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Syncro Mastercard

Our low interest rate credit card

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Annual fee


Current interest rate 11.20%

4% + (prime rate1)

Minimum rate of 8.9%


Balance transfers and cash advances3-4

Current interest rate 15.20%

8% + (prime rate1)

Minimum rate of 12.9%2


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 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.

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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.

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%

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Minimum credit limit1


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Summary 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


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.

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 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 for more information. Refer to the credit card terms and conditions.

7. Subject to credit approval by National Bank.

8. You'll receive an answer confirming whether you've been approved or declined. Note that if your request is being processed, we'll prompt you for additional information. 

Ready to apply for the SyncroTM Mastercard®?

Completing an application takes just a few minutes.

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