Our illustration, not the card’s design
Bank of America credit card
Norwegian Cruise Line® World Mastercard® Credit Card
No annual fee. 20,000 WorldPoints® points after you spend $1,000 in 3 months. Purchase APR 17.74–27.74%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · bankofamerica.com
“Online Offer: 20,000 bonus points”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · bankofamerica.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · bankofamerica.com
“APR: 17.74% - 27.74%”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB
“No annual fee † and no foreign transaction fees †”
Select an underlined figure to see where it comes from.
Bank of America’s terms
Welcome offer
20,000 points
After you spend $1,000 on purchases in your first 3 months.
- Spending it takes
- $333 a month
- for 3 months
- Tracking since
- Sep 29, 2026
- history will chart every change
Make the required purchases in the first 90 days of account opening; the bonus can be redeemed for $200 off your next Norwegian cruise.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $320 | $120 | |
| Typical spender | $520 | $320 | |
| Heavy spender | $1,005 | $805 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 1¢.
Not counted: whether rewards can be spent beyond WorldPoints (not stated).
$120a year
$320 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.
$320a year
$520 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.
$805a year
$1,005 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 75% of the 732 cards we track.
- No annual fee, like about 85% of the 711 cards we track.
- Lower top APR than about 55% of the 163 cards on our Sign-up bonuses list (see the list).
Other points cards with no annual fee
- Kirtland FCU VISA PLATINUM REWARDSKirtland Federal Credit Union · No annual fee+$435 a year
- CareCredit MastercardSynchrony · No annual fee+$390 a year
- Advanced Financial FCU Everyday Rewards VisaAdvanced Financial Federal Credit Union · No annual fee+$375 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
WorldPoints
How you earn
- 3×
- Norwegian purchases
- 2×
- eligible air and hotel purchases
- 1×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 1¢.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · bankofamerica.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · bankofamerica.com “APR: 17.74% - 27.74%” |
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 Issuer's page · bankofamerica.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · bankofamerica.com “17.74% - 27.74%” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · bankofamerica.com “5% of the amount of each transaction.” |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 Issuer's page · bankofamerica.com The source states this figure; we have no exact sentence on file yet. |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Issuer's page · bankofamerica.com “5% of the amount of each transaction.” |
| Penalty APR | Receipt · Penalty APRChecked Nov 1, 2026 Issuer's page · bankofamerica.com “Up to 29.99% , based on your creditworthiness.” |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Issuer's page · bankofamerica.com “Up to $41 .” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB “No annual fee † and no foreign transaction fees †” |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 Issuer's page · bankofamerica.com “Your due date is at least 25 days after the close of each billing cycle.” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- None · bankofamerica.com, since Oct 8, 2026
- Does it charge a foreign transaction fee?
- No. · Reported to the CFPB, since Oct 4, 2026
- What is the purchase APR?
- 17.74–27.74% APR · bankofamerica.com, since Sep 29, 2026
- Is there a welcome bonus?
- 20,000 WorldPoints points after $1,000 in purchases in 3 months. · bankofamerica.com, since Oct 11, 2026