Current promotion

Mastercard credit cards

Take advantage of our World Elite Mastercard credit card promotion and get up to $1,352 in benefits and rewards for the first year. 

Discover the offer

*Promotion valid until March 31, 2025. Minimum purchases and insurance product are required. Conditions apply. 

Discover our most popular credit cards

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Up to 1% cashback15

  • Mobile protection14
  • Purchase protection5
  • Extended warranty 5

Annual fee2

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Purchase rate

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Interest rate (balance transfers and cash advances)2-3

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No minimum income required. Subject to credit approval.

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Promo: $70 cashback one year after enrollment*

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Low interest rates

  • Enjoy an interest-free grace period of 21 days17
  • Purchase protection and extended warranty on your purchases 5
  • Enhanced security

Annual fee2

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Purchase rate

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Interest rate (balance transfers and cash advances)2-3

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No minimum income required. Subject to credit approval.

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Up to 2 points per dollar spent1

  • Mobile device insurance16
  • Extended warranty on purchases4
  • Travel insurance for trips of 10 days or less  4

Annual fee2

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Purchase rate

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Interest rate (balance transfers and cash advances)2-3

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No minimum income required. Subject to credit approval.

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Promo: up to 40,000 points

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Up to 5 points per dollar spent1

  • Refund for travel expenses ($150)9
  • Access to the National Bank Lounge11
  • Travel insurance for up to 60 days  4

Annual fee2

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Purchase rate

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Interest rate (balance transfers and cash advances)2-3

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Minimum gross annual income:  ${p3.revenuAnnuel}. Subject to credit approval.

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Loyalty pays off

Earn points

Our generous À la carteTM Rewards Plan lets you decide how to benefit from it.

Learn more about the plan

Shop for your rewards

Take advantage of your points by purchasing exclusive products and exciting experiences.

Visit our store

Take full advantage of Mastercard benefits

More than just a credit card

Take full advantage of your Mastercard credit card and all that it has to offer. Extended warranty, purchase protection, Google PayTM, Apple PayTM, exclusive VIP experiences—there is something for everyone!

Explore the benefits

Manage your credit card online

Several features are available to help you manage your credit card? These free services are accessible from your online bank and National Bank app. Easily carry out your transactions wherever, whenever.
Explore features

Explore features

Getting the most out of your credit card


Protect your balance

Be prepared for unforeseen circumstances, such as job loss or disability, with credit card payment protection insurance.

Understanding payment protection insurance


Save on the annual fee

Opt for a banking package and you could benefit from a cashback when signing up for a credit card. See our packages The Connected TM and The Total TM to find out more.

Explore banking packages



Enjoy the benefits of our offer for professionals

Are you a healthcare professional, engineer or accountant? Explore our offers tailored to certain professionals.

See offers for professionals

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Little details that matter

Due to the labour disruption at Canada Post, certain mail delivery interruptions may occur. If you signed up for a promotional credit card after November 7, 2024, you will have an additional 30 days to make your minimum purchases and take advantage of the promotional rewards points. Note that this deadline may be extended depending on the impact on mail deliveries.

Length of the welcome promotion

From November 1st, 2024, to March 31st, 2025.

Eligibility conditions

  • Apply for a National Bank World Elite® Mastercard® credit card as the primary cardholder during the promotion period.

  • Have not held a personal National Bank Mastercard credit card during the past 24 months. 

  • Keep the credit card account open until the rewards points are paid.

  • Keep the account in good standing while complying with the conditions in the Credit Card Agreement, until the rewards points are paid. For example, all minimum payments must be made on time.

  • Not be employed by National Bank or an entity in its group.

Rewards points 

Points offered Terms and conditions When points are awarded to the account
5,000 Sign up for payment insurance* for at least the first 3 months.
Within five months of the minimum period of enrollment.
5,000
$5,000 in net purchases in the first 3 months.
By the end of the 6th month after enrollment.**
10,000
$10,000 in net purchases in the first 6 months.
By the end of the 9th month after enrollment.**
20,000
$15,000 in net purchases in the first 12 months.
By the end of the 15th month after enrollment.**

Length of the welcome promotion

From August 16 to October 31, 2024

Eligibility conditions

  • Sign up for a National Bank® Platinum Mastercard® credit card during the promotion as a primary cardholder.
  • Sign up via the redirection link provided on one of our partner's websites during the promotion. Must not have held one of our Mastercard credit cards for individuals from National Bank over the past 24 months as a primary cardholder.
    • Keep the credit card account open until rewards points are paid.
    • Keep the account in good standing while complying with the conditions in the Credit Card Agreement, until the rewards points are paid. For example, all minimum payments must be made on time.
    • Not be employed by National Bank or an entity in its group.

Description of the promotion

Up to 25,000 rewards points upon signing up and annual fee refunded in the first year for the primary cardholder and an additional 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 related to authorized users’ cards are not eligible for this promotion. 

Rewards points 

Points offered Conditions When points are awarded to the account
5,000 Sign up for credit card payment insurance for at least the first 3 months.*
Within five months of the minimum period of enrollment.**
5,000
$5,000 in purchases in the first 3 months.
At the end of the 6th month after enrollment.**
10,000
$10,000 in purchases in the first 6 months.
At the end of the 9th month after enrollment.**
20,000
$15,000 in purchases in the first 12 months.
At the end of the 15th month after enrollment.**

Guides de distribution | certificats d’assurance
  • Syncro® Mastercard credit card
  • Regular Mastercard credit card
  • MC1® Mastercard credit card
  • Allure® Mastercard credit card
  • Echo® Mastercard credit card
Consult the Purchase protection summary | Insurance certificate
  • mycreditTM and Edition® Cashback Mastercard credit cards
Consult the Consult the summary | Insurance certificate
  • Ovation Gold® Mastercard credit card
Consult the  Distribution guide | Insurance certificate
  • Platinum® Mastercard credit card, Edition® with rewards program, and Escapade® Mastercard credit cards
Consult the Purchase protection summary | Travel insurance summary | Insurance certificate
  • World® Mastercard credit card
Consult the Purchase protection summary | Travel insurance summary | Insurance certificate
  • World Elite® Mastercard credit card
Consult the Purchase protection summary | Travel insurance summary | Insurance certificate

® ALLURE, MYCREDIT, ECHO and À LA CARTE REWARDS PLAN, LE CONNECTÉ and NATIONAL BANK LOUNGE are registered trademarks of National Bank.

TM SYNCRO and LE TOTAL is a trademark of National Bank.

® Mastercard, MC1, Platinium Mastercard, World Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated

Consult the Agreement Governing the Use of the National Bank Mastercard Credit Card [PDF]

® Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions.

® Google Pay is a trademark of Google LLC. The use of this trademark is subject to Google Inc.’s authorization policy.

® Boingo, Boingo Wireless, Boingo Wi-Finder and the Boingo Wireless Logo are registered trademarks of Boingo Wireless, Inc.

1. Certain restrictions apply. Please refer to the rules for earning points specified in the Rewards Plan section of the credit card product page you are interested in. 

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

22.49%

$9.24

$55.45

20.99%

$8.63

$51.76

12.9%

$5.30

$31.81

8.9%

$3.66

$21.95

*Variable interest rate in effect on September 1, 2021