Mastercard credit card promotions
Take advantage of our current Mastercard credit card promotions and enjoy a wide range of benefits
Earn up to 25,000 rewards points
Get up to 25,000 rewards points after enrollment and save on annual fees on your main card and an additional card for the first year.*
*Offer valid until February 2, 2026.
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Annual fee for the cardholder for the first year 3
Reimbursed the first year, $70/year thereafter.
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Annual fee for the authorized cardholder for the first year 3
Reimbursed the first year, $35/year thereafter.
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Purchase rate 3
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Balance transfers and cash advances 3-4
No minimum annual income is required.
Subject to credit
approval by National Bank of Canada.
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Our low-interest rate credit card
Subject to credit approval.
Get up to $105 cashback
Save on annual fees and get $70 cashback one year after enrollment when you sign up for the Syncro Mastercard credit card.
*This promotion for new National Bank cardholders and is valid until March 3, 2026. Minimum purchases required. Conditions apply.
**Current interest rate (purchases) 4% + (base rate 8). Minimum rate of 8.90%
9
***Interest
rate (balance transfers and cash advances) 8% + (base rate 8). Minimum rate of
12.90% 9
Get a quick response to your application
Apply online and from the comfort of your own home. Get an answer in minutes.
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Little details that matter
Length of the welcome promotion
From December 2, 2025, to February 2, 2026.
Eligibility conditions
- Sign up for a National Bank® Platinum Mastercard® credit card during the promotion as a primary cardholder.
- Have not held a personal National Bank Mastercard credit card as a primary cardholder 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.
Description of the promotion
Up to 25,000 rewards points upon enrollment and the annual fees refunded for the first year for the primary cardholder and the first additional authorized 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 and in good standing. 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 other authorized users’ cards are not eligible for this promotion.
Rewards points
| Points offered | Conditions |
When points are awarded to the account |
|---|---|---|
| 10,000 |
Enrollment in payment insurance* for at least the first three months |
In the two months following the minimum enrollment period for payment insurance** |
| 5,000 | $2,500 in purchases in the first three months** | By the end of the 6th month after enrollment** |
| 10,000 |
$10,000 in purchases in the first 12 months** |
By the end of the 15th month after enrollment** |
*To apply for enrollment in payment insurance, you must complete the sections to apply for the Credit Card Payment Protection Plan (CCPPP) included on the credit card application form.
** The purchase calculation period starts on the date you sign up for the card. For example, if you sign up for the card on December 15, you have until February 15 to make the required purchases to receive the points which will be credited to your account by the end of June 2026.
How total purchases are calculated
The calculation is for the total amount of purchases made through all cards linked to the account. The transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards Plan™.
Other conditions
- You can only take advantage of the promotion once.
- Issuance of the card is subject to credit approval by National Bank of Canada. Other conditions apply to the issue of the card.
- This promotion may not be combined with any other promotion or offer applicable to National Bank credit cards, nor is it retroactive.
- This promotion may be modified or withdrawn without notice.
Length of the welcome promotion
From October 1, 2025, to March 3, 2026
Eligibility conditions
- Sign up for a National Bank® Syncro™ Mastercard® credit card during the promotion as a primary cardholder.
- Not have held one of our Mastercard credit cards for personal banking from National Bank over the past 12 months as a primary cardholder.
- Keep the credit card account open until the annual fees are refunded, and the bonus is awarded.
- Keep the account in good standing by complying with the conditions set out in the credit card agreement, until the annual fees are refunded and the bonus is awarded. For example, all minimum payments must be made on time.
- Not be employed by National Bank or one of its subsidiaries.
Description of the promotion
The annual fees will be refunded for the first year for the primary cardholder, and a $70 cashback bonus will be credited to the account if $5,000 in net purchases are made within the first 12 months of card membership.
Annual fees
Refund of annual fees in the first year for the primary cardholder.
These annual fees will be charged to your new card account, and we will refund these fees. You will receive this refund within three months of account opening, provided your account is still open and in good standing. It will appear on your statement as a credit.
Bonus payment
You may receive $70 as a cashback bonus to your account if a minimum of $5,000 in net purchases is charged to the credit card account within the first 12 months of account opening.
You will receive this cashback bonus within fifteen months of account opening, provided your account is still open and in good standing. It will appear on your statement as a credit.
The net purchases calculation period begins on the card membership date. For example, if you sign up for the card on November 25, 2025, you have until November 25, 2026, to complete the required $5,000 in net purchases to qualify for the $70 cashback bonus, and it will be credited to your account by the end of February 2027.
How purchases are calculated
The total of purchases made with all cards linked to the account is considered.
The following transactions are not counted toward the total purchases: cash advances; balance transfers; Mastercard checks; interest; non-interest fees (such as annual fees, currency conversion fees, and insurance premiums); purchase returns
Other conditions
- You can only benefit from the promotion once.
- The card is subject to National Bank's credit approval. Other conditions apply to the issuance of the card.
- This promotion cannot be combined with another promotion applicable to National Bank's credit cards and is not retroactive.
- This promotion may be changed or withdrawn without notice.
® Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.
™National Bank Lounge is a trademark of National Bank of Canada.
*Platinum Mastercard®
National Bank of
Canada® Platinum Mastercard® credit card was
named the best credit card for young professionals by Milesopedia in 2025. Each year, Milesopedia
examines the credit card offers of the largest financial institutions
and establishes its ranking according to more than 150 criteria such
as fees, welcome offers, minimum income required, number of points per
category, account credits, insurance, airport lounge access, etc.
1. Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points.
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 |
| 13.2% | $5.53 | $31.16 |
| 9.2% | $3.78 |
$22.68 |
*Variable interest rate in effect on September 1, 2021
3. Balance transfers and cash advances are subject to credit approval by National Bank. Each amount transferred cannot be less than $250.