®NATBANK and the NATBANK logo are registered trademarks of National Bank of Canada.
®Mastercard, World Mastercard and World Elite are
registered trademarks, and the circles design is a trademark of
Mastercard International Incorporated. Natbank is an authorized
TM Mastercard Platinum Payback and the circles design are trademarks
of Mastercard International Incorporated. Natbank is an authorized
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
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