Mastercard credit card promotions
Browse our current Mastercard credit card promotions and enjoy even more benefits and rewards
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A credit card designed for you
Get up to 35,000 points
Apply for a National Bank® World Elite® Mastercard® credit card and you can get up to $1,052 in benefits and rewards, including 35,000 rewards points.*
*Promotion valid for new clients until June 29, 2026. Minimum purchases, insurance product, and a first chequing account with an eligible package are required. Conditions apply.
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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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Come see us or give us a call and we'll answer all your questions.
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1-888-622-2783
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Little details that matter
Length of the welcome promotion
From February 3 to June 29, 2026
Eligibility conditions
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Sign up for a National Bank® World Elite® Mastercard® credit card during the promotion period as the primary cardholder.
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Not have held any National Bank Mastercard credit card for individuals in the past 24 months as the primary cardholder.
-
Maintain the credit card account open and in good standing until the rewards points are paid. To be considered in good standing, you must comply with the conditions set out in the Credit Card Agreement, such as paying all fees and minimum payments on time.
-
Not be employed by us or by any entity within our group.
Description of the promotion
Rewards points
| Points offered | Conditions | When the points are credited to the account |
|---|---|---|
| Other products and services following enrollment |
||
| 10,000 |
Sign up for payment insurance* for at least the first 90 days. |
Within five months of the minimum period of enrollment. |
| Minimum purchases required |
||
| 5,000 |
$5,000 in net purchases in the first 90 days |
By the end of the 6th month after enrollment ** |
| 10,000 |
$20,000 in net purchases in the first 12 months |
By the end of the 15th month after enrollment** |
| Bonus current account offer Combine your credit card with the opening of a first current account within a maximum of 7 days following the signing of the credit card application form and meet the following conditions to obtain bonus rewards points: |
||
| 10,000 |
(i) Open a first current account with National Bank as the main holder, co-holder or sole holder, not having held one in the past two years as a main holder, co-holder or sole holder, and subscribe to one of the following packages:
(ii) Keep the current account with an eligible package open and in good standing for at least the first 180 days and until the points are credited to the credit card account. |
By the end of the 9th month following credit card enrollment |
*To apply for payment insurance, you must complete the Credit Card Payment Protection Plan (CCPP) section in 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 15 February
2026, you have until 15 May 2026 to make the required $5,000 in
purchases to obtain the 5,000 points offered, which will be credited
to your account by the end of August 2026.
How the total purchase amount is calculated
The calculation covers the total amount of purchases made with all cards linked to the account. Transactions not included in the calculation are listed in article 1.5 of the À la carte Rewards PlanTM.
Other conditions
You may only benefit from the promotion once.
The card is issued subject to credit approval by the National Bank. Other conditions apply to the issue of the card.
You must keep your National Bank current account in good standing for at least 180 days from the date the new current account is opened and until the points are credited to the credit card account. For the purposes of this promotion, the current account is not in good standing if:
-
It is overdrawn, meaning it has an unauthorized negative balance.
-
It has been used inappropriately, unauthorizedly, illegally, or abusively, as described in article 8.7 of the Deposit Account Agreement of the National Bank.
This promotion may not be combined with any other promotion 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.
1. Exclusively available to World Elite Mastercard cardholders. Visitors must present their physical credit card and boarding pass to access the National Bank Lounge. The National Bank Lounge is only available to clients travelling to international destinations (excluding Canada and U.S. flights). You benefit from free and unlimited access with a guest and two children aged 12 or under. Guests cannot spend more than three (3) hours in the Lounge. National Bank clients who are not World Elite® Mastercard® cardholders can also access the lounge while enjoying a 25% discount on these rates:
- $63.24 taxes included for adults (excluding discount)
- $40.24 taxes included for children aged 2 to 12 (excluding discount)
- Free for children under 2 years old
The entrance fee is subject to change without notice and is the responsibility of the lounge operator.
2. Clients must submit required documents within the given deadline. Certain conditions may apply. 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 $150.
Eligible expenses include:
- Airport parking fees
- Baggage fees
- Seat selection fees
- Access to airport lounges worldwide
- Airline ticket upgrades
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 $150 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 contact us at 1-888-296-8881 (toll-free).
3. 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.
4. 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
5. Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.