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NCL Mastercard FAQ

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A member suggested that I "sticky" a thread dedicated to the NCL Mastercard. Great idea! Please post all the facts you have on the card and the program and answer as many of those FAQ's that you've seen here on the board. You can even link to other threads on Cruise Critic if needed. Let's try to make this thread "Just The Facts" so members can get the information without having to search through pages of posts. Thanks!

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Basic facts:

- Earn 25 Bonus Points after the first qualifying transaction

- Earn 4 Points for every $100 spent on Norwegian Cruise Line purchases*

- Earn 3 Points for every $100 spent on purchases*

- Redeem for stateroom upgrades or cruise discount. See Redemption Options for details

- No Annual Fee

 

* I've always received this in a % of purchases, thus you don't have to spend $100 to get 3 or 4 points, rather you 3% or 4% of your purchases (take your total monthly purchases, multiply by 3% for your monthly points earned. Add 1% for any NCL/NCLA purchases.

 

While there is also a 0% balance transfer option, this is generally not worthwhile since you'd be carrying a balance, and payments would go against the balance transfer instead of your purchases, meaning as an end result you'd be paying interest on your charges that are earning points (not necessarily the best way to utilize this card).

 

Application Info

https://wwwa.applyonlinenow.com/USCCapp/Ctl/entry?sc=FAAH6C&mc=A0000028IT

 

Application Link

https://wwwa.applyonlinenow.com/USCCapp/Ctl/entry?sc=FAAH6C&mc=A0000028IT#apply

 

You can earn up to $1000 per year, with a maximum of 250 points in any given month. This equates to a maximum of $33,333 in purchases annually, with a maximum of $8,333 in any given month.

 

Redemption Options:

 

Points Cruise Discounts

500 - $500 cruise discount

1,000 - $1,000 cruise discount

1,500 - $1,500 cruise discount

2,000 - $2,000 cruise discount

2,500 - $2,500 cruise discount

3,000 - $3,000 cruise discount

 

Points Stateroom Upgrades (generally NOT considered a wise use of points)

100 - One category upgrade for first person in stateroom

200 - One category upgrade for first and second person in stateroom

300 - Two category upgrade for first person and one category upgrade for second person in stateroom

400 - Two category upgrade for first and second person in stateroom

 

To Redeem certificates:

Call the # on the back of the card (it should be 800 421-2110)

 

Ask the rep. if they're familiar with the Compass Rewards program, if they are, it should be a breeze, if not, you may be better off calling again till you get a rep who is familiar with the program.

 

Certificates come via regular mail, usually within 1-2 weeks, but to be safe, generally request at least 3-4 weeks before final payment is due.

 

Caveats

- Points expire in 3 years.

 

- Certificates expire 1 year from date of issuance. NOTE: you must SAIL by this expiration date, not turn the certificate(s) in to NCL.

 

- Discount Certificates are good towards final payment on any booked fare. You may book directly with NCL or with the TA of your choosing.

 

- Discount Certificates cannot "officially" be used against your deposit, however several users have posted that they've overpaid with the certificates and received credits on their credit cards for their previously paid deposits. That said, it's at your own risk, as the "official" policy in the card terms that any unused overages are lost.

 

- Cardholder or authorized user must reside in the cabin to use the certificates

 

- Photocopy both sides of your certificates before forwarding them to NCL!

 

- Certificates should be mailed directly to NCL Accounting to avoid problems. I generally use FEDEX to ensure delivery, while others recommend USPS Certified Return Receipt

 

- NCL Accounting's address is listed on the back of the certificate. I generally send to:

 

Attn: Accounting

Norwegian Cruise Lines

7665 Corporate Center Drive

Miami, FL 33126

 

- high spending users CAN have more than one account with Bank of America and thus earn additional points on the additional card(s)

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WOW. Guess that says it all. I'm printing it for a reference guide. Have used my points for $1k off PofAl in 2005 and $1.5k on SUN in 2006. Should have another $1.5k for SPIRIT in 2008.

