Platinum Business Mastercard® at a glance
Earn 1.5 points per dollar spent,6 with no purchase limit
Manage your monthly spending limit
Insurance for departing flight delay, lost luggage, and car rentals
Subject to credit approval by National Bank.
To take advantage of our welcome offer, you must not currently hold a business National Bank Mastercard credit card or have held one in the last 24 months. Both the primary and an additional cardholder will be refunded their annual card fee for the first year. The refund will appear as a fee and a credit on their statement no later than 4 months after the account was opened.
Jusqu’à 900 $ en rabais voyage ou jusqu’à 800 $ à investir dans un produit financier annuellement*
Your business expenses can earn you points. You can exchange your points for gift cards, travel deals, financial products, and much more.
Apply for the Platinum Business Mastercard credit card by June 30, 2023, and save on the annual fee for the primary card and an additional card for the first year. You could earn up to 60,000 points if you make the required minimum purchases in the first year as well. When added to the rewards points earned from the average annual expenses of $113,028, that's the equivalent of $2,086 in benefits and rewards!
Offer is for new cardholders only. Conditions apply.*
Certain eligibility requirements apply. The potential amount varies depending on annual account spending, travel expenses reimbursed, and number of visits to the National Bank Lounge. Redemption value may vary depending on the type of reward. To find out how many points are required for each reward, visit rewards.nbc.ca. Travel discounts are only redeemable by increments of 12,000 points, each increment equaling $100.
Value of each benefit and reward
10,000 rewards points after the first transaction, with no minimum purchase
$83
in travel discounts
20,000 rewards points for $5,000 in net purchases within the first 3 months
$166
in travel discounts
30,000 rewards points for $20,000 in net purchases after 12 months
$249
in travel discounts
169,542 rewards points after $113,028 in annual expenses
$1,412
in travel discounts
No annual fee for the first year on the primary card
$125
No annual fee for the first year on an additional card
$50
Benefits and rewards in the first year
$2,086
Your card payments can be automatically withdrawn from your National Bank or other account so you can avoid late payment fees if you set up pre-authorized debit.
Apply in less than 5 minutes
Get personalized advice from an expert by scheduling a call with us.
*Illustration of the potential $2,086 in benefits and rewards
The potential benefit and reward amount of $2,086 is an illustration of what can be achieved in the first year for a Platinum Business cardholder. It is based on the typical profile of a new cardholder who:
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Estimated value of rewards |
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169,542 rewards points valued at over $1,412 in travel discounts (redeemable in increments of 12,000 points only, each increment equaling $100) |
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10,000 rewards points valued at $83 in travel discounts (redeemable in increments of 12,000 points only, each increment equaling $100) |
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20,000 rewards points valued at $166 in travel discounts (redeemable in increments of 12,000 points only, each increment equaling $100) |
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30,000 rewards points valued at $250 in travel discounts (redeemable in increments of 12,000 points only, each increment equaling $100) |
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$125 |
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$50 |
Certain eligibility requirements apply. Potential amount varies depending on annual spending on the account. Redemption value may vary by reward type. To find out how many points are required for each reward, visit rewards.nbc.ca.
Duration of the promotion
April 17 to June 30, 2023.
Card eligible for the promotion
National Bank Platinum Business Mastercard® credit card.
Promotional advantages and terms and conditions of the promotion
To benefit from this promotion, apply for the eligible credit card no later than June 30, 2023. In addition, you cannot be the primary cardholder of a National Bank Mastercard business credit card or have been over the previous 24 months.
Savings on annual fees for the first year:
The annual fees for the card will be refunded for the first year for the main cardholder and for the first authorized user of an additional card added to the account. To receive the annual fee refund for the first authorized user of an additional card, they must be added on the account opening application. Annual fees will appear as a charge on the first statement, and as a credit no later than on the 4th statement after your account is opened.
The primary cardholder is responsible for all charges to the account, including those incurred by an authorized user of an additional card.
Reward points:
Welcome offer:
You will obtain 10,000 rewards points after the first transaction charged to the card, with no minimum purchase.
You will obtain 20,000 rewards points if you charge a net purchase amount of $5,000 or more to the credit card within first three months of opening your account.
The net purchases charged to your card are calculated over a period of three months, starting when the account is opened. Your rewards points will be added to your credit card account in a single payment and appear on your statement no later than on the 5th statement after the account is opened.
Anniversary offer:
You will obtain 30,000 rewards points if you charge a net purchase amount of $20,000 or more to the credit card within the first 12 months of opening your account.
