Understanding credit reports if you’re moving to Canada
Credit cards documentation
Learn about all privileges and terms
Little details that matter
Below you will find the documentation related to your credit card to better understand the features of your card, including insurance coverage, fees and applicable terms.
The following credit cards are only available to current cardholders. They are no longer offered to new clients.
Regular card
- To explore the advantages of your card and find all the phone numbers, read the Cardholder’s Guide [PDF].
- For details on your insurance coverage, read the${p1.guideDistr.en | link:"Distribution Guide":"":"_blank"}|${p1.certif.en | link:"Insurance Certificate":"":"_blank"}[PDF].
- To learn more about the terms applicable to your card, read the${p1.urlConvention.en | link:"Cardholder Agreement":"":"_blank"}[PDF].
- To learn about how we protect your information, consult our Confidentiality Policies.
Escapade card
- To explore the advantages of your card and find all the phone numbers, read the Cardholder’s Guide [PDF].
- To get the most out of your rewards program, consult the Rewards Plan Applicable Rules.
- For details on your insurance coverage, read the${p1.guideDistr.en | link:"Distribution Guide":"":"_blank"}|${p1.certif.en | link:"Insurance Certificate":"":"_blank"}[PDF].
- To learn more about the terms applicable to your card, read the${p1.urlConvention.en | link:"Cardholder Agreement":"":"_blank"}[PDF].
- To learn about how we protect your information, consult our Confidentiality Policies.
OVATION Gold card
- To explore the advantages of your card and find all the phone numbers, read the Cardholder’s Guide [PDF].
- To get the most out of your rewards program, consult the Rewards Plan Applicable Rules.
- For details on your insurance coverage, read the${p1.guideDistr | link:"Distribution Guide":"":"_blank"}|${p1.certif | link:"Insurance Certificate":"":"_blank"} [PDF].
- To learn more about the terms applicable to your card, read the${p1.urlConvention.en | link:"Cardholder Agreement":"":"_blank"}[PDF].
- To learn about how we protect your information, consult our Confidentiality Policies.
CAA Rewards card (Bridgewater Bank cards converted in 2016)
- To learn how to earn a maximum of CAA Dollars3 and find all the phone numbers, read the Cardholder’s Guide [PDF].
- For complete details of your rewards program, consult the Rewards Plan Applicable Rules [PDF].
- For details on your insurance coverage, read the Distribution Guide | Insurance Certificate [PDF]
- To learn more about the terms applicable to your card, read the${p1.urlConvention.en | link:"Cardholder Agreement":"":"_blank"}[PDF].
- To learn about how we protect your information, consult our Confidentiality Policies.
Consult${p1.urlConvention.en | link:"the Agreement":"":"_blank"}Governing the Use of the National Bank Mastercard Credit Card [PDF]
®The registered trademarks of CAA and the CAA logo are the property of the Canadian Automobile Association, which authorizes their use.
®Mastercard, is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank
1. Subject to credit approval by 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. The minimum payment to be made to the Bank every period will be equal to 2.5% of the account balance plus any overdue amount or $10, whichever is higher (or the account balance if it is lower than $10). If the credit limit is exceeded, the minimum payment required will be 2.5% of the account balance or the amount in excess of the credit limit, whichever is higher. Account statement: A statement is sent monthly.
Examples of credit charges
Annual interest rate |
Average balance |
|
|---|---|---|
$500 |
$3,000 |
|
22.99% |
$9.45 |
$56.69 |
19.99% |
$8.22 |
$49.29 |
14.5% |
$5.96 |
$35.75 |
8.9% |
$3.66 |
$21.95 |
*Variable interest rate in effect on July 1, 2019
3. You earn CAA Dollars equal to 1% of eligible purchases made using your CAA Rewards Mastercard credit card. Each $100 expense made with your credit card entitles you to 1 CAA Dollar. At the end of each month, your CAA Club will receive information on the accumulated CAA Dollars from National Bank. Your CAA Club is responsible for the issuance, administration and redemption of CAA Dollars in accordance with the terms and conditions of the program. CAA Dollars are not earned on cash advances, balance transfers, cash-like transactions, Mastercard cheques, payments, credits, interest charges, foreign exchange fees, credit insurance premiums and other fees and charges. CAA Dollars are not earned on any purchases prohibited by the laws of Canada or any other country. You will qualify to earn CAA Dollars as soon as your card is activated and purchases are made, unless your account is not in good standing, has been suspended or terminated, or other qualifications for eligibility are not met.
Additional 1%: Add the equivalent of 1% cashback in CAA Dollars on eligible purchases made with your credit card. Expenses must be made in participating stores, boutiques and CAA travel centres, using an eligible Mastercard code. Visit your CAA club’s website for the list of participants. Mastercard codes are subject to change.
Quick tip
Travelling? Set up a travel notification through the online bank or our mobile app to ensure you can use your credit card wherever you go.
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!