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Just be careful with the balance transfers. I just got an NCL Mastercard and they wouldn't give me 0% balance transfers. I got 3% on balance transfers with a minimum of $50 fee. I have excellent credit and really pushed for the 0% interest as I have never had a problem getting it from other cards I applied for, but they wouldn't budge.

 

Also, in genereal I pay all of my bills of every month. This should be fine right? I didn't think to ask if the charges had to stay on the card for a specified time to receive the rewards.

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Just be careful with the balance transfers. I just got an NCL Mastercard and they wouldn't give me 0% balance transfers. I got 3% on balance transfers with a minimum of $50 fee. I have excellent credit and really pushed for the 0% interest as I have never had a problem getting it from other cards I applied for, but they wouldn't budge.

 

Also, in genereal I pay all of my bills of every month. This should be fine right? I didn't think to ask if the charges had to stay on the card for a specified time to receive the rewards.

 

No you can pay it off every month and still get the points. That is actually what most of us do (is my guess)

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Here are a couple of tips regarding mailing your certificates to NCL:

 

1. Be sure to fill out the reverse side of the certificate completely.

 

Make certain that you put the correct reservation number on the form as well as the travel agency you used (if any).

 

2. Make xerox copies of the certificate (both sides) for your records.

 

In case the unthinkable happens and your certificate is mysteriously lost, having copies will help you prove that you did send one in.

 

3. Address your envelope carefully to the address listed on the certificate.

 

Make certain the address is correct and legible, and also include your return address. Also make certain to write "ATTN: ACCOUNTING DEPARTMENT" on the lower left hand side of the envelope to ensure it gets processed by the correct department.

 

4. Mail your certificate well before the final payment date.

 

No use waiting to the last minute in case of problems. Order and mail your certificate as early as you would like to in order to give yourself time to fix any problems if they arise.

 

5. Include a copy of your reservation confirmation with your certificate.

 

This serves to help them match up the reservation with your payment.

 

6. (OPTIONAL - but recommended) Mail using some sort of delivery notification to be sure they got your certificate.

 

If you are worried the envelope might get lost in the mail, use either a priority mail envelope (with delivery confirmation) or registered mail to send it so that you have proof that it was delivered and they received it. In some cases I have sent mine in with a personal check for any remaining balance, so the receipt of the check at my bank was proof that they got the envelope, but in other cases its good to use registered or priority mail.

 

It takes up to two weeks from NCL's receipt of your certificate to be reflected on your balance, so do not be surprised if it doesn't show up immediately.

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I have a silly question... I just got the ncl credit card. How can I check how many points I have? I know I can multiply my monthly purchases to figure it out, but does it say it anywhere? I havent gotten my first statement yet, and I don't see it online.

 

Thanks,

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I have a silly question... I just got the ncl credit card. How can I check how many points I have? I know I can multiply my monthly purchases to figure it out, but does it say it anywhere? I havent gotten my first statement yet, and I don't see it online.

 

Thanks,

 

Points are awarded on your statement date... not before... so your total will only be available on your statements. Your statement will include a line item giving you a summary of points for the month, bonus points, and your new total.

Until you get your first statement, you officially have NO points :)

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I recently applied for and received 2 new Bank of America credit cards - one account has a $2,500.00 limit and the other has a $1,000.00 limit. After charging some stuff and returning it, I wound up with a credit on the higher limit card. Since I had a balance owed on the other card, I used one of the checks they sent me with the higher limit to make a payment on the card with the lower limit. About a month later, I got a letter from Bank of America saying that my payment had been rejected (and I now had incurred late charges:eek: which I have NEVER been charged before.) I immediately got on the phone to BOA and after explaining the situation, they have agreed to take off the charge and they have promised me that they will not report this to the Credit Bureau. I am expecting my statement in the mail any day and was advised that it the charge is still on there, to call them back and they will "pop it off." They agreed that nothing specifically said I couldn't do that. My thinking was that since they already had my money on one account, they could switch it over to the other account. Their thinking was that I was using THEIR money to pay THEM. Lesson learned.

