National Bank credit cards

Compare rates, fees, charges, features, and perks for National Bank credit cards.

By   |   Verified by David Boyd   |   Updated 27th January 2023

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Comparing National Bank credit cards

National Bank Platinum Mastercard

On website

Featured

National Bank Platinum Mastercard

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Earn up to 35,000 points. That's 15,000 welcome points when you spend at least $3,000 within three months of opening the account. Get 10,000 points when you signup for the insurance. Plus an additional 10,000 points when you spend at least $6,000 within 12 months of opening the account. Terms and Conditions apply.
  • $0 annual fee for the first year.
  • Travel insurance for up to 10 days, which includes trip cancellation and travel interruption insurance.
  • Mobile devices insurance against theft or damages for a period of up to 2 years

Pros

  • Gives you the equivalent of $490 in benefits and rewards the first year when you reach the minimum purchase requirement.
  • The 2 reward points per $1 spent on groceries and restaurants.
  • Comes with comprehensive insurance coverage, trip cancellation/interruption, flight delay, baggage insurance, and rental vehicle insurance.
  • Includes mobile phone insurance.
  • Use accumulated points to get new electronics, vacation packages, travel tickets, and more.

Cons

  • The annual fee reverts to $70 p.a. after the initial year.
  • Gas purchases, travel, and recurring bill payments earn 1.5 reward points per $1 spent then other purchases will earn 1 reward point per $1.50 spent.
National Bank World Mastercard

On website

National Bank World Mastercard

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$115.00 p.a. ongoing

Highlights

  • Earn 2 reward points per $1 spent on all transactions. Terms and Conditions apply.
  • Enjoy up to 60 days of comprehensive travel insurance.
  • Includes extended warranty on your purchases.

Pros

  • The 2 reward points per $1 spent on all purchases.
  • Comes with comprehensive insurance coverage, trip cancellation/interruption, flight delay, baggage insurance, and rental vehicle insurance.
  • Use accumulated points to get new electronics, vacation packages, travel tickets, and more.

Cons

  • There is no sign-up bonus offer on this card at the moment.
  • The $115 p.a. annual fee.
National Bank World Elite Mastercard

On website

Apply by 30 June 2023

National Bank World Elite Mastercard

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Earn up to 70,000 points. That's 30,000 welcome points when you spend at least $5,000 within three months of opening the account. Get 10,000 points when you signup for the insurance. Plus an additional 30,000 points when you spend at least $12,000 within 12 months of opening the account. Terms and Conditions apply.
  • $0 annual fee for the first year.
  • Earn 5 reward points per $1 spent on groceries and restaurant transactions. Terms and Conditions apply.
  • Enjoy unlimited access to the National Bank lounge at Montréal-Trudeau Airport and get up to $150 each year in refund for your travel expenses.

Pros

  • Gives you the equivalent of $1,750 in benefits and rewards the first year when you reach the minimum purchase requirement.
  • Gas purchases, travel and recurring bill payments earn 2 points per $1 spent then other purchases will earn 1 point per $1 spent.
  • Take advantage of the unlimited lounge access and the $150 refund per year on your travel expenses.
  • Comes with comprehensive insurance coverage, trip cancellation/interruption, flight delay, baggage insurance, and rental vehicle insurance.
  • Includes extended warranty on your purchases.
  • Enjoy concierge service that offers a wide range of services.

Cons

  • The annual fee reverts to $150 p.a. after the initial year.
National Bank ECHO Cashback Mastercard

On website

National Bank ECHO Cashback Mastercard

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$30.00 p.a. ongoing

Highlights

  • Earn 1.5% cashback on most online purchases, in grocery stores, and on gas. Terms and Conditions apply.
  • Get unlimited 1% cashback on all other purchases.
  • Apply your cashback as soon as you accumulate $10. You can even access your cashback on the go from any tablet or mobile device.

Pros

  • Get up to 1.5% cashback on eligible online purchases, grocery stores and gas. 1% cashback on all other purchases.
  • Includes Purchase protection and Extended warranty.
  • Low annual fee of $30.

Cons

  • There is no introductory balance transfer offer on this card.
National Bank Syncro Mastercard

On website

National Bank Syncro Mastercard

Balance transfer

N/A

Purchase rate

From 10.7% p.a. ongoing

Annual fee

$35.00 p.a. ongoing

Highlights

  • Low-interest rate of 10.70% p.a. on purchases.
  • 14.70% p.a. on cash advances and balance transfers.
  • Annual fee of $35 p.a.

Pros

  • A low-interest rate on purchases at 10.70% p.a.
  • Includes Purchase protection and Extended warranty.
  • Additional cardholders at no extra cost.

Cons

  • There is no rewards program on this card.
National Bank Mycredit Mastercard

On website

National Bank Mycredit Mastercard

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • $0 annual fee.
  • Earn 1% cashback on restaurant transactions and recurring automatic transfers. Terms and Conditions apply.
  • Get 0.5% cashback on all other purchases.

Pros

  • $0 annual fee.
  • Earn up to 1% cashback.
  • Get insured against theft or damage for up to 2 years following the purchase of your mobile device using your Mycredit Mastercard.

Cons

  • There is no introductory balance transfer offer on this card.
National Bank Allure Mastercard

On website

National Bank Allure Mastercard

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • The Allure card allows you to contribute to the Quebec Breast Cancer Foundation.
  • $0 annual fee.
  • 1 point for every $2 spent (earn $10 for every 1,000 points earned).

Pros

  • $0 annual fee.
  • 1 point for every $2 spent.
  • Receive a 10% discount on the purchase of certain gift cards.

Cons

  • There is no introductory balance transfer offer on this card.
National Bank MC1 Mastercard

On website

National Bank MC1 Mastercard

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • $0 p.a. annual fee
  • Includes Purchase protection and Extended warranty.
  • Control your spending by setting your credit limit to $500.

Pros

  • $0 p.a. annual fee
  • Includes Purchase protection and Extended warranty.
  • Get room upgrades, exclusive menus and many other surprises.

Cons

  • There is no rewards program on this card.