Barclays · Mastercard

Carnival World Mastercard®

Credit 20,000 Points Bonus 0% Intro APR · 15 mo No Foreign Fees

$0 Annual Fee

21.24%–30.24% Variable Purchase APR

20,000 Welcome Bonus

670+ Recommended FICO

Points Reward Type

Welcome Bonus

20,000 Points

Welcome Bonus

Rewards

Reward TypePoints

Base Rate1x / 1%

Bonus RateUp to 2x

Point Value~0.01¢ each

Travel Portal1x

ExpirationYour FunPoints do not expire as long as your account remains open and in good standing.

Category	Rate	Type	Cap
Carnival Purchases Purchases made directly with Carnival Cruise Line.	2x	Points	No cap
All Other Purchases All eligible purchases not categorized as Carnival purchases.	1x	Points	No cap

Benefits & Protections

No Foreign Fees

Benefit	Category	Value / Coverage
No Annual Fee Enjoy all the benefits of your Carnival World Mastercard without paying an annual fee.	Financial	$0 Up to $0
Special Financing on Carnival Purchases Enjoy special financing offers on Carnival Cruise Line purchases made with your card.	Financial	Special financing
Extended Warranty Doubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases.	Purchase Protection	Up to 1 additional year
Price Protection If you find a lower price for an eligible item within 60 days of purchase, you may be reimbursed for the price difference.	Purchase Protection	Reimbursement for price difference
Purchase Assurance Protects eligible purchases against damage or theft for 90 days from the date of purchase.	Purchase Protection	90 days protection
Carnival Purchase Rewards Earn 2 FunPoints® for every $1 spent on qualifying purchases made with Carnival Cruise Line.	Rewards	2 FunPoints per $1
Everyday Purchase Rewards Earn 1 FunPoint® for every $1 spent on all other eligible purchases.	Rewards	1 FunPoint per $1
FunPoints Redemption Redeem FunPoints for discounts on Carnival cruises, onboard credit, and other Carnival rewards.	Rewards Redemption	Flexible redemption options
Mastercard ID Theft Protection™ Provides identity theft resolution services, including assistance with credit bureau notification and replacement of lost or stolen documents.	Security	Identity theft resolution services
Zero Liability Protection You are not responsible for unauthorized transactions made with your Mastercard.	Security	No liability for unauthorized transactions
Mastercard Global Service™ Provides emergency assistance services anytime, anywhere, including lost and stolen card reporting, emergency card replacement, and emergency cash advance.	Travel Assistance	Emergency assistance services
Faster to the Fun (FTTF) Upgrade Receive a complimentary upgrade to Faster to the Fun (FTTF) on your next Carnival cruise after making a single purchase with your card or using your card for a balance transfer within the first 90 days of account opening. FTTF provides priority check-in, express luggage delivery, dedicated guest services, and priority disembarkation.	Travel Benefits	Complimentary upgrade
Shore Excursion Statement Credit Get 10% back as a statement credit on shore excursions purchased through Carnival Cruise Line.	Travel Rewards	10% back
New Cardmember Bonus FunPoints Earn 20,000 bonus FunPoints® after you make your first purchase or balance transfer.	Welcome Offer	20,000 bonus FunPoints

Interest Rates

Intro Purchase APR for 15 months

Intro BT APR for 15 months

Purchase APR21.24%–30.24% Variable

Balance Transfer APR21.24%

Cash Advance APR30.49%

Min. Interest Charge$2

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Decision TimeInstant

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 3 cards from this issuer simultaneously.

Shutdown Risk Triggers

Common triggers for account shutdown or adverse action by Barclays include, but are not limited to: engaging in manufactured spending (MS) activities, maintaining an excessively high cumulative credit limit across all Barclays accounts relative to income, frequent balance transfers without genuine spending, defaulting on payments, sudden and unusual spending patterns inconsistent with historical behavior, opening too many credit accounts across all issuers in a short period, abusing return policies, or attempting to game bonus offers.

Cliff Effect Rules

Barclays does not typically have 'cliff effect' rules similar to Chase's Sapphire family (e.g., 48-month rule across product families). Instead, bonus eligibility is generally tied to the specific product, preventing applicants from receiving the same new cardmember bonus within a defined period (e.g., 24 months) for that particular card.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

Eligibility for the Carnival World Mastercard in 2026 requires applicants to have good to excellent credit (typically FICO score 700+), be at least 18 years old, and a US resident. A key application rule for Barclays is the '6/24 Rule': applicants generally will not be approved if they have opened more than 6 new credit card accounts with *any* issuer in the past 24 months. Furthermore, new cardmember bonus offers are typically not available to applicants who currently have or have had this specific card, or who have received a new cardmember bonus for this card within the past 24 months. The standard bonus offer usually involves earning a specified number of bonus points after meeting a minimum spending requirement within the initial months of account opening.

Barclays

Annual Fee

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Welcome Bonus 20,000 Points

APR 21.24%–30.24% Variable

More Barclays Cards

Carnival World Mastercard®

Welcome Bonus

Rewards

Benefits & Protections

Interest Rates

Fees

Approval & Eligibility

Issuer Rules & Restrictions

Quick Summary