MC1 Mastercard credit card

A simple and efficient credit card

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MC1^® Mastercard^® credit card at a glance

Access to pre-authorized debits

First steps in credit building

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Extended warranties on your purchases¹

Annual fee

Purchase rate

20.99%

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

22.49%

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Jusqu’à 900 $ en rabais voyage ou jusqu’à 800 $ à investir dans un produit financier annuellement*

MC1 Mastercard

Annual fee

20.99%

Purchase rate

22.49%

Balance transfer and cash advance

Get your card

MC1 Mastercard

Get your card

Benefits of the National Bank^® MC1^® Mastercard^® credit card

Simple admission terms

No minimum annual income is required

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Zero liability protection

No liability for unauthorized transactions⁴

Purchase protection

Up to 90 days after purchase in case of theft or damage¹

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Adapted limit

Minimum credit limit of $500 which can be increased under certain conditions⁵

Enhanced security

Online purchases protected by Mastercard^® ID Check^TM

Quick and easy payments

Make contactless payments with Apple Pay^® or Google Pay^®

Enjoy unique experiences and useful features

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Explore the extraordinary with Mastercard^® Priceless Cities^®

Enjoy priceless experiences with Mastercard^® Priceless Cities^®! Enjoy beautiful destinations, dining experiences, priority access, and more in your city and the places you visit.

Discover your benefits

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Different features to make life easier

Double the manufacturer's warranty1 for up to an additional year.*
Protect your account with the ability to block, unblock, or replace your credit card.
Receive balance alerts, activate travel alerts, and schedule pre-authorized payments with no annual fee.

* Maximum coverage of $60,000 for the entire term of the account

Get a quick response to your application

Apply online from the comfort of your home and get an answer in minutes.

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Not the right credit card for you?

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The mycredit^TM MasterCard^® credit card may be right for you:

Mobile device protection for up to 2 years from the date of purchase of the device¹
Up to 90 days of theft or damage purchase insurance¹
Extend the manufacturer's warranty period up to twice as long¹

Discover the mycredit

We’re here for you

Want to apply for the MC1 Mastercard credit card?

Apply online. It’s quick and easy.

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Need personalized advice?

Our advisors are here to answer all of your questions

Visit a branch

Or call us at 1-888-622-2783

Need additional assistance?

Find all the answers to your questions in our Help centre.

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Little details that matter

Summary and insurance certificate	Consult theSummary[PDF] and theInsurance Certificate[PDF]
Zero Liability⁵	Included
Purchase protection against theft or damage⁴	90 days following the purchase date
Extended warranty⁴	Possibility of doubling the manufacturer's warranty (up to 1 additional year)

Customer service (24/7)	In Canada or the U.S.: 1‑888‑622‑2783 Other countries: 514‑394‑1427
Insurance claim	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
Chargeback	1-888-622-2783

There are two main elements of a joint credit card:

The primary cardholder’s name will be the one that appears on the credit card contract. This person can decide to add up to three authorized users to their account, as well as remove them at any time. They must meet all the eligibility criteria to apply for a credit card.
An authorized user has their own card and PIN. However, all transactions made by that person are charged to the primary cardholder’s account. An authorized user could be a spouse, a child aged 16 or older, or a friend. The designated person doesn’t need to meet all of the eligibility criteria to access their card.

Please remember that the primary cardholder is responsible for paying any outstanding balances and managing the account. This also means that they’re the ones who will receive any cashback generated by the account. If any disagreements or separations occur, the authorized users and primary cardholder must agree on how to proceed.

The authorized user doesn’t receive a statement and doesn’t have access to transaction details and account information, including the credit card limit. However, both cardholders can enjoy the benefits of their card. They can also change their respective PINs, as well as cancel or replace their cards.

How do I get a joint credit card?

If you’re applying for a new credit card, answer “Yes” to the “Do you need an additional card” question in our application form.

If you’d like an additional card for an existing account, fill out our credit card application or call us at 1-888-622-2783.

Please note that there’s an annual fee for an additional credit card.

® MC1 and Mastercard are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.

TM MYCREDIT is a trademark of National Bank of Canada.

® Priceless Cities is a registered 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.

® Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries and regions. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions.

® Google Pay is a trademark of Google LLC and this content is not endorsed by or affiliated with Google in any way.

1. This coverage applies to purchases charged to the National Bank MC1 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.

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.

Annual interest rate	Average balance
	$500	$3,000
22.49%	$9.24	$55.45
20.99%	$8.63	$51.76
14.5%	$5.96	$35.75
8.9%	$3.66	$21.95

*Variable interest rate in effect on September 1, 2021

3. Balance transfers and cash advances are subject to credit approval by National Bank. Each balance transfer must be at least $250.

4. Certain conditions apply. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.

5. Subject to credit approval by National Bank.

6. You will receive a response confirming that your request has been approved, denied, or is in progress. Please note that if your request is in progress, we will ask you for additional information.

Minimum age	Age of majority in the province or territory where you live
Legal status	Canadian resident

Annual fee¹	$0
Annual fee for additional card	$0
Purchase rate	20.99%
Balance transfer and cash advance rate^1-2	22.49%
Minimum credit limit⁵	$500

MC1 Mastercard credit card