Platinum Business Mastercard

Turn your business expenses into rewards

Platinum Business Mastercard® at a glance

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Earn 1.5 points per dollar spent,1  with no purchase limit

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Manage your monthly spending limit

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Insurance for departing flight delays, lost luggage, and car rentals2

Annual fee


Annual fee for additonal card




Interest rate for balance transfers and cash advances 5


Apply now

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

Platinum Business Mastercard benefits 

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Separate your business and personal expenses

  • Manage your business expenses with ease 
  • Card granted regardless of the size of your company and industry, pending a credit approval
  • Lower annual fee than some of our personal cards, and the fee is tax-deductible 
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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 Agency1
  • Combine your accumulated points with your personal National Bank rewards card 
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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

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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Your card payments can be automatically withdrawn from your National Bank or other account so you can avoid late payment fees if you set up pre-authorized debit.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 

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

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Little details that matter

Length of the welcome promotion

From February 19 to May 15, 2024.

Eligibility conditions

  • Sign up for a National Bank Platinum Business Mastercard® credit card during the promotion as a primary cardholder.
  • Not have held one of our business Mastercard credit cards from National Bank over the past 24 months.
  • Keep the credit card account open until rewards points are paid. 
  • Keep the account in good standing by complying with the conditions set out in the Cardholder Agreement for Mastercard®Business Cards until the rewards points are paid. For example, all minimum payments must be made on time.
  • Not be employed by National Bank or one of its subsidiaries.

Description of the promotion

Up to 50,000 rewards points after signing up and annual fees reimbursed for the first year for the primary cardholder and the first additional authorized user.

Annual fees

No annual fees for the first year for the primary cardholder and the first additional authorized user.

We will charge annual fees to the account of your new card and reimburse those fees to you. You will receive this reimbursement within five months of opening your account, provided that your account remains open. It will appear on your statement in the form of a credit.

To benefit from the annual fee discount for the first additional authorized user’s card, you must add it to the account opening request.

Annual fees associated with cards for other authorized users are not eligible for this promotion.

Rewards points

Points offered


When points are awarded to the account 


$5,000 in purchases in the first three months

In the two months following the end of the purchase calculation period.


$20,000 in purchases per month for the first year

In the two months following the end of the purchase calculation period.  

How total purchases are calculated

The calculation is for the total amount of purchases made through all cards linked to the account. The transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards PlanTM.

Other conditions

  • You can only take advantage of the promotion once. 
  • Issuance of the card is subject to credit approval by National Bank of Canada. Other conditions apply to the issue of the card.
  • This promotion may not be combined with any other promotion or offer applicable to National Bank credit cards, nor is it retroactive.
  • This 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
  • 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

Customer service or report a lost or stolen card

À la carte Rewards Centre

Insurance claim 

Report fraudulent use by an authorized cardholder


®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. Some restrictions apply. For more information, see the Rewards Plan section or the Points Earning Plan Rules.

2. 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.

3. 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
















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

4. Subject to credit approval from National Bank. The total of all amounts transferred cannot exceed $5,000. 

5. Certain conditions apply. Visit 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.

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