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Verdict: The Carnival World MasterCard is a good credit card if you use Carnival Cruise Lines frequently. Double points are awarded for booking cruises or other travel arrangements through Carnival or its affiliates, and for using the card for onboard spending. If you don’t use take many cruises or use Carnival services frequently, then it’s pretty much the same as any other credit card, with the exception that the Annual Percentage Rate (APR) amounts are somewhat lower that other cards.
Overview: The Carnival World MasterCard is sponsored by Carnival Cruise Lines. It has a rewards program that awards specific point amounts based on where and for what the card is used.
Cardholders are encouraged to use the card to purchase not only cruise tickets but also onboard products and services that are not covered in the cruise price (such as alcoholic beverages, spa services, and other amenities for which one must pay extra)
How This Card Works: Depending on how the card is used, the cardholder can earn up to 10,000 Bonus FunPoints®. 5,000 can be earned after the card is used the first time, and the use does not have to necessarily have to be Carnival-related. The additional 5,000 points can be earned by making an initial balance transfer. The 10,000 points allow for a $100 savings on a future cruise.
Travel and Shopping Benefits: Each time the card is used to book a Carnival cruise or for onboard purchases and other transactions on a Carnival Cruise Line vessel, two points can be earned for each $1 spent. Other purchases earn 1 point for each $1 spent.
Fees: The APR on the Carnival World MasterCard is a variable rate, and can be 11.24%, 13.24%, or 17.24% depending on the cardholder’s creditworthiness. Balance transfers start at a 0% introductory APR for six months, then the APR will be the same as the numbers listed above.
There is no annual fee for the Carnival World MasterCard. The balance transfer fee is either $10 or 4% of the amount of each transfer, whichever is greater. However, during the first nine billing cycles, those figures drop to $5 or 3%, with a maximum cap of $50. Afterward, they go up to the ones first mentioned, with no maximum cap. Late payment fees and returned payment fees are $35. Cash advances, which can include money orders, lottery tickets or gaming chips, traveler’s checks, and other items are 3% of the amount or $10, whichever is greater.
- Fairly reasonable APRs
- Fees are comparable to other credit cards
- No annual fee
- APR is variable
- Points rewards are doubled only on those things pertaining to Carnival, such as onboard spending
- Not really that useful if one does not cruise often