You will get triple points using the NCL card so 9k points (more if you are a higher BoA rewards level). 9k points would translate to $90 in credit which is 3% (slightly better). If you save up to get to 30k points you can move 1 meta (inside to oceanview or oceanview to balcony). If you save up to 60k you get 2 metas (inside to balcony). In this way, the 60k points can bring you better value than $600, depending on the cruise prices and number of pax