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Norwegian Reward World Mastercard Review

overall rating

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The Norwegian Reward World Mastercard has been discontinued.

Norwegian Reward World Mastercard®

Overall Rating
Norwegian Reward World Mastercard®
On Synchrony Bank's Secured Site.
Current Offer

Earn $50 in CashPoints that can be used for future travel when you open an account and spend $500 in the first 90 days.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 17.99% - 25.99% variable
Annual Fee $0
Rewards Earning Rate 2% extra CashPoints on Norwegian flights, 2% CashPoints on dining + grocery, 1% CashPoints on all other purchases.
Foreign transaction fee (%) 0%
how this card stacks up
When compared among all rewards cards in our database:
Low Fees
Security/Customer Experience
Low Interest
worst best

Norwegian says they're going through a reorganization plan for a portion of their business, including pausing all airline-related rewards and benefits, so the card is currently not available for new customers. The information contained in the article has been updated as of September 29, 2020. You can review our list of the best airline credit cards for alternative options.

Full Review of Norwegian Reward World Mastercard

  • Easily earned one-time offer

  • $100 anniversary bonus for high spending

  • Priority boarding

  • Relatively low rewards on Norwegian purchases

  • Rewards must be redeemed with Norwegian

Pros Explained

  • Easily Earned One-Time Offer: The one-time offer offered by the Norwegian Reward World Mastercard is very low, at only $50 value in Norwegian’s CashPoints. Still, it’s easy to earn. You receive it if you spend a modest $500 in the first 90 days. Even easier, if you open a card account at the same time as buying a Norwegian ticket, you get the bonus automatically, even if the ticket costs less than $500.
  • $100 Anniversary Bonus for High Spending: If you spend at least $20,000 a year with this card, you receive $100 in points value. The bonus essentially boosts your rewards for the year by an additional half a percentage point, taking your earnings from 2% to a more competitive 2.5% for that spending.
  • Priority Boarding: With only a single flight benefit, priority boarding, the Norwegian Reward World Mastercard doesn’t stack up for carrier benefits against pricier cards that offer discounts on in-flight purchases, seat upgrades, and more. But some other no-annual-fee airline cards offer no carrier benefits at all.

Cons Explained

  • Relatively Low Rewards on Norwegian Purchases: Airline cards—which admittedly usually come with annual fees—typically offer at least three points per dollar spent with their co-branded airline, with each point worth a cent or more. The 2% earnings of the Norwegian Reward World Mastercard fall behind the market, then, even if you spend the $20,000 a year that essentially (and retroactively) earns you an extra 0.5% in rewards on those purchases. 
  • Rewards Must Be Redeemed With Norwegian: CashPoints can only be redeemed with Norwegian Air. While this is not a unique restriction for an airline card, this limitation in how you can use your rewards is a drawback.

Who This Card Is Best For

The Norwegian Reward World Mastercard best suits those who want a card whose rewards are exclusively used to earn Norwegian Air flights. While the card 2% rewards can be earned on dining and grocery spending, as well as on Norwegian Air purchases, they can be redeemed only on Norwegian Air. Obtaining the card might also be a simple additional transaction to those who are booking a Norwegian Air flight.

It’s not uncommon for airlines to provide richer offers on their flight checkout page. For example, on 6/10/2020 we received an offer for a $50 statement credit + $50 in CashPoints for opening an account and using our new card to complete the booking in process.

Finally, the Norwegian Reward World Mastercard charges no foreign transaction fees, and so would be a good acquisition for those who travel abroad and have no other card in their wallet that omits these fees. And even occasional Norwegian Air travelers may enjoy free priority boarding, which is the card’s main benefit.

Norwegian Reward World Mastercard One-Time Offer

You receive $50 in CashPoints if you spend $500 with the Norwegian Reward World Mastercard in the first 90 days. That spending requirement is waived, and the points awarded more immediately, if you open a card account at the same time you buy a Norwegian Air ticket. Your CashPoints can only be used to redeem for airfare on Norwegian Air.

Rewards Earning Details

The Norwegian Reward World Mastercard has a rewards earning of 2% on Norwegian Air purchases, as well as eligible dining and grocery purchases. Rewards are earned as CashPoints. So, for every $100 spent on eligible purchases, you would receive $2 in CashPoints.

All other purchases receive 1% in rewards or $1 in CashPoints for every $100 spent on eligible purchases.

Norwegian CashPoints normally expire in 24 months. Owners of the Norwegian Reward World Mastercard get twice as long—48 months—before points are removed from their CashPoints account.

