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Syncro Mastercard

Our low interest rate credit card

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Annual fee

4% + (prime rate1)

or min. of 8.90%2

Current interest rate (purchases)

8% + (prime rate1)

or min. of 12.90%2

Current interest rate
(balance transfers and cash advances)3-4

For a limited time:

Enroll, receive, receive.

Get up to $120 cashback in the first year, on top of your eligible credit card's benefits.

Offer valid for new cardholders. Minimum monthly purchase required.

Learn more

Benefits of the ${p1.nomProduit}

Contactless payments

Contactless payments

Spend less time at checkout with Tap & Go® technology! Just tap your card on the reader and you're on your way.

Purchase protection

Purchase protection

Protect your new purchases from loss, theft or damage for up to 90 days after the date of purchase.5

Extended warranty

Extended warranty

Get up to double the manufacturer's warranty for most items purchased using your credit card.5

Secure online purchases

Secure online purchases

Mastercard® ID CheckTM is a service that protects you against fraud by verifying your identity when making online purchases.

Fraud protection

Fraud protection

Benefit from Mastercard's Zero Liability policy6—you won't be liable for unauthorized transactions completed with your card.

Urban experiences

Urban experiences

Enjoy unique experiences with Priceless Cities®. Get room upgrades, exclusive menus and many other surprises.

Not sure yet?

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Ready to apply for our low interest rate credit card? Completing an application takes just a few minutes.

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Little details that matter

Eligibility criteria





Annual fee and interest rate

Annual fee3


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 rate3‑4

Prime rate + 8%

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

Minimum credit limit1


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Distribution guide and insurance certificate

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Zero Liability6


Purchase protection against theft or damage5

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Extended warranty5


Important phone numbers

Customer service (24/7)

Insurance claim

Lost or stolen card

Cardholder Agreement

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

Confidentiality Policies

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

Legal Disclaimers



Credit card is issued subject to credit approval by National Bank of Canada. Terms and conditions apply.
Offer valid until February 29, 2020.
Over a 12-month period, get cash back for each (calendar) month you charge a minimum amount in net purchases to an eligible credit card account. The cashback will be credited to the account no later than the 15th of the following month.

$10 cashback per month
Get $10 cashback for each month you charge at least $200 in net purchases to your card (from the 1st to the last day of the month), with a maximum annual rebate of $120.

Net purchases correspond to the amount in purchases charged to the account minus returns and refunds. Annual fees, balance transfers and cash advances are not included in the calculation.

The total amount of monthly net purchases is calculated from the first day of the month after the account has been opened. For example, an account that was opened on September 15 will have its net purchases calculated on October 1 and the first cashback will be made no later than November 15.

The account must be in good standing for the cashback to be awarded.
This promotion applies to all persons and businesses who do not hold and have never held a National Bank credit card in the past 24 months. It cannot be combined with any other offer or promotion related to new National Bank credit cards. National Bank employees and entities of its group are not eligible to this offer. Upgrades and additional cards are excluded from the offer. National Bank reserves the right to modify, extend, or withdraw this promotion at any time without notice.

® SYNCRO is a registered trademark of National Bank.

® Mastercard an Tap & Go are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.

TM ID Check and Identity Check are trademarks of Mastercard International Inc. Authorized user: National Bank.

® Priceless cities is a registered trademark of Mastercard International Incorporated. Authorized user: National Bank.


1. 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.

2. 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.

3. 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:

Taux d’intérêt annuel Solde moyen
  500 $ 3 000 $
22,99 % 9,45 $ 56,69 $
20,99 % 8,63 $ 51,76 $
14,5 % 5,96 $ 35,75 $
8,9 % 3,66 $ 21,95 $

*Variable interest rate in effect on July 1, 2019.

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

5. 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.

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

7. Subject to credit approval by National Bank.

Ready to apply for the SyncroTM Mastercard®?

Completing an application takes just a few minutes.

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