$99
Annual fee
$500
Bonus value
See the card
Card reviewBarclays
Updated Jul 3, 2026 · researchCW
BarclaysFun Points®Editorially reviewed
Carnival® World Mastercard®
A $0 annual fee Carnival co-branded Mastercard earning 2X Fun Points on Carnival Cruise Line purchases and 1X on all other purchases, with no foreign transaction fees.
Mid TierPersonal
Mastercard
$0
Annual fee
2x pts carnival cruise line purchases
Top rate
None
Foreign fee
N/A
Rating
Current Welcome Offer
20,000 points
$200 estimated value
Spend $1,000 in 90 days
Verifiedofficial page
Card Offers
public
20,000 points
$200 estimated value
Spend $1,000 in 90 days
official page
Earning Rates
Carnival Cruise Line purchases
2xpoints
Earn 2X Fun Points for every dollar spent on purchases with Carnival Cruise Line.
All other purchases
1xpoints
Earn 1X Fun Points for every dollar spent on all other purchases.
Pros & Cons
Pros
- No annual fee, making it a low-cost option for Carnival fans
- 20,000 Fun Points welcome bonus worth $200 in onboard credit after meeting the spend threshold
- No foreign transaction fees, useful for international port purchases
- 0% intro APR on balance transfers for 15 billing cycles (transfers made within 45 days of account opening)
- 0% promotional APR on Carnival Cruise bookings for 6 billing cycles
Cons
- Rewards are narrowly focused on Carnival Cruise Line, limiting value for non-cruisers
- Only 1X Fun Points on non-Carnival spending, which is a modest earn rate
- Fun Points redemption options are largely tied to Carnival-specific uses
- The 0% promo APR on bookings applies only to qualifying Carnival Cruise purchases, not general travel
Key Takeaways
- No annual fee and no foreign transaction fees keep the cost of ownership low
- Earns 2X Fun Points on Carnival purchases but only 1X everywhere else
- Welcome bonus of 20,000 Fun Points equals $200 in onboard credit after $1,000 in spend within 90 days
- 0% promo APR on Carnival bookings for 6 billing cycles can help spread out cruise costs
- Best value is realized by cardholders who regularly book and spend with Carnival Cruise Line
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
APR Information
- Purchase APR
- 18.49% - 29.49%0% intro APR for 6 months
- Balance Transfer APR
- 18.49% - 29.49%0% intro APR for 15 months
- Cash Advance APR
- 29.74%
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
3 benefits
Travel Insurance
Statement Credits
Lifestyle Benefits
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
Frequently Asked Questions
What is the annual fee for the Carnival World Mastercard?
The Carnival World Mastercard has a $0 annual fee. There is no fee waiver needed since there is no annual fee at all.
How does the welcome bonus work?
New cardholders can earn 20,000 Fun Points after spending $1,000 within the first 90 days of account opening. Those 20,000 Fun Points are worth $200 in onboard credit when redeemed through Carnival.
What can I redeem Fun Points for?
Fun Points can be redeemed for onboard credit, Carnival purchases, and experiences. Redemptions are subject to reward program rules and conditions.
Does the Carnival World Mastercard charge foreign transaction fees?
No, the card charges a 0% foreign transaction fee, meaning there are no added costs on purchases made outside the United States.
What is the 0% promotional APR offer on Carnival bookings?
The card offers 0% APR for 6 billing cycles on qualifying Carnival Cruise booking purchases. After the promotional period ends, the standard variable APR applies.
Is there a balance transfer offer on this card?
Yes, the card offers a 0% intro APR on balance transfers for 15 billing cycles, provided the balance transfer is made within 45 days of opening the account. After the intro period, the standard variable APR of 18.49% to 29.49% applies.
What credit score do I need to qualify for this card?
The Carnival World Mastercard generally requires good credit. Applicants with a strong credit history are most likely to be approved.
How do I earn the most points with this card?
The highest earning rate is 2X Fun Points per dollar on Carnival Cruise Line purchases. All other purchases earn 1X Fun Points per dollar.
Is this card worth it if I do not cruise with Carnival frequently?
The card's rewards structure is heavily centered on Carnival Cruise Line spending, so infrequent Carnival travelers may find limited value beyond the no-annual-fee and no-foreign-transaction-fee features. Casual spenders outside of Carnival earn only 1X Fun Points, which restricts the card's broader appeal.
What network is the Carnival World Mastercard on?
The Carnival World Mastercard runs on the Mastercard network, which is accepted at a wide range of merchants worldwide.
About This Card
This card is best for frequent Carnival Cruise Line travelers who want to earn rewards on cruise bookings and onboard spending without paying an annual fee. It is also a reasonable fit for those seeking a no-cost balance transfer option alongside their cruising rewards.
Carnival® World Mastercard® earns Fun Points on Carnival Cruise Line purchases and all other purchases, offers a 20,000 Fun Points welcome bonus after qualifying spend, 0% promotional APR for 6 billing cycles on qualifying Carnival cruise booking purchases, 0% introductory APR for 15 billing cycles on eligible balance transfers, no foreign transaction fees, and a $0 annual fee.
The Carnival World Mastercard stands out in the co-branded cruise card space by combining a $0 annual fee with a 15-billing-cycle 0% intro APR on balance transfers, a benefit rarely found alongside a cruise-specific rewards program.
Ready to Decide?
Apply for the Carnival® World Mastercard®
20,000 points, worth about $200 estimated value, with no annual fee.
Spend $1,000 in 90 days
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Sources & Methodology
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