 Credit Limit: 13000 Age: 55-64
Posted 05/07 2016
Overall Rating:
If you just look at how you earn points on cruise credit cards, you would conclude that you are better off with a cash back card. Not for Norwegian Cruise. As others have mentioned here, if you use your points for room upgrades, that is where you get the most value for your points.

I used 30,000 points to go from an ocean view cabin to a balcony for our Alaska cruise. That is a $900 value in savings vs $300 if I had used the 30,000 points for say OBC.
Credit Score: 815 Credit Limit: 14000 Age: 45-54
Posted 04/21 2016
Overall Rating:
I got this like 2 weeks before my cruise and wanted to use the bonus points. But I found out that the bonus points only post after your first statement. So here some advice. If you want to use the bonus points for your next cruise, apply this card at least 2 months before.
Credit Score: 733 Credit Limit: 10000 Age: 45-54
Posted 03/18 2016
Overall Rating:
Got this card after my 3rd NCL trip and decided that I will be cruising with them going forward. Like others, I found out about the room upgrades and have used this a couple of times. The best time to use it is on longer cruises. You save more when you go on 14 days than 3-4 days.
Credit Score: 650 Credit Limit: 1500 Age: 45-54
Posted 01/12 2016
Overall Rating:
Ok - so my credit is not the greatest but come on, $1500 for a credit line is too little. How am I supposed to earn those points for room upgrades? Looks like I am going to have to ask for a CLI.

Credit Score: 645 Credit Limit: 2000 Age: 35-44
Posted 10/16 2015
Overall Rating:
I am envious of all of you who are able to use 60,000 points for the room upgrades. Looks like it is the best way to redeem NCL points. My credit is not so great and I have a relatively low limit and there is no way I can earn that amount (or even 30,000). I guess it is still OBC for me.
Credit Score: 777 Credit Limit: 12000 Age: 45-54
Posted 08/28 2015
Overall Rating:
I got this card together with my DH and we both got 10,000 bonus points each. Our next cruise was about 2 months away. After the points posted (after the first billing statement), we transferred the points to my account and got $200 of on board credit.
Credit Score: 802 Credit Limit: 15000 Age: 45-54
Posted 07/07 2015
Overall Rating:
Noticed that BOA is now giving 3X for NCL purchases, up from 2X. Though to get statement credit, it appears you now need 25,000 for $250 (ie 1% redemption). If you have lower than 25,000 points, you get less than 1% back (ie if you choose to redeem for statement credit).
Credit Score: 695 Credit Limit: 2000 Age: 35-44
Posted 05/29 2015
Overall Rating:
I have had this card for about 7 months. My score was below 700 when I applied and I was given a small limit of $2000. I just requested a credit limit increase and was given a $5000 limit bump. Looking forward to using the points I have earned soon.
Credit Score: 759 Credit Limit: 8000 Age: 45-54
Posted 04/07 2015
Overall Rating:
I have had this card for many years (can't even remember how many years it is). I have used my points for on board credits, casino credits, specialty dining. Never had any problems redeeming rewards. If you always cruise with NCL, then get this card.
Credit Score: 810 Credit Limit: 15000 Age: 45-54
Posted 03/11 2015
Overall Rating:
I got a pretty decent credit line by BOA. I cruise mainly with NCL though when I started it was mainly with Carnival. I have used points for a free Bahamas cruise (very nice). I never had any problems redeeming points and this card has served me well.
Credit Score: 780 Credit Limit: 10000 Age: 35-44
Posted 01/22 2015
Overall Rating:
After studying the reward charts, I have come to the conclusion that the 60,000 points room upgrade is the best value. This is how I work it. I do not use my points until they reach 60,000. Then I use them to get a balcony room for the price of an inside. If you use the 60,000 points as credit, you get $600 in value. But if you do the room upgrade, you can save over $1,500!
Credit Score: 730 Credit Limit: 7000 Age: 45-54
Posted 11/25 2014
Overall Rating:
I got the card recently and just paid my next Alaska cruise with the card. I have now accumulated over 40,000 points and looks like I will go for the statement credit.
Credit Score: 756 Credit Limit: 8000 Age: 25-34
Posted 10/09 2014
Overall Rating:
I have had this card for 3 years and I love it. If you cruise with NCL, then get this card. Never had any problems with it.

Here's one tip though. I find that the best value to redeem your points is with a room upgrade. On my most recent booking, I paid $100 per person extra to upgrade from a inside guarantee to an ocean view guarantee. Then I used 30,000 points to upgrade from the ocean view guarantee to a balcony guarantee. It cost me $250 more but it would have ended up costing me $1500 without points. So rather than getting $300 for 30,000 points, I ended up getting $1250 in value.
Credit Score: 690 Credit Limit: 4000 Age: 35-44
Posted 08/24 2014
Overall Rating:
When I got my card a few years ago, it was just in time to redeem the 10,000 point bonus for a $100 OBC. On my next cruise, I also used points for OBC. What I learnt was that you cannot use it for gratuities and in the casino. You also lose them if you do not use them up. Since then, I have either used points for credits off cruise or if I have enough points, then for a room upgrade (which has the best value).
Credit Score: 768 Credit Limit: 12000 Age: 45-54
Posted 07/02 2014
Overall Rating:
Got this card after cruising with Norwegian twice. In fact, I should have done it earlier. I was given a nice credit line of $12k, which works out well for our spending.

I love redeeming points using the Double Cross Meta Upgrade (60,000 points for double room upgrade). On my latest Panama Canal trip, I had originally booked a Ocean View guaranteed. Then after earning enough points, I called NCL and spoke to the worldpoints rep. I repriced my booking to inside stateroom and used the points to upgrade to balcony view. I ended up paying $1k less!

This is the best bang for the buck way to redeem NCL worldpoints.