What credit score do I need for the Norwegian Cruise Line?

A good-to-excellent credit score is generally recommended.

How do I calculate rewards on the Norwegian Cruise Line?

Use WalletFlo's reward calculator at /tools/rewards-calc/norwegian-cruise-line to model net value on your spending.

Norwegian Cruise Line Review — Rewards, Fees & Benefits (2026)

Flo Analysis

Computed from live catalog data — where this card ranks, wins, and needs a caveat.

Category standing — vs 1,096 cards in the catalog

Everything else

Travel

Where it wins:
No annual fee — every dollar of rewards and credits is net value.

Overview

How this card fits in your wallet — fees, value, and who it's built for.

The Norwegian Cruise Line from Bank of America carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $301.20 in rewards plus $0.00 in credits and perks — $301.20 net per year before welcome bonuses.

How the points work

Earn 3 WorldPoints points on Norwegian Cruise Line purchases, including cruise fares

Earn 2 WorldPoints points on airline and hotel purchases

Earn 1 WorldPoints point on all other purchases

Earning rates

Category bonuses from our catalog — verify current offers on the issuer site.

CategoryRate

Everything elseNorwegian Cruise Line
3×
TravelHotels
2×
Everything elseAirfare
2×
Everything elseAll Purchases
1×

Welcome offer

20,000 points

Spend $1,000 in 90 days
Est. value: $200 (WalletFlo catalog)

Credits & Benefits

Statement credits and perks we model in net-value calculations.

Credits

No statement credits listed for this card

Benefits

No foreign transaction fees
Tap to Pay

Is the annual fee worth it?

Quick breakeven from stated credits and perks — open the full tool to dig deeper.

Credits & perks vs fee

Annual fee−$0

Stated credits+$0

Perks (est.)+$0

Net after credits & perks$0

Verdict

Credits & perks offset the fee on paper

Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.

Full Analysis Rewards Calculator

Flo calculator tools

Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.

Reward Calculator

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Side by Side Compare

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Is the Annual Fee Worth it?

Confirm net value on a no-annual-fee card.

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Points & Miles → $ Converter

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Awards vs Cash Calculator

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Transfer Partner Calculator

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Rewards Calculator

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$301/yr

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Estimates for illustrative purposes. See methodology

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FAQ's

Issuers generally look for good-to-excellent credit; exact thresholds vary.
There's no annual fee — focus on whether the earn rates beat cards you already carry.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.