MasterCard Credit Cards

Banniere_Affaires_EN

Rate

19.99% / No fee

Reduced rate

13.9% / $15 per year (more information)

Regular annual interest rate on balance transfers and cash advances

21.99%

Rewards

No

Additional card

No fee

Minimum credit limit

$1,000

More than just a card: protection you can count on3

  • Protection against fraudulent use by employees
    If an authorized cardholder uses the card for fraudulent purposes, your company is protected up to $10,000 for that card.*
  • MasterCard Zero Liability**
    Protects you against liability for unauthorized purchases made with the card. Coverage extends to purchases made in-store, over the phone and online.

Advantages tailored to your needs

  • Free additional cards
    There is no extra cost for issuing up to nine additional cards.
  • Credit limit adapted to your business
    For greater flexibility, all cardholders share the total credit limit granted to your business and use it according to their needs.
  • Monthly spending limit
    You can limit monthly cardholder spending based on each cardholder's needs and user profile.
  • Access to commercial accounts
    Use a single card to make purchases, monitor activity in your National Bank current accounts and access Internet Banking Solutions2 for Business.
  • Pre-authorized debits
    Easy management of bill payments: authorize suppliers to debit your account on fixed dates.
  • MasterCard Global ServiceTM
    If your card is lost or stolen while you're abroad, a toll-free number will put you in touch with MasterCard Global Service which will come to your rescue no matter where you are.

Reduced interest rate1

For just $15 a year, you'll benefit from a preferential interest rate on your purchases, cash advances and balance transfers.

  Regular rate Reduced rate
Purchases 19.99% 13.9%
Balance transfers and cash advances 21.99% 8.9%

For more information, click here or call 514-394-1427 or 1-888-9MY CARD.

 

1 Subject to credit approval by National Bank. No interest will be charged on the purchases made during the month if the balance is paid in full within twenty-one (21) days of the date of the statement. This grace period does not apply to cash advances and balance transfers. The minimum payment to be made to the Bank every period shall be equal to 3% of the unpaid balance indicated in the monthly statement or a minimum of $50, whichever amount is higher (or the new unpaid balance if it is lower than $50). A statement of account is sent on a monthly basis. View examples of credit charges calculated over a period of thirty (30) days based on the rate in effect as at July 15, 2010.
2 Certain browser versions are needed in order to access National Bank Internet Banking Solutions. Please read the browser requirements at under www.nbc.ca/browser
3 Certain conditions and restrictions apply. For details, consult documentation available in-branch.
* Subject to the terms, conditions, limitations and exclusions applicable to this program, the company is protected by the Bank against fraud committed internally by the cardholders, involving the use of the card, for up to $10,000 per card, per year. To be eligible for this protection, the company must report the fraud and offender to the appropriate authorities for investigation and legal action. The forms used to report fraudulent use of a card by a cardholder are available by contacting the Bank at 1-800-231-2024 or 514-394-0805. You can also request the necessary forms by writing to: National Bank of Canada, 600 de La Gauchetière West, Level B, Suite 16654, Montreal, Quebec H3B 5B5.
** Certain conditions and restrictions apply. Visit www.mastercard.ca for more information

Primary features

Opt for a simple, efficient and attractive payment solution. Annual interest rate of 21.99% for cash advances and balance transfers.

Important information
Minimum credit limit $1,000
Annual fee for primary card No fee
Annual fee for additional card No fee
Regular annual interest rate on purchases 19.99%
Annual fee for reduced interest rate $15
Reduced annual interest rate on purchases 13.9%
Reduced annual interest rate on balance transfers and cash advances 8.9% (The granting of the reduced rate is subject to credit approval by National Bank. The reduced rate currently offered is 8.9% on balance transfers and cash advances, and 13.9% on 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 No
Extended warranty on purchases No
Vehicle rental insurance No
Travel insurance/Accident insurance while aboard a common carrier No
Medical, general and legal assistance No
Other interesting features

The option of having additional cards issued on the account for free.

 

24-hour access to your commercial accounts and Internet Banking Solutions inc.

Additional Cards

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

 Download the request form (not applicable to Ultramar and Platinum business cards)

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

Top

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 your National Bank Customer Contact Center:
514 394-1427 or 1 888 622-2783

Top

Internet Banking Solutions2 (IBS)

Carry out day to day 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.

Top

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

Top

Payment Protection Plan4

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 of each card available in the Current Cardholder Section.

Top

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

Top

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.

Top

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.

Top

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

Top

 

1 A fee may apply for certain cards. Please take note of the application form enclosed in this brochure. 
2 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 
3 Subject to credit approval by National Bank 
4 Offered by National Bank Insurance. Certain conditions and restrictions apply. Please consult documents available at your branch for more information. 
5 Upon approval of credit by National Bank of Canada.

Find out more