À la carte Rewards Plan

Here’s what the rewards plan has to offer you.

Discover my rewards

You’re a winner on every point

The À la carte Rewards Program® lets  you earn points on all your purchases. You can use them towards travel discounts, financial products, gift cards, various items, and more. 

Father and son enjoying their time at the beach.

Travel with your points

Book your next vacation with À la carte Travel™, or obtain a refund for a previous stay with your points.

Discover the possibilities

Young woman doing some shopping

Treat yourself

Choose from a wide variety of products and incredible rewards.

Visit our store

A couple with their daughter playing with a piggybank

Make a credit card payment

Use your points to pay off your credit card directly from your online bank.

Discover how

Two gardeners having a conversation in a greenhouse

Do it for the planet

Use points to treat yourself to Coop Carbone CO2 offset units and eco-friendly rewards.

Shop for rewards

Do you have the right card to earn rewards?

Offer

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Annual fee 2

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Purchase rate

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

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${p1.urlPage | link:"Discover the World Elite"}
 

Picto carte récompenses

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Access to the National Bank Lounge*

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Refund for travel expenses ($250)*

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Travel insurance for up to 60 days*

Minimum agross annual income:  
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Offer

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Annual fee 2

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Purchase rate

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

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Access to the National Bank Lounge*

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Refund for travel expenses ($250)*

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Travel insurance for up to 60 days*

Minimum agross annual income:  
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Offer

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Annual fee 2

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Purchase rate

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

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

Picto carte récompenses

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Access to the National Bank Lounge*

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Refund for travel expenses ($250)*

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Travel insurance for up to 10 days*

No minimum income required. Subject to credit approval. 

WELCOME OFFER

Get 20,000 points, save on annual fees, and an additional card for the first year as part of our welcome gift to you.


Limited time only. Minimum purchase required. 

Illustration of three National Bank Mastercard credit cards and gifts representing 20,000 points

Fly away with À la carte Travel

Book your vacation package and airline tickets online with À la carte Travel Agency™.

Parents with their children running on a beautiful beach

Your points take you further

Love to travel? Choose a credit card with a rewards plan designed for your vacations.

Redeem your points to see the country and relax.

Mastercard credit cards World Elite®, Business Platinum World Mastercard® Platinum Mastercard Édition®, Escapade®, Ovation Gold®, Allure® Rewards
Additional points /$1 eligible purchase +1.5  +1.25 +1 +0.5

Redeem your points for discounts on your next vacation

Already booked your vacation? Use your points to reimburse travel expenses like plane or cruise tickets, car or cottage rentals, the purchase of travel packages or excursions, hotel rooms, and more.

Your points are worth more

Your points are worth more with À la carte Travel. Receive $100 in discounts for every 10,000 points you accumulate. Our best exchange-rates for travel rewards.

Enter the shop

Find a wide variety of products to choose from

Visit the online store and treat yourself to goods that will do you good.

As a cardholder, your points can be used to buy exciting products, gift cards and special packages. You'll also find products from local and environmentally responsible companies.

Visit our store

A smiling couple shopping

A distinguished customer experience

For the second year in a row, National Bank ranks #1 among credit card issuers for Customer Experience according to the 2021 Forrester CX IndexTM. Sign up for a credit card and take advantage of a number of features and free services. Learn more.

Rewards that pay off

Take advantage of your points the way you want. 

Invest the value of your points and make them grow. Use themto contribute to a variety of investment products including RRSPs and TFSAs.

Parents with their two kids smiling and playing with a piggybank.
Parents with their two kids smiling and playing with a piggybank.

Make a payment on your credit card

If you’ve accumulated at least 6,250 points, you can use your rewards points to pay your credit card balance, partially or in total.

Discover the possibilities

 

Parents avec leurs deux enfants, souriant, jouant avec une tirelire « cochon »

Make a payment on your credit card

If you’ve accumulated at least 6,250 points, you can use your rewards points to pay your credit card balance, partially or in total.

Discover the possibilities

 

Parents avec leurs deux enfants, souriant, jouant avec une tirelire « cochon »

Earn points for the planet

Receive rewards that are environmentally responsible.

Would you like to contribute to Quebec’s Green Fund? Your points allow you to offset the cost of your trip with Coop Carbone CO2 offset units, or to get your hands on more environmentally friendly products.

Shop for your rewards

A mother with her daughter in the garden

 

 

There are tons of different ways to benefit from your rewards. Choose your favourite. 

Discover all your rewards

Small details that matter

Legal disclaimers

TM CX Index and Forrester are trademarks of Forrester Research inc

National Bank of Canada received the highest CX Index™ score among credit card issuers in Canada in Forrester’s proprietary 2021 CX Index™ survey. The ranking was based on responses from 8,840 measuring 12 brands. The proprietary survey results are based on consumers’ opinions of the experiences with the brands in the survey. Forrester Research does not endorse any company included in any CX Index™ report and does not advise any person to select the products or services of any particular company based on the ratings included in such reports.

® À LA CARTE REWARDS PLAN AND À LA CARTE EXTRAS are registered 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

® ESCAPADE, OVATION AND ALLURE EDITIONS are registered trademarks of National Bank of Canada

™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.

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

®The registered trademarks of CAA, CAA logo, CAA Rewards and CAA Dollars trademarks owned by, and use is authorized by, the Canadian Automobile Association. 

™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. 

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.

Examples of credit charges

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

12.90%

$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, his/her 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 card holders. 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 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 to 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.

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. 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, your account has been suspended or terminated or other qualifications for eligibility are not met.

1% Cashback: You will earn CAA Dollars equivalent to 1% of eligible purchases made using your Credit Card. You will earn 1 CAA Dollar for every $100 of eligible purchases made with your Credit Card.

1% Additional Cashback: You will earn additional CAA Dollars cashback equivalent to 1% of eligible purchases made using your Credit Card. To be eligible, your purchases must be made through a participating merchant associated with an eligible Mastercard code at participating CAA stores and travel centres. Lists of these participating CAA stores and travel centres are available on CAA club websites. Mastercard codes are subject to change.

You cannot earn CAA Dollars on the following transactions that are made with your Credit Card, since they do not qualify as eligible purchases: cash advances, balance transfers, cash-like transactions, Mastercard cheques, payments and credits to the Credit Card account, interest charges, non-interest charges (e.g., annual fees, currency conversion fees and insurance premiums) and purchase returns.

17. 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 cashback accumulation table [PDF] and the applicable rules [PDF].

18. 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 client card or National Bank Mastercard. Service charges not included. Limit of two (2) tickets per client per show. This offer cannot be combined with any other offer or promotion.

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

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

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

22. 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].

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

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

25. 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

26. Mastercard Airport Experiences provided by LoungeKey (MCAE) is a worldwide program run by LoungeKey Ltd. Eligible Mastercard World or World Elite cardholders wishing to access a participating MCAE lounge must present their credit card or their mobile access code (this may be obtained by the eligible cardholder by registering an account at airport.mastercard.com or through the MCAE mobile application) to the lounge receptionist and reference “Mastercard Airport Experiences.” 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 MCAE membership.  

There are so many options to choose from!

Gift cards, products, travel packages, cruises…These are just a few of the rewards waiting for you.

Visit the store

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