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National Bank Credit Cards

Take advantage of great National Bank credit card offers today.

Types of National Bank credit cards

National Bank is the sixth largest commercial bank in Canada. With nearly 422 branches around the country, National Bank offers you a variety of personal credit cards that come with great rewards and perks. This includes everything from travel rewards credit cards to cash back credit cards. National Bank offers the following types of credit cards:

  • Low interest
  • Travel
  • Cash back
  • Rewards
  • No fee
  Annual fee First-year value Card type  
$30 $255 Cash Back
$115 $215 Cash Back / Travel Rewards
$150 $210 Cash Back / Travel Rewards
$89 $151 Cash Back / Travel Rewards
$0 $120 No Fee Cash Back / Travel Rewards
$0 $0 No Fee Credit Builder
$0 $153 No Fee Cash Back
$0 $107 Low Interest

*The RATESDOTCA Best of Finance methodology assumes the cardholder spends an average of $2,000 a month on their card to determine the first-year value. The calculation includes all welcome bonuses and promotional offers at the time of publishing.

ECHO® cashback Mastercard®

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual rewards
$285
- Annual fee
$30
Total first year value
$255
National Bank® ECHO® Cashback Mastercard®

card image
Welcome bonus
$0
National Bank Cash Back Rewards
Annual rewards
$285
National Bank Cash Back Rewards
Annual fees:
$30
Interest rates:
20.99% on purchases • 22.49% on cash advances
Get extra rewards value on grocery and gas purchases for a low annual fee
No wait times on accessing your rewards - Use your cash back anytime you like!
Details at a glance Collapse details
Welcome bonus
$0
Annual rewards
$285
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual rewards
$285
- Annual fee
$30
Total first year value
$255
Annual fees:
$30
Interest rates:
20.99% on purchases
22.49 on cash advances
Get extra rewards value on grocery and gas purchases for a low annual fee
No wait times on accessing your rewards - Use your cash back anytime you like!
Details at a glance Collapse details

World Mastercard®

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual rewards
$857
- Annual fee (First Year Rebated)
$0
Total first year value
$857
National Bank® World Mastercard®

card image
Welcome bonus
$0
À la carte Rewards points
Annual rewards
$857
À la carte Rewards points
Annual fees:
$115 (Refunded for the main cardholder and the first authorized user added)
Interest rates:
20.99% on purchases • 22.49% on cash advances
Earn flexible rewards you can redeem for travel, statement credits and much more
Excellent insurance coverage for travellers and shoppers
Details at a glance Collapse details
Welcome bonus
$0
Annual rewards
$857
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual rewards
$857
- Annual fee (First Year Rebated)
$0
Total first year value
$857
Annual fees:
$115 (Refunded for the main cardholder and the first authorized user added)
Interest rates:
20.99% on purchases
22.49 on cash advances
Earn flexible rewards you can redeem for travel, statement credits and much more
Excellent insurance coverage for travellers and shoppers
Details at a glance Collapse details

World Elite™ Mastercard®

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual rewards
$504
- Annual fee (First Year Rebated)
$0
Total first year value
$504
National Bank® World Elite™ Mastercard®

card image
Welcome bonus
$0
À la carte Rewards points
Annual rewards
$504
À la carte Rewards points
Annual fees:
$150 (Reimbursed for the main cardholder in first year)
Interest rates:
20.99% on purchases • 22.49% on cash advances
Great travel perks and benefits including an annual travel fees credit
Redeem your points on travel, statement credits and much more
Details at a glance Collapse details
Welcome bonus
$0
Annual rewards
$504
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual rewards
$504
- Annual fee (First Year Rebated)
$0
Total first year value
$504
Annual fees:
$150 (Reimbursed for the main cardholder in first year)
Interest rates:
20.99% on purchases
22.49 on cash advances
Great travel perks and benefits including an annual travel fees credit
Redeem your points on travel, statement credits and much more
Details at a glance Collapse details

