Illustration of the National Bank Platinum Business Mastercard

Platinum Business Mastercard

Turn your business expenses into rewards

Platinum Business Mastercard

Picto of a circled dollar sign

Earn 1.5 points per dollar spent,6

Picto of a wallet

Manage your monthly spending limit

Picto of a cellphone with a shield

Insurance for departing flight delay, lost luggage, and car rentals

Annual fee
Annual fee for additional card $50

$125

 

Minimum credit limit 1

$1, 000

Purchase rate

20.99%

Interest rate for balance transfers and cash advances 2-3

22.99%

Apply now

Secure online form

Jusqu’à 900 $ en rabais voyage ou jusqu’à 800 $ à investir dans un produit financier annuellement*

For those with business sense

You can exchange your points for gift cards, travel deals, financial products, and much more.

picto plane

Earn points for every dollar spent6

  • Get 1.5 points for every $1 spent on eligible purchases6
  • Earn an additional 1.5 points for every $1 spent on eligible purchases with À la carte TravelMC,6
Picto two tone rewards

Turn your points into rewards

  • Get gifts and gift cards from our online store
  • Get holiday packages, airline tickets and travel discounts exclusive to our À la carte Rewards program
  • Exclusive to your Platinum Business card: pay for the expenses you want usingthe credit from your account

Ready to create an account or sign in?

Credit card with the same rate as a line of credit

In case of unexpected events, minimize your interest rate fees with a card that has the same rate as a line of credit.

Our Mastercard Business Line

Short-term financing

Looking to improve your cash management?

See our financing solutions

Platinum Business Mastercard benefits 

Picto of a Mastercard credit card

Separate your business and personal expenses

  • Manage your business expenses with ease 
  • Card granted regardless of the size of your company and industry 
  • Lower annual fee than some of our personal cards, and the fee is tax-deductible 
Picto of an airplane

Earn 1.5 points with no purchase limit

  • Get 1.5 points for every $1 spent on eligible purchases6 
  • Earn an additional 1.5 points for every $1 spent on eligible purchases with À la carte TravelTM Agency6 
  • Combine your accumulated points with your personal National Bank rewards card 
Picto of a debit card with a small dollar sign

Turn your points into rewards or account credits

  • Get gifts and gift cards from our online boutique
  • Get holiday packages, airline tickets, and travel discounts exclusive to our À la carte Rewards Plan®
  • Exclusive to your Platinum Business card: pay for the expenses you want using the credit from your account

 

Want to create an account or sign in to À la carte RewardsTM to redeem your points?

Redeem points

Picto of a credit card

Pre-authorized debit

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.

Turn your points into rewards with the Platinum Business Mastercard credit card 

Picto of a clock   Apply in less than 5 minutes

Useful Articles

No Result found

How can we help you?

Ask us your questions

Get personalized advice from an expert by scheduling a call with us.

Picto of two conversation bubbles with a question mark and the National Bank logo

Need immediate assistance?

1-844-394-4494

Monday to Friday,
7 a.m. to 8 p.m. (ET)

Picto of a phone

Little details that matter

The offer that ended on July 31st, 2023, takes place over a 3-month period, during which time you receive a rebate on your account if a minimum amount of net purchases is charged to the eligible credit card account.

*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:

Estimated value of rewards

  • Has $113,028 in annual expenses 

169,542 rewards points valued at over $1,412 in travel discounts (redeemable in increments of 12,000 points only, each increment equaling $100)

  • Take advantage of the welcome offer of 10,000 rewards points after the first transaction carried out with the card, no minimum purchase

10,000 rewards points valued at $83 in travel discounts (redeemable in increments of 12,000 points only, each increment equaling $100)   

  • Take advantage of the 20,000 rewards points offer by spending $5,000 in purchases within the first 3 months  

20,000 rewards points valued at $166 in travel discounts (redeemable in increments of 12,000 points only, each increment equaling $100) 

  • Take advantage of the 30,000 rewards points offer by making $20,000 in purchases in the first 12 months 
30,000 rewards points valued at $250 in travel discounts (redeemable in increments of 12,000 points only, each increment equaling $100)   
  • Save on annual fees for the first year ($125 value)
$125
  • Save on annual fees for an additional card for the first year ($50 value)
$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 July 31st, 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 July 31st, 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.

 

  • Points per $ spent6
$1 purchase = 1.5 points    You can earn points even faster by making your purchases through the À la carte Travel™ online agency.
   
  • Travel discounts
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.
  • À la carte Travel
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
  • Account credit 
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

À la carte Rewards Centre

Insurance claim 

Report fraudulent use by an authorized cardholder

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

 

$500

$3,000

22.99%

$9.45

$56.69

20.99%

$8.63

$51.76

14.5%

$5.96

$35.75

11.7%

$4.81

$28.85

*Variable interest rate in effect on April 24, 2023.

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.