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Well, Bank of America runs the card now... that would be a question for them to answer.

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I have a question. I know the maximum points you may accumulate is 1,000 per account per year. However when does the year start? Is it from the date that the card is issued to (ie you opened your account in March of this year) until the anniversary of that date?

 

Or would your year begin again January 1st 2008?

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I have a question. I know the maximum points you may accumulate is 1,000 per account per year. However when does the year start? Is it from the date that the card is issued to (ie you opened your account in March of this year) until the anniversary of that date?

 

Or would your year begin again January 1st 2008?

The points accrue on a 12 month cycle that begins with your anniversary date each year (the date your 1st statement cycle begins), it does NOT go by calendar year (i.e. Jan 1 - Dec 31) unless your anniversary date happens to be January 1!

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With the BOA NCL card, you can at any time view your transactions on line. Check you balances and any activity. You can also print out your monthly statements if needed.:)

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One question regarding using the certificates. Can they be used after final payment has been made? I am looking at a cruise in Mid April. The final payment will be due January 28th. I will probably have enough points for a second certificate at the end of January or the first week of February (big purchase planned). Can I request a certificate the beginning of February and get a credit back on my card for the money I put towards the final payment?

 

Keith

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One question regarding using the certificates. Can they be used after final payment has been made? I am looking at a cruise in Mid April. The final payment will be due January 28th. I will probably have enough points for a second certificate at the end of January or the first week of February (big purchase planned). Can I request a certificate the beginning of February and get a credit back on my card for the money I put towards the final payment?

 

Keith

 

I have the same question as kmacht. Cruising deposit is due in October. Can I turn in the certificate after the deposit is paid, but before the cruise in February?

One other thing: I'm going to call BoA on this but wanted to share what happened to me. I have had my card about 4 months and have accumulated about 250 points. BoA called me two days ago and we confirmed that there were fraudulent charges placed against my card. They cancelled the account and have sent out new cards with a new account number for me. I am wondering if my points will be transferred. Anyone have this happen to them? Hope they transfer the points for me......

Britt23

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Yes the points will transfer to the new card. This happened to us also. Any fraudulent charges that are credited back to your account, The credit card company will alos subtract any points that were gined by those transactions. It would be the same as if nothing happened. If you look on line for your account at BAC, you will have 2 accounts listed for 2-3 months. No problem there, it is their procedure. You may even get a bill from the old account with no balance. Just keep an eye on the accounts on line. :)

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I have the same question as kmacht. Cruising deposit is due in October. Can I turn in the certificate after the deposit is paid, but before the cruise in February?

Britt23

 

You question was answered above.

4. Mail your certificate well before the final payment date.

 

No use waiting to the last minute in case of problems. Order and mail your certificate as early as you would like to in order to give yourself time to fix any problems if they arise.

 

One question regarding using the certificates. Can they be used after final payment has been made?

 

I read in another thread here that is the way it usually works. You pay off your balance, then the certificate amount is refunded to your card as soon as they process it. But apparently the above works too.

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Has anyone had their 3 year card renewed. What happens to the points over the one thousand that I have turned in already?

 

3cruise don

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You lose any points accumuated over 1000 thru the end of your anniversary year. That is why folks get a second card.

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You question was answered above.

4. Mail your certificate well before the final payment date.

 

No use waiting to the last minute in case of problems. Order and mail your certificate as early as you would like to in order to give yourself time to fix any problems if they arise.

 

I guess my reasoning in asking this was because I might not have the 500 points by the time the final payment is due, but should be getting them soon after. So if I make the final payment in October, but my 500 points don't accure until say November, can I then cash in the points?

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You question was answered above.

4. Mail your certificate well before the final payment date.

 

No use waiting to the last minute in case of problems. Order and mail your certificate as early as you would like to in order to give yourself time to fix any problems if they arise.

 

I guess my reasoning in asking this was because I might not have the 500 points by the time the final payment is due, but should be getting them soon after. So if I make the final payment in October, but my 500 points don't accure until say November, can I then cash in the points?

