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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
$500
+ Annual rewards
$504
- Annual fee (First Year Rebated)
$0
Total first year value
$1004
National Bank® World Elite™ Mastercard®

card image
Welcome bonus
$500
À la carte Rewards points
Annual rewards
$504
À la carte Rewards points
Annual fees:
$150 (Reimbursed for the main cardholder and the first authorized user added)
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
$500
Annual rewards
$504
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$500
+ Annual rewards
$504
- Annual fee (First Year Rebated)
$0
Total first year value
$1004
Annual fees:
$150 (Reimbursed for the main cardholder and the first authorized user added)
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
$106
- Annual fee
$35
Total first year value
$71
National Bank® Syncro Mastercard®

card image
Welcome bonus
$0
None
Annual savings
$106
None
Annual fees:
$35
Interest rates:
10.7% on purchases • 14.7% 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
$106
- Annual fee
$35
Total first year value
$71
Annual fees:
$35
Interest rates:
10.7% on purchases
14.7 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

*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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