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syncro-card-300x190.png

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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

Order and you’ll receive

Until August 31, sign up for an eligible credit card to receive up to $300 cashback.

Offer for new cardholders. Minimum 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.

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Good to know

Did you know that several features are available to help you manage your credit card. These services are available in 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

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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

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Extended warranty5

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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

PROMOTION

Offer valid from June 1 to August 31, 2020. Credit card is issued subject to credit approval by National Bank of Canada. Conditions apply.

$100 cashback
Get this cashback if you charge at least $2,500 in net purchases to your account.
The eligible cards are: MC1, Allure®, mycreditTM, SyncroTM and ECHO®.

$300 cashback
Get this cashback if you charge at least $6,500 in net purchases to your account.
The eligible cards are Platinum, World®, World Elite® and Platinum Business.
The account must be in good standing for the cashback to be awarded.


To take advantage of one of those offers, you must sign up for an eligible National Bank Mastercard credit card before August 31, 2020, and activate it no later than September 15, 2020.

The CAA Advantage card is excluded from this offer.

Employees of National Bank and its subsidiaries and entities are not eligible for the offer. National Bank reserves the right to end this promotion at any time without notice.

Over a 4-month period, you'll get a cashback if you charge a minimum amount in net purchases to an eligible credit card account. The cashback will be credited to your account no later than the 30 days after the end of the Offer Period.

As part of these promotions, net purchases refer to the amount in purchases charged to the account less returns and refunds. Annual fees, balance transfers, cash advances, interest charges and any other fees and adjustments are not included in the calculation. The net purchases charged to your card are calculated starting the first day of the month following the account opening. The account must be in good standing for the cashback to be awarded. 

The offer begins and the net purchases charged to your card are calculated starting the month following the account opening (for example, if the account is opened on June 15, purchases will be calculated starting July 1 and the cashback will be awarded by November 15). Net purchases between the first and the last calendar day of the month are calculated.

This promotion is intended for individuals who do not have a National Bank Mastercard credit card and have not held a National Bank credit card within the last 24 months. 

® 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 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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