No annual fee Mastercard credit cards

Enjoy a range of benefits and free services

Young man at a bar smiling while holding a credit card

Compare our no annual fee Mastercard® credit cards

Simplify your daily life with a Mastercard® credit card with no annual fee. 

${p1.urlImg | image:"-webkit-fill-available":"auto" }

${p1.nomProduit}

Annual fee2

${p1.productPricing.AF_CRD.productPricingValue|amount:"true"}

Purchase rate

${p1.productPricing.TX_INT.productPricingValue|percent:"true"}

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

${p1.productPricing.TX_TRF.productPricingValue|percent:"true"}


${p1.urlBoiteLogin|link:"Apply now":"btn btnRTE3 modal-token index-p1"}
 

${p1.urlPage | link:"Discover the mycredit card"}

 

Picto carte récompenses

Up to 1% cashback22

Mobile protection4

Purchase protection4

Extended warranty4

No minimum income required. Subject to credit approval.

${p3.urlImg | image:"-webkit-fill-available":"auto" }

${p3.nomProduit}

Annual fee2

${p3.productPricing.AF_CRD.productPricingValue|amount:"true"}

Purchase rate

${p3.productPricing.TX_INT.productPricingValue|percent:"true"}

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

${p3.productPricing.TX_TRF.productPricingValue|percent:"true"}


${p3.urlBoiteLogin|link:"Apply now":"btn btnRTE3 modal-token index-p3"}
 

${p3.urlPage | link:"Discover the Allure card"}

 

Picto carte récompenses

${p3.nbPoints} for every $2 spent15

Help support the Quebec Breast Cancer Foundation with each purchase

Purchase protection4

Discount on the purchase of certain gift cards7

No minimum income required. Subject to credit approval.

${p2.urlImg | image:"-webkit-fill-available":"auto" }

${p2.nomProduit}

Annual fee2

${p2.productPricing.AF_CRD.productPricingValue|amount:"true"}

Purchase rate

${p2.productPricing.TX_INT.productPricingValue|percent:"true"}

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

${p2.productPricing.TX_TRF.productPricingValue|percent:"true"}


${p2.urlBoiteLogin|link:"Apply now":"btn btnRTE3 modal-token index-p2"}

${p2.urlPage | link:"Discover the MC1 card"}

 

Picto carte récompenses

A card for your daily purchases

Purchase protection4

Extended warranty4

Contactless payments

No minimum income required. Subject to credit approval.

The advantages of our no annual fee credit cards

All our cards offer a range of benefits to help simplify your life:

  • Benefit from a number of advantages with no annual fees
  • Extended manufacturer’s warranty on purchases 4
  • Purchase protection4 insurance (up to 90 days)
  • Contactless payments  with Apple Pay and Google Pay
  • Fraud protection5
  • Enhanced security with Mastercard®ID CheckTM

Convenient features that go wherever you go

Picto of a credit card with a lock

Lock, unlock or replace a credit card*

In case of loss, fraud or theft of your credit card, you can temporarily lock your card or replace it in your online bank.

Picto of a credit card with a notification bell

Receive notifications

Get peace of mind by enabling credit card email notifications in your online bank. You can be notified before your card balance is due and when a transaction exceeds the limit per transaction that you set.

Picto of a credit card with an arrow pointing up

Apply for a credit limit increase

Sign in to your online bank to request a credit limit increase. Once the request has been submitted, it will take 5 business days to process your request. You will be notified by email.

Find the right credit card for you

 Picto of a computer and mobile phone screen

 Your online bank

Sign in your online bank to carry out most of your daily transactions.
 

Picto of an encircled question mark

Need help?

Visit our help centre to find answers to your questions.
 

Picto of a credit card

Contact Mastercard

If you have any questions about the terms or advantages of your Mastercard, contact 
1-800-307-7309.

Little details that matter

The following legal disclaimers apply to all National Bank® Mastercard® credit cards. Find the number corresponding to the information you are looking for here. 

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. 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
 

3. Subject to credit approval by National Bank. Each balance transfer must be at least $250.

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. Donations made annually by National Bank representing a percentage of sales charged to the card over a period of 12 months by all Allure cardholders. The percentage of sales to be donated is at the sole discretion of National Bank, but the total amount of donations paid by National Bank will not exceed $500,000 per year. To find out more about the calculation period and applicable conditions, visit yourallure.nbc.ca.

7. The discount applies when you purchase gift cards for Allure partners on yourallure.nbc.ca. It will be applied to the total gift card amount. Cards must be purchased in multiples of $25. No discounts will be granted in store upon presentation of an Allure card. Lost, stolen or damaged gift cards will not be replaced. Allure card partners may change. Gap, Old Navy and Banana Republic gift cards can be used at any Gap, Old Navy or Banana Republic store in North America. Gap, Old Navy and Banana Republic gift cards can be used to purchase in-store items only. If you have any questions concerning Gap, Old Navy or Banana Republic gift cards, call (respectively) 1‑800‑GAP‑STYLE, 1‑800‑OLD‑NAVY or 1‑888‑BR‑STYLE.

8. The prime rate means the annual variable interest rate posted by National Bank, from time to time, and used by the National Bank to determine the interest rates on the demand loans it grants in Canadian dollars in Canada.

9. The interest rate for the Syncro card consists of a variable prime rate set by National Bank plus a fixed adjustment rate of 4% for purchases and 8% for balance transfers and cash advances. Please note that the annual interest rate for the Syncro card will not be less than 8.9% for purchases and 12.9% for balance transfers and cash advances.

10. The net purchase volume is the amount of purchases charged to the account minus returned items or refunds. Annual fees, balance transfers and cash advances are not included in the calculation.

