20 cards ranked
Best credit card to use at Norwegian Cruise Line.
Travel
Norwegian Cruise Line is known for its freestyle cruising format with flexible dining and no fixed seating. Fares paid to NCL usually code as travel and reward best on cards with a general travel multiplier, though cruise coding can be uneven. A reliable flat-rate or travel card avoids surprises, since onboard charges may post under a different category.
- #14.0%4x points
- #24.0%4x points
- #34.0%4x points
- #43.6%3x points
- #53%
- #63%
- #73%
- #8Chase3x points on travel (up to $150,000/year, then 1%)Travel, shipping, internet/cable/phone, advertising on search engines and social media (combined)3.0%3x points
- #9Navy Federal3x points on travelIncludes airlines, hotels, car rentals, ride-sharing, parking, tolls, museums, amusement parks, and golf courses3.0%3x points
- #103.0%3x points
- #11Venmo Credit Cardif it’s your top categorySynchrony3% on travel if it's your top eligible spend category that cycleAutomatically on your highest-spend eligible category each statement period (8 eligible: transportation, travel, groceries, entertainment, dining & nightlife, bills & utilities, health & beauty, gas). Drugstores here represents health & beauty; bills & utilities maps to utilities.3%
- #123.0%3x points
- #133.0%3x points
- #142.5%2x points
- #152.5%5x points
- #16Chase5x points on travelTravel, gas stations, select advertising, and restaurants2.5%5x points
- #172.4%2x points
- #182.4%2x points
- #192.0%2x points
- #202.0%2x points
Last updated June 30, 2026