 

You can try... but what you are risking is wasting the 500 points if they decide not to honor it. Why not save them for your next cruise? Maybe by then you will have 1000 points to use.

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What happens if I have two cards and one card has a balance of 300 points and the other has a balance of 200 points. Can I combine them together?

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What happens if I have two cards and one card has a balance of 300 points and the other has a balance of 200 points. Can I combine them together?

To my knowledge, that'd be a no.

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What happens if I have two cards and one card has a balance of 300 points and the other has a balance of 200 points. Can I combine them together?

 

 

:mad:That's correct! Don't request either certificate until each reaches 500. Otherwise you'll only get upgrade certificates...not worth it. :eek:

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Had trouble finding the website to sign up for another card earlier today but Diana68 heard my plee and responded with the correct location. Some of the other links are no longer available. https://wwwa.applyonlinenow.com/USCCapp/Ctl/entry?sc=FAAH6C&mc=A0000028IT

 

Last time I paid off most of my cruise minus the $500 credit I was hoping to earn and a couple hundred dollars ahead to get to my certificate early enough to send it for my final payment. Wanted to leave a small balance just in case the price dropped...it didn't.

 

Important warning...if you pay online make yourself aware of BOA cutoff times. When I went in to pay my first payment I had to pay a $12 charge to get the payment there on time. Alternative was for it to be a day late and for them to charge a $39 fee. :eek: Now I sometimes pay the minimum (or something) when the bill arrives and the rest by the due date. I'm also one of those people that pay off my cards in full every month but I charge for the points or money or free airline tickets. :D

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Had trouble finding the website to sign up for another card earlier today but Diana68 heard my plee and responded with the correct location. Some of the other links are no longer available. https://wwwa.applyonlinenow.com/USCCapp/Ctl/entry?sc=FAAH6C&mc=A0000028IT

 

Last time I paid off most of my cruise minus the $500 credit I was hoping to earn and a couple hundred dollars ahead to get to my certificate early enough to send it for my final payment. Wanted to leave a small balance just in case the price dropped...it didn't.

 

Important warning...if you pay online make yourself aware of BOA cutoff times. When I went in to pay my first payment I had to pay a $12 charge to get the payment there on time. Alternative was for it to be a day late and for them to charge a $39 fee. :eek: Now I sometimes pay the minimum (or something) when the bill arrives and the rest by the due date. I'm also one of those people that pay off my cards in full every month but I charge for the points or money or free airline tickets. :D

 

Also, if you pay online I was told that I can only make 3 online payments per billing cycle. Others on here state they make many more payments each month than this, but I haven't been able to and was told by an online billing rep that the max is 3.

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I guess my reasoning in asking this was because I might not have the 500 points by the time the final payment is due, but should be getting them soon after. So if I make the final payment in October, but my 500 points don't accure until say November, can I then cash in the points?

 

I was in the same predictament last year. Took a chance and mailed my certs in about 3 weeks after I made my final payment. It took NCL 6 weeks to credit back to my card, and then, they split it up into two weird amounts (like $286 & $714) and credited the smaller amount to my card, and the larger amount to the person I was sharing my cabin with. (We each used our own cards for deposits and final payments). It was a mess. Long story short, instead of having NCL screw it all up even worse, I let it go and just collected the $714 from my roommate. So, bottom line, it will probably turn out ok, but there could be snags like I had.

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Beside the base cost of a cabin, can the $500 certificates be used to cover any other costs associated with the cruise -- i.e., taxes, port charges, travel insurance and airfare?

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Beside the base cost of a cabin, can the $500 certificates be used to cover any other costs associated with the cruise -- i.e., taxes, port charges, travel insurance and airfare?

I believe the short answer is yes.

 

The certificates can be used to pay all but the deposit for anything on your original booking confirmation from NCL. That would include port fees, taxes, NCL booked air and NCL purchased insurance as far as I know.

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I was just about to send a personal check to pay off my car loan, can I use one of the BOA checks I get with my NCL credit card to pay it off to get reward points?

 

I guess I am asking if one earns reward points when using the checks.

