®NATBANK and the NATBANK logo are registered trademarks of National Bank of Canada.
®Mastercard and World Elite for Business and World Elite Plus Business are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Natbank is an authorized user.
TM Mastercard Platinum Payback, World Elite Plus for Business and the circles design are trademarks of Mastercard International Incorporated. Natbank is an authorized user.
All the credit cards presented on this page are offered in partnership with Card Assets. Credit cards are issued subject to credit approval by Card Assets, a division of FAB&T.
Cardholders should read the Benefits Guide for a detailed and up-to-date description of their benefits, terms and conditions. Benefits are subject to change.
1. Subject to credit approval from Card Assets. Applicants should rerefer to the Card Assets web page featuring all available credit cards for complete terms and conditions. Other transaction fees may apply such as Balance transfer fee ($10 or 4%, whichever is greater), Cash advance fee ($10 or 5%, whichever is greater), Late fee up to $35, and return check charge of $25 per item.
2. Rewards or points can only be earned or redeemed if you are currently enrolled in the Everywhere Rewards program and your account is open and in good standing. Cardholders will earn one point per net dollar purchase made with their applicable credit card, exclusive of cash advances, traveler’s check purchases, balance transfers and access (convenience) checks. Points do not accumulate for fees of any kind, such as late payment fees, annual fees, unauthorized charges and ATM transactions. Credits and returns do not earn points. Any credits to your account will reduce the number of points available for rewards selections by the dollar amount of the credit. Points can be redeemed for a variety of rewards found on www.24-7cardaccess.com. Redemption will be for no more than the amount designated in the reward schedule, including taxes and destination charges. Points will expire three (3) years from the date of issuance. See Card Assets web page featuring all available credit cards for complete terms and conditions, for other conditions and restrictions that may apply to rewards.
3. APR will vary with the market based on the Prime Rate. Rates are as of October 31, 2021 and are subject to change. The Prime Rate is the highest FI prime loan rate as published by the Wall Street Journal in its Money Rates Section on the 14th day (or the next business day if the 14th is not a business day) of the calendar month preceding the first day of the billing period. If the Periodic Rate(s) and corresponding Annual Percentage Rate(s) increase, your interest charges will increase and your minimum payment may be greater.
4. Grace period: At least 25 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 is the greater of (1) all accrued and unpaid interest charges, plus all accrued and unpaid fees, plus all past due amounts, plus any amounts by which your account balance exceeds a credit limit, plus 1% of the remaining new balance of your account, or (2) $25 (or the entire new balance, if less than $25), or (3) 5% of the balance (rounded to the next highest dollar amount). The minimum charge for interest will be no less than $1 or such minimum determined by the State in which you are a resident at the time of application unless your account is also subject to a late payment fee. If your new balance is lower than $25, you must pay the entire balance. An account statement is sent for each monthly billing cycle (i) in which the balance of your account (including unpaid Balance Transfers, Purchases, Cash Advances, lnterest, and fees) on the last day of that cycle is more than $1, (ii) in which we impose Interest, (iii) in which we impose a fee, (iv) in which there is any other activity on your account, or (v) as otherwise required by applicable law.
Examples of credit charges calculated over a period of 30 days
*Variable interest rates in effect on October 31, 2021 and are subject to change.
5. Unless we inform you otherwise, your Cash Advance credit limit will be up to 25% of your total credit limit.
6. Our Mastercard credit cards include the free Mastercard Receipt Management tool, as well as discounts from a wide range of suppliers with Mastercard Easy Savings®. You can also get discounts on other products and services intended to optimize your company’s efficiency, such as Intuit® QuickBooks Online & Payroll, Intuit® TurboTax and Salesforce Essentials. For more information, consult the PDF document detailing what's included with our cards.
