Syncro Mastercard credit card

Our low interest rate credit card

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Photo of National Bank Syncro Mastercard credit card

Syncro® Mastercard® credit card at a glance  

Picto of a dollar sign in a circle

$35 annual fee 

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Purchase protection1

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Extended warranties on your purchases1

Annual fee

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Current interest rate (purchases)


4% + (prime rate 2)

Minimum rate of 8.9%3

Interest rate (balance transfers and cash advances)4


8% + (prime rate2)

Minimum rate of 12.9%3

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Secure online form

Jusqu’à 900 $ en rabais voyage ou jusqu’à 800 $ à investir dans un produit financier annuellement*

Benefits of the National Bank® SyncroTM Mastercard® credit card

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Simple admission terms

No minimum annual income required, unlike other credit cards5

Zero liability protection

No liability for unauthorized transactions6

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Purchase protection

Up to 90 days after purchase in case of theft or damage1

Adapted limit

Minimum credit limit of $500 which can be increased under certain conditions5

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Enhanced security 

Online purchases protected by Mastercard® ID CheckTM

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Quick and easy payments

Make contactless payments with Apple Pay® or Google Pay®

Enjoy an interest-free period and other useful features 

21-day grace period to give you peace of mind

Enjoy a 21-day grace period.7 That means no interest is charged on purchases made during the month if you pay the full amount on your account within 21 days of the statement date.

Different features to make life easier 

  • Double the manufacturer's warranty1 for up to an additional year.*
  • Protect your account with the ability to block, unblock, or replace your credit card.  
  • Receive balance alerts, activate travel alerts, and schedule pre-authorized payments with no annual fee.

* Maximum coverage of $60,000 for the entire term of the account

Get a quick response to your application

Apply online from the comfort of your home and get an answer in minutes.8

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Not the right credit card for you?

The ECHO® Cashback Mastercard® credit card could be right for you:

  • Get up to 1.5% cashback on your everyday purchases9
  • Up to 90 days of theft or damage purchase insurance1
  • Double the manufacturer's warranty,1 up to an additional year longer*

* Maximum coverage of $60,000 for the entire term of the account

We’re here for you

Drawing of a credit card

Want to apply for the Syncro Mastercard credit card?

Apply online. It’s quick and easy.

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Need personalized advice?

Our advisors are here to answer all of your questions

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Need additional assistance?

Find all the answers to your questions in our Help centre.

Little details that matter





Annual fee 3


Annual fee for additional card


Purchase rate

Prime rate + 4%

Current rate:  ${p1.productPricing.TX_INT.productPricingValue|percent:"true"} (min.)

Balance transfer and cash advance rate 3‑4

Prime rate + 8%

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Minimum credit limit 1


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Summary and insurance certificate

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Zero Liability 6


Purchase protection against theft or damage 5

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Extended warranty 5


Customer service (24/7)

Insurance claim

Lost or stolen card


To learn more about the terms applicable to your card, read the${p1.urlConvention.en | link:"Credit card Agreement":"":"_blank"}[PDF].

There are two main elements of a joint credit card:

  • The primary cardholder’s name will be the one that appears on the credit card contract. This person can decide to add up to three authorized users to their account, as well as remove them at any time. They must meet all the eligibility criteria to apply for a credit card. 
  • An authorized user has their own card and PIN. However, all transactions made by that person are charged to the primary cardholder’s account. An authorized user could be a spouse, a child aged 16 or older, or a friend. The designated person doesn’t need to meet all of the eligibility criteria to access their card. 

Please remember that the primary cardholder is responsible for paying any outstanding balances and managing the account. This also means that they’re the ones who will receive any cashback generated by the account. If any disagreements or separations occur, the authorized users and primary cardholder must agree on how to proceed. 

The authorized user doesn’t receive a statement and doesn’t have access to transaction details and account information, including the credit card limit. However, both cardholders can enjoy the benefits of their card. They can also change their respective PINs, as well as cancel or replace their cards.

How do I get a joint credit card?

If you’re applying for a new credit card, answer “Yes” to the “Do you need an additional card” question in our application form.

If you’d like an additional card for an existing account, fill out our credit card application or call us at 1-888-622-2783. 

Please note that there’s an annual fee for an additional credit card. 

To learn about how we protect your information, consult our Confidentiality Policies.

TM SYNCRO is a trademark of National Bank of Canada.

® Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank

™ 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 and regions. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions. 

® Google Pay is a trademark of Google LLC and this content is not endorsed by or affiliated with Google in any way.

1. This coverage applies to purchases charged to the National Bank Syncro card. 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.

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

3. The interest rate for the SyncroTM credit 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 SyncroTM credit card will not be less than 8.9% for purchases and 12.9% for balance transfers and cash advances.

4. Balance transfers and cash advances are subject to credit approval by National Bank. Each balance transfer must be at least $250.

5. Subject to credit approval by National Bank.

6. Certain conditions apply. Visit for more information. Refer to the credit card terms and conditions.

7. 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
















*Variable interest rate in effect on September 1, 2021

8. You will receive a response confirming that your request has been approved, denied, or is in progress. Please note that if your request is in progress, we will ask you for additional information.