11. On condition that required supporting documents are provided in the manner and time frame prescribed. Some restrictions may apply.

12. Only the primary cardholder (Cardholder) of National Bank World Elite Mastercard whose account is in good standing can request a refund of travel expenses. An account in good standing refers to an account linked to a credit card which complies with the Agreement governing the use of the credit card and which is not subject to any restrictions. For example, the annual fees related to the credit card must have been paid in full. The maximum amount that can be submitted for reimbursement between January 1 and December 31 of each year is $250. Eligible expenses include: airport parking fees (maximum $100), baggage fees (maximum $100) and seat selection fees (maximum $50). The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. The travel fees must be charged to the National Bank World Elite Mastercard credit card. The maximum reimbursement amount is $250 per account. The refund will be issued within 7 business days following the request approval date and after receiving all required information. An amount not claimed in a year cannot be carried over to the following year. For more information or to obtain the refund form, sign in to rewards.nbc.ca, click the Refund of travel expenses tab and complete the form, you can also call 1‑888‑296‑8881 (toll-free) in Canada and the United States, or +1‑416‑734‑3922 (collect) from anywhere in the world.

13. Exclusively available to holders of the World Elite Mastercard. Visitors must present their credit card and boarding pass to access the National Bank Lounge. Further to a decision by Aéroports de Montréal, the National Bank Lounge will only be available to clients flying to destinations outside the U.S. and Canada, effective April 3, 2019. Guests cannot spend more than three (3) hours in the Lounge. For National Bank clients who do not have free Lounge access and for additional guests, admission is around $40 for adults and $25 for children, plus tax. Admission is free for children under three years old. The entry price may change at any time without notice and at the discretion of the Lounge operator.

14. Certain restrictions apply. Please consult the rules governing reward points under Rewards plan. Please consult the rules governing the accumulation of points specified in the À la carte® Rewards Plan section.

15. The cashback is based on a point accumulation system. For every $2 you spend using your Allure or Edition Mastercard credit card, you will receive 1 point, provided your account is in good standing. Once a year, in January, you will receive a $10 cashback for every 1,000 points earned. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). For details, see the Terms and conditions [PDF].

16. All eligible purchases qualify for 1% cashback when your account is in good standing. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). An additional cashback of 0.5% is granted on the first $25,000 of eligible gas, grocery and online purchases charged annually to your credit card account. The additional cashback of 0.5% does not apply when the total of your annual eligible purchases exceeds $25,000. After that, the cashback equals 1% of eligible purchases, regardless of the type of purchase. For conditions and restrictions that apply to cashback rewards and a full list of codes associated with eligible merchants, refer to the National Bank Echo Cashback Mastercard [PDF] and the Applicable Rules [PDF].

17. The 20% discount applies to regular ticket prices for shows at Théâtre Banque Nationale, taxes included. Call 418‑698‑4080 or visit a participating point of sale to take advantage of this offer. Just present your National Bank debit card or National Bank Mastercard credit card. Service charges not included. Limit of two (2) tickets per client per show. This offer cannot be combined with any other offer or promotion.

18. Cards included: Syncro, MC1, Allure and Platinum.

19. Subject to the mobile device’s purchase with the card or mobile plan settled by recurring pre-authorized payments from your mycredit account.

20. Subject to the Agreement governing the use of the Mastercard credit card issued by National Bank.

21. Subject to credit approval by National Bank of Canada.  The cashback granted is 1% on restaurant purchases and on recurring pre-authorized payments when you use recurring automatic transfers with your mycredit account. The cashback of 0.5% applies to all other eligible purchases during a billing cycle. The account must be in good standing when the cashback is awarded. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). These eligible automatic transfers are defined as regular payments that are automatically withdrawn by a merchant on your credit card. Balance transfers, cash advances and fees resulting from the use of the card are excluded from the cashback calculation. For conditions and restrictions that apply to cashback rewards, refer to the Cashback Program [PDF].

22. Terms and conditions apply. Boingo services provided by Boingo Wireless, Inc. See mastercard.boingo.com for full details.

23. Mastercard Travel Rewards is provided by Mastercard. Details at www.traveloffers.mastercard.com. Offers may be subject to change without notice.

24. Mastercard Digital Everyday Offers is provided by Mastercard. Offers are subject to terms and conditions and may be subject to change without notice. Details at www.mastercard.ca/worldelite.

25. Mastercard ® Travel Pass provided by DragonPass is a worldwide program run by DragonPass International Limited. Eligible Mastercard World or World Elite cardholders wishing to access a participating Mastercard ® Travel Pass lounge must present the mobile app (this may be obtained by the eligible cardholder by registering an account at https://mastercardtravelpass.dragonpass.com/) to the lounge receptionist. Access to participating Airport Lounges is at the cost of $32 US/person (subject to change), per visit, and lounge access charges will be billed to the credit card connected to cardholder’s Mastercard ® Travel Pass membership.

 

®ALLURE and ECHO are registered trademarks of National Bank of Canada.

 

™MYCREDIT and SYNCRO are 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. Authorized user: National Bank

Consult the Cashback program mycreditTM credit card applicable rules [PDF].

This content is for investment advisors only. For customer content, please visit nbc.ca.

 

®ECHO, ALLURE and À LA CARTE REWARDS PLAN are registered trademarks of National Bank.

 

™MYCREDIT is a trademark of National Bank.

 

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

 

™À LA CARTE TRAVEL is a trademark of National Bank of Canada. À la carte Travel is owned by Transat Distribution Canada Inc., holder of permit No. 753141 in Quebec.

 

™ID Check and Identity Check are trademarks of Mastercard International Inc. Authorized user: National Bank.

 

® 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.