Not so much naysayers, as pointing out that there are much better cards out there. If you travel exclusively with NCL, and don't do a lot of other travelling, then it may work for you.
We travel often using other cruise lines, hotels, rental cars, airline flights, etc. With a Chase Sapphire Preferred card you can use your points for any of those things, and more, at 1:25 to 1 rate (80,000 points gets you $1000). Their sign up bonus is/was the best in the business.
You get 5x points on travel purchased through Chase Travel, 2x on all other travel, 3x on all dining, etc.
The annual cost is $45 ($95 minus a $50 hotel credit).
It's been good to us. It's worth taking a look at the details for comparison.