Points are earned on net purchases for a period of 12 months from the account opening date. Your rewards points will be added to your credit card account in a single payment and appear on your statement no later than on the 14th statement after the account is opened.
Eligibility and terms and conditions
This offer is intended for individuals who do not have a National Bank Mastercard business credit card and have not had a National Bank business credit card over the last 24 months. There is a limit of 60,000 rewards points per eligible credit card account during the promotion period, regardless of the number of credit cards associated with the account. The account must be open and in good standing at the time the annual fees are refunded, and bonus rewards points are applied.
It cannot be combined with any other National Bank business credit card promotion. Employees of National Bank and its subsidiaries and entities are not eligible for this promotion. The promotion may be modified, extended or cancelled at any time, without prior notice.
Cashback and refund conditions
Net purchases: The net purchase volume is the number of purchases charged to the account minus returned items and refunds. Annual fees, balance transfers, cash advances (including transactions that can be directly converted to cash, such as money orders, bank transfers, traveller's cheques and gaming transactions), interest charges and any other fees or adjustments not considered purchases are not included in the calculation of net purchases.
Account in good standing: An account related to the credit card and not contravening in any way the Agreement governing the use of the credit card and on which no restrictions are applied.
Cashback limit: There is a limit of one cashback amount per category (welcome offer points and points obtained on the 1st anniversary of the account opening date) per credit card account and per client during the promotion, regardless of the number of cards linked to the account.
Other conditions
The card is issued subject to credit approval by National Bank of Canada. Certain conditions apply to the issue of the card.
The promotion may not be combined with another promotion applicable to National Bank business credit cards, nor is it retroactive.
You must not be employed by us or by an entity in our group.
The promotion may be modified or withdrawn without notice.
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$1 purchase = 1.5 points You can earn points even faster by making your purchases through the À la carte Travel™ online agency. |
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The À la carte™ Rewards Plan gives you the freedom to travel without restrictions with the travel provider or carrier of your choice. For information on travel discounts, visit rewards.nbc.ca. |
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With the À la carte Travel™ online agency, reduce the cost of your packages and airline tickets by redeeming your points. Additionally, you can plan your entire trip by booking hotels, cruises, vehicles and other services. Discover the À la carte Travel Agency |
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Visit Plan rules for all the details. |
Summary and insurance certificate
Consult the Purchase protection summary | Travel insurance summary | Certificat d’assurance [PDF].
Compensation plan in the event of fraud
Up to $10,000 (see the Cardholder
Agreement)
Purchase protection in the event of theft or damage 4
180-day purchase protection following the date of purchase
Extended warranty 4
Triple the manufacturer's warranty, up to 2 additional years
Flight departure delay insurance 4
Up to $500 per person (over 4 hours)
Baggage insurance in case of theft or loss 4
Up to $1,000 per person
Baggage insurance in case of delay 4
Up to $500 per person (over 6 hours)
Vehicle rental insurance 4
Against collision, theft or damage for a period of 48 days or less
(theft of personal effects up to $2,000)
Travel insurance in case of accident aboard public transit 4
Up to $250,000
Safe online purchases
Mastercard® ID CheckTM is a service that protects you against fraud by verifying your identity when making online purchases.
Easy Savings Program 5
With the Mastercard Easy Savings Program you automatically receive discounts on eligible purchases at participating merchants.For a list of participating merchants, go to mastercard.ca/easysavings.
Customer service or report a lost or stolen card |
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À la carte Rewards Centre |
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Insurance claim |
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Report fraudulent use by an authorized cardholder |
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Chargeback |
®Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank
®À LA CARTE REWARDS PLAN is a registered trademark of National Bank.
™À LA CARTE TRAVEL and À LA CARTE REWARDS are trademarks 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.
2. Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.
Example of credit charges over a 30-day period
Annual interest rate |
Average balance |
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|---|---|---|
$500 |
$3,000 |
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22.99% |
$9.45 |
$56.69 |
20.99% |
$8.63 |
$51.76 |
14.5% |
$5.96 |
$35.75 |
8.9% |
$3.66 |
$21.95 |
*Variable interest rate in effect on September 1, 2021
3. Subject to credit approval from National Bank. The total of all amounts transferred cannot exceed $5,000.
4. This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card, and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, their spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.
5. Certain conditions apply. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.
6. Certain restrictions apply. You must, therefore, first pay for your trip in full with an eligible credit card to redeem your points. Your travel credit will take effect approximately 72 hours after the exchange. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points.
