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Onboard Account - US or foreign transaction?

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I figured this may have been asked before, but I couldn't find any threads on the topic.


I know that NCL is headquartered in Miami, and as far as I can tell the Escape is flagged in the Bahamas.


When my onboard folio is settled at the end of an Escape cruise, will the charge "register" as a US or foreign transaction on my credit card?

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Although for at least some credit cards (BoA Cash Rewards in particular), the terms specifically state that any transaction made or processed outside of the US---even if denominated in USD---would incur a 3% foreign transaction fee.


But reflecting the Miami address sure seems to me like a US-based transaction.

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My credit card had one transaction, listed as :




I am Canadian and the charge reflects the amount in CAD (My invoice was in US dollars so did a quick math equation to make sure it was correct).

I will say that they did not tell me what the conversion rate was so needed to check my credit card company rate.


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