Platinum Mastercard®

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual rewards
$209
- Annual fee (First Year Rebated)
$0
Total first year value
$209
National Bank® Platinum Mastercard®

card image
Welcome bonus
$0
À la carte Rewards points
Annual rewards
$209
À la carte Rewards points
Annual fees:
$70 (Reimbursed for the main cardholder and the first authorized user added)
Interest rates:
20.99% on purchases • 22.49% on cash advances
A low fee card with a generous suite of travel insurance
Use your points on a variety of rewards, including travel or statement credits
Details at a glance Collapse details
Welcome bonus
$0
Annual rewards
$209
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual rewards
$209
- Annual fee (First Year Rebated)
$0
Total first year value
$209
Annual fees:
$70 (Reimbursed for the main cardholder and the first authorized user added)
Interest rates:
20.99% on purchases
22.49 on cash advances
A low fee card with a generous suite of travel insurance
Use your points on a variety of rewards, including travel or statement credits
Details at a glance Collapse details

Allure Mastercard

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual rewards
$99
- Annual fee
$0
Total first year value
$99
National Bank® Allure™ Mastercard®

card image
Welcome bonus
$0
À la carte Rewards points
Annual rewards
$99
À la carte Rewards points
Annual fees:
$0
Interest rates:
20.99% on purchases • 22.49% on cash advances
Earn rewards that allow you to support the Quebec Breast Cancer Foundation (National Bank donates 10 cents for every $10 charged on the card).
A no fee card that includes shopping insurance
Details at a glance Collapse details
Welcome bonus
$0
Annual rewards
$99
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual rewards
$99
- Annual fee
$0
Total first year value
$99
Annual fees:
$0
Interest rates:
20.99% on purchases
22.49 on cash advances
Earn rewards that allow you to support the Quebec Breast Cancer Foundation (National Bank donates 10 cents for every $10 charged on the card).
A no fee card that includes shopping insurance
Details at a glance Collapse details

MC1™ Mastercard®

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual rewards
$0
- Annual fee
$0
Total first year value
$0
National Bank® MC1™ Mastercard®

card image
Welcome bonus
$0
None
Annual rewards
$0
None
Annual fees:
$0
Interest rates:
20.99% on purchases • 22.49% on cash advances
Build up your credit while paying no annual fee
Includes complimentary shopping insurance
Details at a glance Collapse details
Welcome bonus
$0
Annual rewards
$0
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual rewards
$0
- Annual fee
$0
Total first year value
$0
Annual fees:
$0
Interest rates:
20.99% on purchases
22.49 on cash advances
Build up your credit while paying no annual fee
Includes complimentary shopping insurance
Details at a glance Collapse details

mycredit® Mastercard®

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual rewards
$153
- Annual fee
$0
Total first year value
$153
National Bank® mycredit Mastercard®

card image
Welcome bonus
$0
National Bank Cash Back Rewards
Annual rewards
$153
National Bank Cash Back Rewards
Annual fees:
$0
Interest rates:
20.99% on purchases • 22.49% on cash advances
A no annual fee card that earns you money back on all of your purchases
Includes rare Mobile Device insurance!
Details at a glance Collapse details
Welcome bonus
$0
Annual rewards
$153
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual rewards
$153
- Annual fee
$0
Total first year value
$153
Annual fees:
$0
Interest rates:
20.99% on purchases
22.49 on cash advances
A no annual fee card that earns you money back on all of your purchases
Includes rare Mobile Device insurance!
Details at a glance Collapse details

Syncro Mastercard®

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual savings
$96
- Annual fee
$35
Total first year value
$61
National Bank® Syncro Mastercard®

card image
Welcome bonus
$0
None
Annual savings
$96
None
Annual fees:
$35
Interest rates:
11.2% on purchases • 15.2% on cash advances
A low fee card with one of the lowest interests rates out there
Includes complimentary shopping insurance and other great perks
Details at a glance Collapse details
Welcome bonus
$0
Annual savings
$0
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual savings
$96
- Annual fee
$35
Total first year value
$61
Annual fees:
$35
Interest rates:
11.2% on purchases
15.2 on cash advances
A low fee card with one of the lowest interests rates out there
Includes complimentary shopping insurance and other great perks
Details at a glance Collapse details

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate Average balance

$500 $3,000

22.49% $9.24 $55.45

20.99% $8.63 $51.76

12.90% $5.30 $31.81

8.9% $3.66 $21.95

*Variable interest rate in effect on September 1, 2021.

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

Details of eligible rewards points

Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points.

