WELCOME OFFER
For those who love rewards
Get a credit card and take advantage of 20,000 points and no annual fees for the first year+
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PROMO
No annual fee for the
first year
$0
Annual fee of $115 after the first year
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Purchase rate
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Interest rate (balance transfers and cash advances)2-3
+Limited time offer. Minimum purchase of $3,000 over the first 3 months required. Certain conditions apply.*
Minimum gross annual income: $60,000 or $100,000 total household income.
Benefits of the ${p1.nomProduit.fr}
Comprehensive travel insurance
Enjoy up to 60 days' coverage with our travel, trip cancellation/interruption, baggage loss and car rental insurance.4
Travel agency
Get more for your points when you redeem them for travel rewards.
Call 1-800-561-3653 for information.
Extended warranty
Get up to triple the manufacturer's warranty for most items purchased using your credit card.4
Rewards that pay off
Pay your card balance, invest in a Financial product or pay your mortgage with your rewards points or our À la carte Extras program®.
Travel discounts
Redeem your points to pay for travel expenses, such as plane tickets, car rentals or vacation home rentals.
Dedicated online store
Redeem your points at our online store where we offer a wide range of rewards from top brands.
Are you eligible?
To be eligible, you must have an annual gross income of $60,000 or an annual household income of $100,000. Otherwise, you must have a minimum value of $250,000 in assets or $15,000 in yearly minimum purchases (existing clients only) on your card.
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Earn points
Our generous À la carteMD Rewards Plan lets you decide how to benefit from it.
Shop for your rewards
Take advantage of your points by purchasing exclusive products and exciting experiences.
How to take advantage of your rewards?
Apply for your card
Pay no annual fees for the first year and get a free second card. Read the conditions of this limited-time time offer.
To be eligible you need to:
- Have a gross individual income of least $60,000 (applicant), an annual household income of at least $100,000, at least $250,000 in assets or at least $15,000 purchases (existing clients only) on your card per year.
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Not sure yet? Compare cards
Earn points
By charging just $2,000 a month to your card, you can get up to 33,000 rewards points per year and earn more than $250 in rewards.
OFFER: Take advantage of this welcome offer and you could receive 20,000 points. Read the conditions of this limited-time offer.
Redeem your points
- Get merchandise and gift cards at our online store
- Buy vacation packages, plane tickets and travel essentials through À la carte TravelTM
- Enjoy exclusive travel discounts with À la carte RewardsTM
- Sign up for banking products through À la carte Extras®
- Pay your credit card balance from your online bank
Ready to get started?
Is this your first visit?
A personalized customer experience
For the second year in a row, National Bank ranked #1 in Customer Experience among credit card issuers according to the 2022 Forrester CX IndexTM.
Little details that matter
*Promotion valid from February 14, 2022 to May 31, 2022 for National Bank Platinum®, World, World Elite® and Platinum Business Mastercard® credit cards. To take advantage of this offer, you must sign up for an eligible National Bank credit card by May 31, 2022. Credit card issued subject to credit approval by National Bank. Certain conditions apply.
Savings on annual fees for the first year:
The annual fees for the card will be refunded for the first year for the main cardholder and for the first authorized user added to the account. To receive the annual fee refund for the first authorized user, you must add them on the account opening application. Annual fees will appear as a charge and credit on the 4th statement, at the latest, after your account is opened.
The primary cardholder is responsible for all charges to the account, including those incurred by authorized users.
Bonus rewards points:
The 20,000 rewards points applied under this promotion will be credited to the credit card account in a single payment no later than the 5th statement following the account opening:
Platinum, World, or World Elite Mastercard: you'll get 20,000 rewards points if $3,000 or more in net purchases are charged to the credit card account within the first three months following enrollment.
Platinum Business Mastercard: you'll get 20,000 rewards points if $5,000 or more in net purchases are charged to the credit card account within the first three months following enrollment.
The account must be in good standing at the time the annual fees are refunded and bonus rewards points are applied.
The net purchases charged to your card are calculated over a period of three months, starting at account opening. For example, if the account is opened March 15, 2022, the account holder will have until June 15, 2022 to charge the required amount of purchases to the account and obtain the bonus rewards points.
