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 TravelTM, 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?

${p1.urlImg | image:"80%":"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 World Elite"}
 

Picto carte récompenses

${p1.nbPoints} per dollar spent 1

${p1.accesSalon | booleanCheck}

Access to the National Bank Lounge6

${p1.fraisVoyage | booleanCheck}

Refund for travel expenses ($150)5

${p1.assuranceVoyage | booleanCheck}

Travel insurance for up to 60 days4

Minimum agross annual income:  
${p1.revenuAnnuel}

${p2.urlImg | image:"80%":"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 World"}
 

Picto carte récompenses

${p2.nbPoints} per dollar spent 1

${p2.accesSalon | booleanCheck}

Access to the National Bank Lounge6

${p2.fraisVoyage | booleanCheck}

Refund for travel expenses ($150)5

${p2.assuranceVoyage | booleanCheck}

Travel insurance for up to 60 days4

Minimum agross annual income:  
${p2.revenuAnnuel}

${p3.urlImg | image:"80%":"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 Platinum"}
 

Picto carte récompenses

${p3.nbPoints} per dollar spent 1

${p3.accesSalon | booleanCheck}

Access to the National Bank Lounge6

${p3.fraisVoyage | booleanCheck}

Refund for travel expenses ($150)5

${p3.assuranceVoyage | booleanCheck}

Travel insurance for up to 10 days4

No minimum income required. Subject to credit approval. 

Fly away with À la carte Travel

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

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 ® World Mastercard ® Platinum Mastercard ® Business Platinum Édition ®, Escapade ®, Ovation Gold ® , Allure ® Rewards
Points /$1 eligible purchase 2 pts 1.25 additional pt 1.5 pt 1.5 additional pt 0.5 additional pt

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.1

Your points are worth more

Your points are worth more with À la carte TravelTM 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

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.

®Mastercard, World Mastercard, World Elite and Platinum Mastercard 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 REWARDS PLAN is a registered trademark of 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.

1. Certain restrictions apply. Please consult the rules governing reward points in the Rewards plan.

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. 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). 

6. 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). 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 $37 for adults and $26 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.

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

Phone picto
Picto of a question mark in a circle