The amount of points earned on grocery and restaurant purchases depends on the total gross monthly amount charged to the credit card account, regardless of the purchase category. You will earn 5 points for every dollar in eligible grocery and restaurant purchases until a total of $2,500 in gross monthly purchases is charged to the account. After that, you will earn 2 points per dollar in eligible grocery and restaurant purchases. The total gross monthly amount is calculated based on your monthly billing period. Grocery purchases include any purchase made at a store that primarily sells food, i.e., grocery store, delicatessen, supermarket, greengrocer or specialty food store. Ready-to-eat meal services and meal delivery services are eligible. This definition excludes purchases made at retail stores and big box stores whose core business is the sale of non-food items. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. Restaurant purchases include purchases at a restaurant, fast food restaurant, bar, nightclub or pub. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®.

To earn 2 points per dollar in purchases, you will need to purchase gas or an electrical vehicle charge from a service station or from certain big-box stores. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®.

Recurring bill payments are defined as monthly or regular payments automatically charged by a merchant to your National Bank World Elite Mastercard credit card. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. Certain payments therefore may not entitle you to earn more points.

To earn 2 points per dollar in purchases, you must make your eligible purchases via the À la carte TravelTM Agency section of our À la carte RewardsTM site.

For example, if each month you charge $400 in groceries, $200 in gas, $100 in recurring bill payments and $150 in other purchases to your card, your $850 in purchases will earn you 2,750 points, as follows: 2,000 points for grocery purchases (since the total gross monthly amount is $850, i.e., under $2,500), 400 points for gas purchases, 200 points for recurring bill payments and 150 points for other purchases.

National Bank Lounge conditions

Exclusively available to World Elite Mastercard cardholders. Visitors must present their physical credit card and boarding pass to access the National Bank Lounge. The National Bank Lounge is only available to clients travelling to international destinations (excluding Canada and U.S. flights). Guests cannot spend more than three (3) hours in the Lounge. For National Bank clients who do not have free Lounge access and for additional guests, admission is around $37 for adults and $26 for children, plus tax. Admission is free for children under three years old. The entry price may change at any time without notice and at the discretion of the Lounge operator.

Travel and health insurance conditions

Clients must submit required documents within the given deadline. Certain conditions may apply. Only the primary cardholder (“Cardholder”) of National Bank World Elite Mastercard whose account is in good standing can request a refund of travel expenses. An account in good standing refers to an account linked to a credit card which complies with the Agreement governing the use of the credit card and which is not subject to any restrictions. For example, the annual fees related to the credit card must have been paid in full. The maximum amount that can be submitted for reimbursement between January 1 and December 31 of each year is $150.

Eligible expenses include:

airport parking fees

baggage fees

seat selection fees

access to airport lounges worldwide

airline ticket upgrades

The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. The travel fees must be charged to the National Bank World Elite Mastercard credit card. The maximum reimbursement amount is $150 per account. The refund will be issued within 7 business days following the request approval date and after receiving all required information. An amount not claimed in a year cannot be carried over to the following year. For more information or to obtain the refund form, sign in to rewards.nbc.ca, click the Refund of travel expenses tab and complete the form, you can also contact us at 1-888-296-8881 (toll-free).

This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, their spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance coverage, please consult the insurance certificate associated with your card.

Mobile devices protection:

Up to $1,000 in the event of breakage, loss or theft for a maximum of 2 years after the purchase date. The device must have been purchased using your National Bank World Elite Mastercard credit card, or your phone plan must be paid via recurring payments charged to your National Bank World Elite credit card starting September 1, 2022. For complete terms and conditions, please consult the insurance certificate associated with your card.

*Rates, product information, and reward estimates are subject to change at any time and do not constitute financial advice. This post was not sponsored. The views and opinions expressed in this review are purely those of RATESDOTCA. Information in this article is accurate as of the date of this posting, June 18, 2021. Read our full disclaimer.

National Bank rewards

Whichever credit card you choose, National Bank offers a very flexible rewards program. You can use your National Bank rewards points for the following:

  • Travel bookings: If you have a National Bank travel rewards card, you can enjoy the perks of travel insurance, vehicle rental insurance, and redeem your points at a travel agency of your choice, among other things.

  • National Bank products: Such as free year of banking if you have a banking plan with a monthly fee or use your points to help make a payment on your mortgage.

  • Merchandise: Redeem your points on items like home products, kitchen appliances, and fashion accessories

  • Retail purchases: You can use your points to purchase a gift card from popular retailers like Starbucks, Best Buy, and Hudson’s Bay.

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