Bank of America Norwegian Cruise Line Credit Card Review – Sail Away?

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Do you enjoy sailing on cruise lines? Taking your family aboard Norwegian Cruise Line could be the ultimate trip to commemorate a special occasion. If you sign up for the Bank of America Norwegian Cruise Line Credit Card, you will get aboard that luxury liner much more quickly because for every dollar you spend, you will receive WorldPoints which can be used towards free travel on the Norwegian Cruise Line. This MasterCard can be used as a consumer card, a rewards card or a debt management tool because of its generous introductory offers and rewards programs.

What Other Perks Do Consumers Receive When Signing Up for a Bank of America Norwegian Cruise Line Credit Card?

  • Get 10,000 Bonus WorldPoints Rewards when you make your first transaction within 60 days of receiving this card.
  • You will continue to receive 1 WorldPoint for every dollar you spend.
  • When you use the Bank of America Norwegian Cruise Line Credit Card to book travel on Norwegian Cruises, you get double rewards points.
  • Norwegian WorldPoints can be redeemed when your balance eclipses 1,000.
  • You can use your points for upgrades onboard Norweigian Cruise Line as well as top retailers, top travel destinations, gift certificates, auto rentals, last minute cruises and other exclusive offers.

When you sign up for this Bank of America Norwegian Cruise Line Credit Card, you will enjoy all of the perks including the rewards given to you. In fact, if your card is stolen, MasterCard and Bank of America will guarantee that you will have zero liability when it comes to fraudulent charges. This card is also beneficial to carry because it is backed by Bank of America which has an ATM network that is available in almost any large city throughout the country. You will enjoy a painless experience if you ever need to call Bank of America for customer service. If you need to view your statements or pay your bill online, Bank of America has created an award winning website that is both responsive and informative. You are also to be use text and mobile banking in regards to this card.

Features Included with the Bank of America Norwegian Cruise Line Credit Card

Bank of America ShopSafe – When you use your Bank of America Norwegian Cruise Line Credit Card to make online purchases, you are automatically enrolled in ShopSafe which allows you to use a temporary credit card number to buy goods online while charging your Norwegian Cruise Line credit card for the purchase. This adds another layer of protection between you and the bad guys that want to steal your credit card information. Remember, this is a complimentary service provided to you for no additional charge.

Account Alerts – Do you have an email account or a mobile phone? If you do, you have the ability to setup account alerts which will alert you when activity takes place on your card. This can help you thwart unauthorized charges while keeping you in the loop in regards to the purchases you make on a daily basis. It is also helpful to use these types of alerts to reference when balancing your check book as opposed to carrying around paper receipts. If you have a question about your Bank of America Norwegian Cruise Line Credit Card account but you do not wish to talk to one of Bank of America’s friendly account representatives, you can simply send a text to Bank of America and general account inquiries such as remaining credit limits and payment due dates can be obtained within seconds.

Save the Trees: Go Paperless – In the 21st century, many people do not like the hassle of having their snail mail inbox flooded with unnecessary paperwork. That is why the Bank of America Norwegian Cruise Line Credit Card will allow you to opt out of receiving a paper statement in the mail each month and instead get a paperless statement delivered to your email inbox.

Chip Technology – Your Bank of America Norwegian Cruise Line Credit Card will contain a special chip that allows you use your card physically in other countries. Credit fraudsters have become increasingly sophisticated and this chip will help Bank of America and international credit card networks recognize that you are making the specific purchase outside of the USA and not someone pretending to be you.

Additional Details Regarding the Bank of America Norwegian Cruise Line MasterCard

When you sign up for the Bank of America Norwegian Cruise Line Credit Card, you will be refreshed when you find out that this card has a $0 annual fee. If you are transferring a balance to this card, you will only pay 3% or $10 as the transfer fee, whichever amount is larger. Unfortunately, this card does not offer an introductory APR. Your standard APR is a variable rate between 12.99% and 22.99%. If you make a late payment on this account, your APR will raise to the penalty rate of 29.99% indefinitely. The minimum interest charge for this credit line is $1.50. If you do not wish to pay interest on this credit card, you just need to pay off your entire balance within 25 days of the end of the billing cycle. If you use this card in a country that does not use the US Dollar as the default currency, you will be charged a 3% fee on your transaction.

There are other fees that could apply to the Bank of America Norwegian Cruise Line Credit Card. For example, if you use this card to wire money, you will be charged either $10 or 5% of the transaction, whichever amount is larger. If you use this card to do a direct deposit into a checking account or a cash advance, you will be charged a $10 fee or 3% of the transaction depending on which amount is greater. If you use this card as overdraft protection for your Bank of America checking account, the card will be charged a $10 fee unless your checking account is overdrawn by less than $10 in which you will pay nothing. If you make a late payment, you can expect to pay $35 as a penalty. If you have a payment returned to you, a fee of $25 will be charged to your account.

Getting the Most from Your Good Credit

The Bank of America Norwegian Cruise Line Credit Card is a premier rewards card for anyone who loves sailing on large cruise ships. Using this card as a means to cover all of your monthly recurring bills and subsequently paying off the majority of the balance will result in lower interest fees, a higher credit rating and it gets you that much closer to taking a cruise with your loved ones aboard Norwegian Cruise Lines.

 

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