Rewards Redemption Details

The CashPoints you earn with this card can be redeemed only for purchases from Norwegian Air. Redemption involves logging into your Norwegian Air account and choosing the flight itinerary you prefer. You can then choose to pay with your CashPoints, as long as your account is in good standing. It’s possible to redeem with no minimum requirement and there are no blackout dates or destination limitations.

Transferring Points

The Norwegian Reward World Mastercard doesn’t offer a way to transfer to other partners. Instead, redemption is limited to booking flights via the Norwegian Air website.

How to Maximize Your Rewards

As with most airline cards, you earn the highest rewards rate with Norwegian Reward World Mastercard for purchases from the airline itself. What’s uncharacteristic about the card is that that same highest rate applies to purchases in some other categories, too. As a result, you can as effectively maximize your earnings with the Norwegian Reward World Mastercard by buying groceries or restaurant meals as you can by charging tickets on Norwegian. 

In 2018, the average consumer spent $7,923 on food, including dining out and eating at home. Charged to the Norwegian Reward World Mastercard, those average purchases would earn you $158 in CashPoints to use to buy Norwegian Air tickets. You could supplement those rewards with those from buying Norwegian Air tickets.

Even if you don’t make any air purchases, though, you could use the Norwegian Reward World Mastercard for miscellaneous purchases, which earn 1% rewards.

Let’s say you supplemented the approximately $8,000 a year in groceries and dining spending noted above with about $1,000 a month in miscellaneous spending. If you indeed did reach $20,000 in annual spending, you’d earn the bonus of $100 in CashPoints. That extra reward would be on top of the $158 for the food spending and $120 for the miscellaneous spending. The grand total of rewards would be $378, for $20,000 in spending. That represents a decent rewards rate of 1.9 cents per dollar spent.

Norwegian Reward World Mastercard’s Outstanding Benefits

  • Priority boarding
  • Mastercard Airport Concierge

Standard Benefits

  • Mastercard Global Service
  • Mastercard ID Theft protection

Cardholder Experience

Synchrony Bank, which issues the Norwegian Reward World Mastercard, has a middling record for customer service. Synchrony received a score of 780 out of 1,000 in the J.D. Power 2019 U.S. Credit Card Satisfaction Study. That’s a little lower than the national issuer average of 806.

Synchrony offers a mobile app that can be used to manage your account. The Synchrony Bank app has 3.6 stars out of 5 on Google Play and 4.4 stars out of 5 in the Apple Store.

Where major card issuers provide 24/7 customer service, Synchrony Bank’s main customer service line, at 877-295-2080, is available for only 16 hours a day on weekdays. It operates Monday through Friday from 8 a.m. Eastern to midnight Eastern. Synchrony also offers a FAQ that can help you find answers to common questions.

Security Features

The Norwegian Reward World Mastercard offers a typical array of security protections, including around-the-clock monitoring to catch incidents of identity theft and a $0 fraud liability policy, so you won’t have to pay for unauthorized purchases. The card also comes with Mastercard ID Theft Protection.

Final Verdict

The Norwegian Reward World Mastercard could be a natural and fairly effortless acquisition for those who travel even occasionally on the low-cost international carrier. Opening an account for the card while buying a Norwegian Air flight allows you to instantly earn rewards on the purchase and to receive the card’s bonus of $50 in points without need for the $500 in spending it usually requires. Heavy spending on the Norwegian Reward World Mastercard might earn you a return that’s comparable to those from a better cash-back rewards card.

However, unlike with cash back cards, those rewards would be tied to a single airline—and one that has been struggling in 2020. Those facts raise questions about the security of the rewards you earn with the Norwegian Reward World Mastercard in the long run. For those reasons, consider instead getting a no-fee card that provides comparable or better rewards that can be received as cash. Another plus: bigger one-time offers.

The Chase Freedom Unlimited, for example, provides 1.5% cash back on all purchases and offers $200 cash back after you spend $500 within the first three months. The Capital One SavorOne offers between 1% and 3% in cash back, depending on the category, and gives you $150 cash back, again after you spend $500 within the first three months.

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Norwegian Reward World Mastercard®
overall rating
Norwegian Reward World Mastercard®
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 17.99% - 25.99% variable
Annual Fee $0
Rewards Earning Rate 2% extra CashPoints on Norwegian flights, 2% CashPoints on dining + grocery, 1% CashPoints on all other purchases.
Investopedia Credit Card Rating Methodology
Investopedia is committed to delivering the best credit card recommendations in the industry. We’ll tell you when a card is good, we’ll tell you when a card is bad, and we’ll only call a card the best if we would recommend it to our friends or family members.
Overall Star Rating Explained
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:
  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive Interest Many cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer Service Security and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.