Illustration of the National Bank Platinum Business Mastercard

WELCOME OFFER 

Platinum Business Mastercard

Get a credit card and take advantage of 20,000 points and no annual fees for the first year

Limited time offer. Minimum purchase of $5,000 over the first 3 months required.
Certain conditions apply.*

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Platinum Business Mastercard

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Earn 1.5 points per dollar spent6

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Manage your monthly spending limit

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Insurance for delayed flights, lost luggage and car rentals

OFFER:

No annual fees for the first year  $0
Annual fee of $125 after the first year

$1,000 minimum credit limit1

Purchase rate  20.99 %

Interest rate for balance transfers and cash advances2‑3 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

Your business expenses can earn you points. You can exchange your points for gift cards, travel deals, financial products, and much more. Oh, this also includes no annual fees for the first year and a free second card.

Limited time offer. Certain conditions apply*.

 

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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 Travel6
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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 using the credit from your account

 

Ready to create an account or sign in?

Redeem my rewards

Looking for a card for your personal expenses?

Illustration of two credit cards and a tag that says 20,000 points

Check our credit card promotions

  • Welcome offer
  • Travel insurance
  • Purchase protection
  • And much more!

Discover our cards for individuals

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Your card payments can be automatically withdrawn from your National Bank or other account so you can avoid late payment fees if you apply to pre-authorized debit.

Need a bank account for your business? Open your first bank account, choose a qualifying business package and receive $350 cashback.
 

Discover our offer

Limited time offer. Certain transactions are required.

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Little details that matter

*Promotion valid from February 14, 2022 to August 31, 2022 for National Bank Platinum®, World Elite® and Platinum Business Mastercard® credit cards. To take advantage of this offer, you must sign up for an eligible National Bank credit card by August 31, 2022. Credit card issued subject to credit approval by National Bank. Certain conditions apply.

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 added to the account. To receive the annual fee refund for the first authorized user, you must add them on the account opening application. Annual fees will appear as a charge and credit on the 4th statement, at the latest, after your account is opened.

The annual fees after the first year:

  Primary holder
Authorized users
Business Platinum
$125 $50

 

The primary cardholder is responsible for all charges to the account, including those incurred by authorized users. 

Bonus rewards points: 

The 20,000 rewards points applied under this promotion will be credited to the credit card account in a single payment no later than the 5th statement following the account opening: 

Platinum or World Elite Mastercard: you'll get 20,000 rewards points if $3,000 or more in net purchases are charged to the credit card account within the first three months following enrollment. 

Platinum Business Mastercard: you'll get 20,000 rewards points if $5,000 or more in net purchases are charged to the credit card account within the first three months following enrollment. 

The account must be in good standing at the time the annual fees are refunded and bonus rewards points are applied. 

The net purchases charged to your card are calculated over a period of three months, starting at account opening. For example, if the account is opened March 15, 2022, the account holder will have until June 15, 2022 to charge the required amount of purchases to the account and obtain the bonus rewards points. 
Net purchases refer to the amount in purchases charged to the account less returns and refunds. Annual fees, balance transfers, cash advances (including transactions that can be converted directly to cash, such as money orders, traveller's cheques and gambling transactions), interest charges and any other fees and adjustments are not considered purchases and are therefore not included in the calculation. 

Eligibility and terms and conditions

This promotion is intended for individuals who do not have a National Bank Mastercard credit card and have not held a National Bank credit card within the last 24 months. There is a limit of 20,000 rewards points per eligible credit card account during the promotional period, regardless of the number of credit cards associated with the account. It cannot be combined with any other National Bank 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, without prior notice, at any time

  • 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.

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

TM 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

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.

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 insurance4

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