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World Mastercard

Get up to 2 points per dollar spent and travel with peace of mind.

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Gross annual income $60,000 for applicant or $100,000 for household*

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per dollar spent¹

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annual fee

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Purchase rate

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22.99% Interest rate (balance transfers and cash advances)^2-3

Benefits of the ${p1.nomProduit.fr}

Travel
Everyday living
Exclusive perks

Comprehensive travel insurance

Enjoy up to 60 days' coverage with our travel, trip cancellation/interruption, baggage loss and car rental insurance.⁴

Travel deals

Visit the À la carte Rewards^TM site to claim any eligible expenses for travel not booked through our online travel agency.

Travel agency

Get more for your points when you redeem them for travel rewards.
Call 1-800-561-3653 for information.

Urban experiences

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

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 loss, theft or damage for up to 180 days after the date of purchase.⁴

Extended warranty

Get up to triple the manufacturer's warranty for most items purchased using your credit card.⁴

Secure online purchases

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

Fraud protection

Benefit from Mastercard's Zero Liability policy⁵—you won't be liable for unauthorized transactions completed with your card.

24/7 concierge service

Our dedicated concierge service is just a phone call away, whether you need to book a hotel, have flowers delivered or make reservations at the hottest restaurant in town.

Dedicated online store

Redeem your points at our online store where we offer a wide range of rewards from top brands.

Pay with points

Invest in a financial product or pay your mortgage with your rewards points thanks to our À la carte Extras program^®.

How to take advantage of your rewards?

Apply for your card

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.

*See all criteria

Ready to apply? ${p1.urlForms | link:"Apply now":"btn btnRTE3"}

Not sure yet? Compare cards

Earn points

By charging just $3,000 a month to your card, you can get up to 52,500 rewards points per year and earn up to $400 in travel discounts.

Redeem your points

Get merchandise and gift cards at our online store
Buy vacation packages, plane tickets and travel essentials through À la carte Travel^TM
Enjoy exclusive travel discounts with À la carte Rewards^TM
Sign up for banking products through À la carte Extras^®
Pay your credit card balance from your online banking profile

Ready to get started?

Shop rewards

Is this your first visit?

Create an account

Not sure yet?

Explore the benefits >

Compare travel cards >

View all cards >

Pack your bags! Completing an application takes just a few minutes.

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Little details that matter

Eligibility criteria

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You aren't eligible? Discover the Platinum credit card.

Annual fee and interest rate

Annual fee²	$${p1.productPricing.AF_CRD.productPricingValue}
Annual fee for additional card	$${p1.productPricing.AF_CRD_SUP.productPricingValue}
Purchase rate	${p1.productPricing.TX_INT.productPricingValue}%
Balance transfer and cash advance rate^2,3	${p1.productPricing.TX_TRF.productPricingValue}%
Minimum credit limit⁵	${p1.productCriteria.AMTRANGE.criteriaLowerValue \| amount:"true"}

Rewards plan

Number of points per $ spent⁶	Earn up to 2 points per dollar spent, based on your net spending over a 12-month period starting on the date you open the account: $0 to $20 000: 1.25 points per dollar in purchases $20 001 to $30 000: 2 points per dollar in purchases $30 001 and more: 1.25 points per dollar in purchases 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 deals⁶	With the À la carte Rewards^TM, 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. Discover the À la carte Travel online agency
Repayment with rewards points	Repay your credit card balance in your client centre. For more details, please refer to the Repay with points program.

Insurance

Distribution guide and insurance certificate	Consult the${p1.guideDistr\|link:"Distribution Guide":"":"_blank" }[PDF] and the${p1.certif\|link:"Insurance Certificate":"":"_blank" }[PDF]
Zero Liability⁷	Included
Purchase protection in the event of theft or damage⁴	${p1.assuranceAchats} days following the purchase date
Extended warranty⁴	${p1.garantieProlong.en}
Trip cancellation insurance⁴	Up to $2,500 per person
Trip interruption insurance⁴	Up to $5,000 per person
Out-of-province-of-residence medical/hospital insurance⁴	Up to $5,000,000 per person: 54 and under: 60 days 55 to 64: 31 days 65 to 75: 15 days If your trip exceeds these time frames, you will not be covered.
Flight delay insurance⁴	Up to $500 per person (over 4 hours)
Baggage insurance in case of delay⁴	Up to $500 per person (over 6 hours)
Baggage insurance in case of theft or loss⁴	Up to $1,000 per person
Vehicle rental insurance⁴	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 assistance⁴	Included

Important phone numbers

Customer service (24/7)	In Canada or the U.S.: 1‑888‑622‑2783 Other countries: 514‑394‑1427
À la carte Rewards Centre	In Canada or the U.S.: 1‑800‑341‑8083 Other countries: 514‑847‑8280
Concierge service (24/7)	In Canada or the U.S.: 1‑888‑296‑8881 Other countries: 416‑734‑3922
Insurance claim and assistance	In Canada or the U.S.: 1‑888‑235‑2645 Other countries: 514‑286‑8345
Lost or stolen card	In Canada or the U.S.: 1‑800‑361‑0070 Other countries: 514‑281‑3159

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

TM À LA CARTE REWARDS and À LA CARTE EXTRAS are registered trademarks of National Bank.

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

TM À LA CARTE TRAVEL is a trademark of National Bank of Canada. À la carte Travel is managed by Transat Distribution Canada Inc., holder of permit No. 753141 in Quebec.

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

1. Subject to credit approval by National Bank.

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.

Examples of credit charges

Example of credit charges over a 30-day period:

Annual interest rate	Average balance
	$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

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, his/her 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 restrictions apply. Please consult the rules governing reward points under Rewards plan.

7. 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.