Mastercard Credit Cards for Businesses

^®Mastercard and Priceless Cities are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.

TM À LA CARTE TRAVEL is a trademark of National Bank of Canada. À la carte Travel is owned by Transat Distribution Canada Inc., holder of permit No. 753141 in Quebec.

¹ Subject to credit approval from National Bank. Certain conditions apply.

² Grace period: At least 21 days on purchases if you pay your full balance by the due date indicated on your monthly statement (no grace period applies to balance transfers and cash advances). Your minimum payment will correspond to 2.5% of your account balance plus any amount already due or $10, whichever amount is higher. If your account balance is lower than $10, you must pay the entire balance.  If you exceed your credit limit, the amount of the minimum payment will be the highest of the following amounts: (a) 2.5% of the account balance or (b) the amount of the overlimit. Account statement: A statement is sent monthly.

Example of credit charges calculated over a period of 30 days 

     *Variable interest rate in effect on August 1^ST, 2019

³ This coverage applies to purchases and rentals made using the card, except (if applicable) out-of-province medical/hospital insurance for which it is not necessary to charge the travel arrangements to the card. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the distribution guide and insurance certificate associated with your card.

⁴Some of our cards offer a compensation plan in the event of fraud by a cardholder. If necessary, the fraud compensation plan entitles you to a refund limited to the real loss resulting from fraudulent use of the card or account by the cardholder. This plan only applies in the event of fraudulent use by a cardholder who is not also an authorized signatory. The refund amount can be up to $10,000 per account per 12-month period. To use this plan, the company and all authorized signatories must fully collaborate with the Bank and file an official complaint with law enforcement authorities. The application of the fraud protection plan is governed by the conditions set out in section 14 of the credit card agreement. In particular, the plan does not apply if, through negligence, the cardholder contributed to the unauthorized or fraudulent use of the card or account by any person other than a cardholder.

⁵ Indemnification by the Bank
Zero Responsibility
You will not be responsible for transactions made in store, over the phone, online, on a mobile device or at an ABM with a lost or stolen card when:

• you have used reasonable care to protect a card from loss or theft.
• we have been promptly informed of the loss, theft or possible unauthorized use of a card.

Not Responsible in the Event of Fraud
You are not responsible for a fraudulent transaction, up to $15,000 per card per year, when the following conditions are met: a transaction is made by one of your employees or agents, other than an Authorized User; less than 12 months have passed between the date that we have been notified of the fraud and the date of the fraudulent transaction; and you reported the person responsible for the fraud to the appropriate authorities and you have terminated their employment or contract.
For the purposes of this section, a Virtual Card number is not considered a card.