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I was just about to send a personal check to pay off my car loan, can I use one of the BOA checks I get with my NCL credit card to pay it off to get reward points?

 

I guess I am asking if one earns reward points when using the checks.

You will NOT earn points for cash advance checks written off your account, only for actual charges.

 

That said, see if you can pay with credit card, sometimes you can.

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My parents will be going on a NCL cruise to the Baltics. Their excursions will be approximately $1200 for the 2 of them.

 

Can I purchase onboard credit certificates for them on my NCL card ahead of time? I assume I will get the 4%. Is there a limit of how much OBC certificates you can purchase for one cabin?

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Sounds like a plan to me. My daughter called NCL and put some money on our onboard account a few years ago as a gift. They wouldn't send her a certificate so she made her own and NCL had one telling us about the credit when we got to our cabin.

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Also, if you pay online I was told that I can only make 3 online payments per billing cycle. Others on here state they make many more payments each month than this, but I haven't been able to and was told by an online billing rep that the max is 3.

 

 

I have made as many as 6 payments online. I hate to see a balance get TOO high! Yes I know its stupid not to use the float. but the answer is you absolutely can make more than 3 without any penalty!

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Had trouble finding the website to sign up for another card earlier today but Diana68 heard my plee and responded with the correct location. Some of the other links are no longer available. https://wwwa.applyonlinenow.com/USCCapp/Ctl/entry?sc=FAAH6C&mc=A0000028IT

 

Last time I paid off most of my cruise minus the $500 credit I was hoping to earn and a couple hundred dollars ahead to get to my certificate early enough to send it for my final payment. Wanted to leave a small balance just in case the price dropped...it didn't.

 

Important warning...if you pay online make yourself aware of BOA cutoff times. When I went in to pay my first payment I had to pay a $12 charge to get the payment there on time. Alternative was for it to be a day late and for them to charge a $39 fee. :eek: Now I sometimes pay the minimum (or something) when the bill arrives and the rest by the due date. I'm also one of those people that pay off my cards in full every month but I charge for the points or money or free airline tickets. :D

 

Remember , if you are running late on making a payment , you can allways drop it off at any BOA branch( within 24 hours of 5pm due date , no charge) .. I find myself doing that often because they are slow to mail out my statement. I ussually only have 1 week ..:eek:

 

mpk

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I have a question.. After you hit 1000 points within a given year is that it untill your anniversary comes around again ? Or do the points earned after that start with a new 12 month clock ? Im afraid I know the answer.:(

 

Thanks anyway.

 

MPK

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It is the anniversary date of when you started. And here's another small item about which we were given incorrect information from MBNA a couple of years ago.

 

Our account began on Sept. 9. When I inquired if we could begin charging on Sept. 1 of the following year I was told, "yes." That is wrong. You have to wait until after the statement date of your card. In our case, we were allowed to start charging and earning points in our second year on Sept. 9.

 

We had already charged several hundred dollars the beginning of September and believe me, I went up the chain of command at MBNA without getting those points put on our card. I still love the card and we have really taken advantage of our points, but, as always, BUYER BEWARD AND DO YOUR HOMEWORK;)

 

Kathy

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It is the anniversary date of when you started. And here's another small item about which we were given incorrect information from MBNA a couple of years ago.

 

Our account began on Sept. 9. When I inquired if we could begin charging on Sept. 1 of the following year I was told, "yes." That is wrong. You have to wait until after the statement date of your card. In our case, we were allowed to start charging and earning points in our second year on Sept. 9.

 

We had already charged several hundred dollars the beginning of September and believe me, I went up the chain of command at MBNA without getting those points put on our card. I still love the card and we have really taken advantage of our points, but, as always, BUYER BEWARD AND DO YOUR HOMEWORK;)

 

Kathy

 

 

Thanks for that info. I have just requested a second card. I guess thats the only way.

 

mpk

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How does the upgrade work.We have a balcony room.I am trying to get 500 points for the discount but don't know if I'll make it. So if I paid for a balcony (3 People) do they send me $$back?? :confused:

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