Net purchases refer to the amount in purchases charged to the account less returns and refunds. Annual fees, balance transfers, cash advances (including transactions that can be converted directly to cash, such as money orders, traveller's cheques and gambling transactions), interest charges and any other fees and adjustments are not considered purchases and are therefore not included in the calculation.
Eligibility and terms and conditions
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. There is a limit of 20,000 rewards points per eligible credit card account during the promotional period, regardless of the number of credit cards associated with the account. It cannot be combined with any other National Bank credit card promotion. Employees of National Bank and its subsidiaries and entities are not eligible for this promotion. The promotion may be modified, extended or cancelled, without prior notice, at any time
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You aren't eligible? Discover the Platinum credit card.
Number of points per $ spent1 |
Earn up to 2 points per dollar spent, based on your
Earn points even faster by adding another card to your account (e.g. for your spouse) or by booking travel through our À la carte Travel™ online agency. |
Travel deals1 |
With the À la carte RewardsTM, you have the freedom to travel with the agency and airline of your choice. For more information on travel rewards, go to nbcrewards.ca. |
À la carte Travel |
Save on vacation packages and airline tickets when you redeem your points through the À la carte Travel™ online agency. Plan your entire trip with hotel and cruise bookings, car rentals and more. |
À la carte Extras |
Invest in a financial product, save on your banking packages or pay your mortgage with your rewards points thanks to the À la carte Extras program® |
Repayment with rewards points |
Pay your credit card balance with your rewards points directly in your online bank. For more details, visit our Repay with points program page. |
Insurance
Summary and insurance certificate |
Consult the${p1.guideDistr|link:"Purchase protection summary":"":"_blank" }[PDF] | Travel insurance summary [PDF] |${p1.certif|link:"Insurance Certificate":"":"_blank" }[PDF] |
Zero Liability 6 |
Included |
Purchase protection in the event of theft or damage 4 |
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Extended warranty 4 |
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Trip cancellation insurance 4 |
Up to $2,500 per person |
Trip interruption insurance 4 |
Up to $5,000 per person |
Out-of-province-of-residence medical/hospital insurance 4 |
Up to $5,000,000 per person:
If your trip exceeds these time frames, you will not be covered. |
Flight delay insurance 4 |
Up to $500 per person (over 4 hours) |
Baggage insurance in case of delay 4 |
Up to $500 per person (over 6 hours) |
Baggage insurance in case of theft or loss 4 |
Up to $1,000 per person |
Vehicle rental insurance 4 |
Against collision, theft or damage for a period of 48 days or less (theft of personal effects up to $2,000) |
Medical, general and legal assistance 4 |
Included |
Important phone numbers
Customer service (24/7) |
|
À la carte Rewards Centre |
|
Insurance claim and assistance |
|
Lost or stolen card |
|
Chargeback |
Credit card Agreement
To learn more about the terms applicable to your card, read the${p1.urlConvention.en | link:"Credit card Agreement":"":"_blank"}[PDF].
Confidentiality Policies
To learn about how we protect your information, consult our Confidentiality Policies.
®Mastercard and World Mastercard are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.
®À LA CARTE EXTRAS is a registered trademark of National Bank of Canada.
®À LA CARTE REWARDS PLAN is a registered trademark of National Bank of Canada.
TM À LA CARTE TRAVEL is a trademark of National Bank of Canada. À la carte Travel is owned by Transat Distribution Canada Inc., holder of permit No. 753141 in Quebec.
TM À LA CARTE REWARDS is a trademark of National Bank of Canada.
TM CX Index and Forrester are trademarks of Forrester Research inc.
National Bank of Canada received the highest CX IndexTM
score among credit card issuers in Canada in Forrester’s proprietary
2021 CX IndexTM 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 IndexTM 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.
1. Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points.
2. 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 |
|
|---|---|---|
$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
3. Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
4. This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, their spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. 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.
5. Subject to credit approval by National Bank.
6 . Certain conditions apply. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.
Ready to travel with the World Mastercard®?
Completing an application takes just a few minutes.
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