MasterCard Credit Cards

Banner Ultramar

Rate

19.99%No fee

Regular annual interest rate on balance transfers and cash advances

21.99%

Additional card

No fee

Minimum credit limit

$500 (depending on your credit file)

The Ultramar Card gives you three ways to take advantage of rebates***:

1. Get up to 2.5% back on your purchases at Ultramar

A rebate of up to 2.5%, based on the total amount of your monthly purchases at Ultramar, will be credited to your account.

If the total Ultramar purchases charged to your card during the year amount to $2,500 or more, you will also receive an additional annual rebate of 0.5%.

Total monthly amount Monthly rebate
$0.01 to $100 1 %
$100.01 and over 2 %
Total annual amount Additional rebate
$2.500 and over 0.5 %

2. Get up to 1.25% back on all purchases made elsewhere

What's more, you will get an annual rebate of up to 1.25% on all purchases made with your Ultramar MasterCard at retailers other than Ultramar or Home Heating, anywhere, anytime*!

* All purchases charged to your Ultramar MasterCard will be considered when calculating your rebate, exept those made at Ultramar and Home Heating.

Annual total charged to card Rebate **
$0 to $6 000 0.25 %
$6 000.01 to $9 000 0.50 %
$9 000.01 and over 1.25 %
** Rebate on purchases made elsewhere than at Ultramar*

3. Get up to 2.5% back on your purchases at Home Heating

Every time you pay your Home Heating heating oil bill with your Ultramar MasterCard, you automatically enjoy a rebate of 2.5%. This applies to all heating oil, equipment and any other product purchased at Home Heating using your Ultramar card.

Examples of ways you can save

*** Please note that the maximum annual rebate for all purchases made with your Ultramar MasterCard is $250.

More than a card: protection2 you can count on

  • MasterCard's Zero Liability3
    Protects you against all liability if unauthorized purchases are made with your credit card. This coverage extends to purchases made in stores, over the phone or online.
  • Purchase protection
    Provides coverage in case of theft or damage for a period of 90 days following the date of purchase.
  • Extended warranty
    Doubles the original warranty period, for up to one additional year.

 

1 Subject to credit approval by National Bank.
2 Certain conditions and restrictions apply. Consult the documents available in branches for more details.
3 Certain conditions and restrictions apply. Visit mastercard.ca for more information.
View the credit card's term and conditions.

Primary features

Profit from savings on your gas purchases at Ultramar and heating oil bills at HomEnergy. Annual interest rate of 21.99% for cash advances and balance transfers.

Important information
Minimum credit limit $500
Annual fee for primary card No fee
Annual fee for additional card No fee
Regular annual interest rate on purchases 19.99%
Rewards
CashBack rewards Description Cash-Back program on all your purchases.
Insurance program
Trip cancellation insurance No
Trip interruption insurance No
Out-of-Province-of-Residence Medical/Hospital Insurance No
Flight delay insurance No
Baggage loss and theft insurance No
Baggage delay insurance No
Purchase insurance For a period of 90 days following the purchase date
Extended warranty on purchases Doubles the manufacturer's guarantee up to one additional year
Vehicle rental insurance No
Travel insurance/Accident insurance while aboard a common carrier No
Medical, general and legal assistance No
Other interesting features

Get up to 2.5% back a year on your purchases at Ultramar and your heating oil purchases at HomEnergy.

 

You also get up to 1.25% back on the value of your purchases at retailers other than Ultramar.

Additional Cards

You can have up to three additional1 MasterCard credit cards issued on your account for your spouse or anyone else.

Cards Additional fee per card
Edition No fee
MC1 No fee
Allure No fee
OVATION Gold No fee
Platinum No fee
Ultramar No fee
Syncro No fee
Platinum Business $35
Business No fee

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Pre-authorized Debit

You can choose to have your MasterCard account payment automatically withdrawn, when due, from your National Bank account or an account at any other financial institution.

To sign up for pre-authorized debit service

Please call MasterCard Customer Service Center at:
514 394-1427 or 1-888-969-2273

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Internet Banking Solutions2 (IBS)

Carry out everyday MasterCard account transactions online at any time:

  • View your account balance and card history
  • See how many rewards points you've accumulated
  • Increase your credit limit

Sign up now to our Internet Banking Solutions.

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Travel Protection

Choose to purchase Travel Insurance2, payable once a year, to protect all your trips for a full year. Select your coverage for trips that last a maximum of 15 or 30 days, and enjoy peace of mind all year long!

  • Coverage up to $ 5,000,000 including hospitalization expenses, medical and paramedical expenses, transportation expenses, and allowance for living expenses if you are abroad
  • Refund of expenses if your trip is cancelled or interrupted
  • Coverage of baggage against loss, theft or vandalism

If you are not a Platinum cardholder or if the travel insurance included is not enough for you, call1 800 240-8424.

Annual fees

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Payment Protection Plan2

You can also take advantage of optimal protection, which ensures that your minimum monthly payments are made or that your account balance is paid off, depending on the situation.

  • For more information on our Payment Protection Plan, call 1-877-871-7500
  • Consult the insurance certificate at the bottow of each page describing the Nationale Banque MasterCard credit cards.

Balance Transfers3

Avoid the problems of trying to manage several accounts at the same time by transferring the balances of your credit cards from other financial institutions or department stores to your National Bank MasterCard.

Here are 3 easy ways to make a balance transfer:

  1. Online. If you have a bank account with National Bank, open a session via the Internet Banking Solutions, click on the MasterCard tab and select Balance Transfer.
  2. Download and complete the balance transfer application and return it by fax at 514-394-8772 or 1 866-394-8772.
  3. Call our Customer Service Center to ask that a balance transfer application be sent to you: 514 394-1427 or 1 888 9MYCARD

Automated Services

Drop by your local branch and assign a personal identification number (PIN) to your credit card. This enables you to access all your bank account at all times using bank machines in the InteracTM1 and MasterCardTM2 /CIRRUS® network. Network usage fees apply.

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Cash Advances

Your MasterCard gives you easy access to cash advances right around the world. Interest is calculated from the day the cash advance is made.

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SecureCodeTM

MasterCard SecureCodeTM is a new service from MasterCard and your card issuer that offers added security when you shop online at participating merchants by providing added protection against unauthorized use of your enroled card. 

Know more about SecureCodeTM

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1 Certain browser requirements are needed to access National Bank Internet Banking Solutions. Please consult theBrowser Requirements for Internet Financial Services sections under ABC's of Security at www.nbc.ca 
2 Offered by National Bank Insurance. Certain conditions and restrictions apply. Please consult documents available at your branch for more information. 
3 Upon approval of credit by National Bank of Canada and the total amount of transfer may not exceed $5,000.

Find out more