Sally French

Those are all general travel credit cards, but I went on a mission to see if I could find a no annual fee card that gets more than two points per dollar spent on cruises. And you know what? I did. The Norwegian Cruise Line World MasterCard, which is a co-branded credit card with Bank of America, has a zero dollar annual fee.

It earns three world points for every dollar spent on Norwegian purchases, and then two points per dollar on eligible air and hotel purchases, and one point per dollar spent on all other purchases.

It earns three world points for every dollar spent on Norwegian purchases, and then two points per dollar on eligible air and hotel purchases, and one point per dollar spent on all other purchases.

It earns three world points for every dollar spent on Norwegian purchases, and then two points per dollar on eligible air and hotel purchases, and one point per dollar spent on all other purchases.

But if you do, you can earn quite a bit Even on non-Norwegian purchases, this card is part of Bank of America's Preferred Rewards Program. With that, cardholders can earn bonuses between 25% and 75% more on the base earning of one point per dollar. So basically, depending on how much money you have with the bank, you are grouped into a tier.

But if you do, you can earn quite a bit Even on non-Norwegian purchases, this card is part of Bank of America's Preferred Rewards Program. With that, cardholders can earn bonuses between 25% and 75% more on the base earning of one point per dollar. So basically, depending on how much money you have with the bank, you are grouped into a tier.

But if you do, you can earn quite a bit Even on non-Norwegian purchases, this card is part of Bank of America's Preferred Rewards Program. With that, cardholders can earn bonuses between 25% and 75% more on the base earning of one point per dollar. So basically, depending on how much money you have with the bank, you are grouped into a tier.

Of course, the more money you have in a Bank of America deposit or Merrill investment account, the bigger the bonus.

Of course, the more money you have in a Bank of America deposit or Merrill investment account, the bigger the bonus.

Of course, the more money you have in a Bank of America deposit or Merrill investment account, the bigger the bonus.

Definitely not attainable for many people, but it can make sense if you have, say, an investment account with Merrill. If you do and you pay for your cruise with this card, Megan, you are looking at a 5.25% return. That's if you are booking with Norwegian Cruise Line.

Definitely not attainable for many people, but it can make sense if you have, say, an investment account with Merrill. If you do and you pay for your cruise with this card, Megan, you are looking at a 5.25% return. That's if you are booking with Norwegian Cruise Line.

Definitely not attainable for many people, but it can make sense if you have, say, an investment account with Merrill. If you do and you pay for your cruise with this card, Megan, you are looking at a 5.25% return. That's if you are booking with Norwegian Cruise Line.

Good tips. All right, moving on from credit cards, you can also save money by earning elite status on cruises. It's similar to hotel and airline elite status, but here is a benefit you will find on most cruise lines. Your elite status never expires.

Good tips. All right, moving on from credit cards, you can also save money by earning elite status on cruises. It's similar to hotel and airline elite status, but here is a benefit you will find on most cruise lines. Your elite status never expires.

Good tips. All right, moving on from credit cards, you can also save money by earning elite status on cruises. It's similar to hotel and airline elite status, but here is a benefit you will find on most cruise lines. Your elite status never expires.

I know. So there are a few exceptions to the no expiration date on cruises like Disney Cruise Line. Actually, a couple of years ago, they changed their elite status policy for the worse. Now, status expires after five years of inactivity. So that's still better than what you'll see on most hotels or airlines.

I know. So there are a few exceptions to the no expiration date on cruises like Disney Cruise Line. Actually, a couple of years ago, they changed their elite status policy for the worse. Now, status expires after five years of inactivity. So that's still better than what you'll see on most hotels or airlines.

I know. So there are a few exceptions to the no expiration date on cruises like Disney Cruise Line. Actually, a couple of years ago, they changed their elite status policy for the worse. Now, status expires after five years of inactivity. So that's still better than what you'll see on most hotels or airlines.

It varies by cruise line, of course, but some of the perks of cruise elite status can include discounts on some of those extras we talked about earlier, like drinks packages, Wi-Fi, spa treatments, and then sometimes some benefits like early access to book cruises and exclusive discounts. Nice. So I was able to talk to Adam Malone. He is the chief marketing officer of Norwegian Cruise Line.