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Syncro Mastercard
Our low interest rate credit card
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Benefits of the ${p1.nomProduit}
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
Protect your new purchases from theft or damage for up to 90 days after the date of purchase.5
Extended warranty
Get up to double the manufacturer's warranty for most items purchased using your credit card.5
Secure online purchases
Mastercard® ID CheckTM is a service that protects you against fraud by verifying your identity when making online purchases.
Fraud protection
Benefit from Mastercard's Zero Liability policy6—you won't be liable for unauthorized transactions completed with your card.
Urban experiences
Enjoy unique experiences with Priceless Cities®. Get room upgrades, exclusive menus and many other surprises.
Good to know
Did you know that several features are available to help you manage your credit card? These free services are accessible from your online bank and National Bank app. Easily carry out your transactions wherever, whenever. Learn more.
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
Annual fee and interest rate
Annual fee3 |
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Annual fee for additional card |
$0 |
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: ${p1.productPricing.TX_TRF.productPricingValue|percent:"true"} (min.) |
Minimum credit limit1
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Insurance
Summary and insurance certificate |
Consult the${p1.guideDistr|link:"Summary":"":"_blank" }[PDF] and the${p1.certif|link:"Insurance Certificate":"":"_blank" }[PDF] |
Zero Liability6 |
Included |
Purchase protection against theft or damage5 |
${p1.assuranceAchats} days following the purchase date |
Extended warranty5 |
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Important phone numbers
Customer service (24/7) |
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Insurance claim |
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Lost or stolen card |
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Chargeback |
Credit card Agreement
To learn more about the terms applicable to your card, read the${p1.urlConvention.en | link:"Credit card Agreement":"":"_blank"}[PDF].
Confidentiality Policies
To learn about how we protect your information, consult our Confidentiality Policies.
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 2022 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.
TM SYNCRO is a trademark of National Bank of Canada.
® 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 $ | |
| 22,49 % | 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
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 mastercard.ca 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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