Mastercard Rewards Credit Cards

Compare our Mastercard^® rewards cards

Take advantage of your Mastercard rewards card’s great advantages all year round, no matter your lifestyle and financial needs. So how will you benefit?

Get up to 25,000 points

Platinum Mastercard

Up to 2 points per dollar spent¹

Mobile device insurance⁸
Extended warranty on purchases⁴
Travel insurance for trips of 10 days or less⁴

Annual fee for the cardholder²

$70 $0 for the first year

Reimbursed the first year, $70/year thereafter. 

Annual fee for the cardholder²

$35 $0 for the first year

Reimbursed the first year, $35/year thereafter. 

Purchase rate

20.99%

Balance transfers and cash advances^2-3

22.49%

This offer for new National Bank Platinum Mastercard credit card holders is only available until August 4, 2025. Minimum purchase and insurance product required.  Some conditions apply. 

Apply now

Discover the Platinum card

World Mastercard

Up to 2 points per dollar spent¹

Vehicle rental insurance⁴
Extended warranty on purchases⁴
Travel insurance for up to 60 days ⁴

Annual fee²

$115

Purchase rate

20.99%

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

22.49%

Minimum gross annual income: $50,000 for applicant or $80,000 for household income. Subject to credit approval.

Apply now

Discover the World card

World Elite Mastercard

Up to 5 points per dollar spent¹

Refund for travel expenses ($150)⁶
Access to the National Bank Lounge⁷
Travel insurance for up to 60 days ⁴

Annual fee²

$150

Purchase rate

20.99%

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

22.49%

Minimum gross annual income: $80,000 for applicant or $150,000 for household income. Subject to credit approval.

Apply now

Discover the World Elite card

The advantages of our rewards cards

All of our reward cards offer a range of benefits to help simplify your life:

Redeem your points at the travel agency of your choice
Car rental insurance⁴
Purchase protection⁴ insurance (up to 180 days)
Extended manufacturer’s warranty on purchases⁴

Fraud protection⁵
Enhanced security with Mastercard^® ID Check^TM
Contactless payments with Apple Pay^® and Google Pay^®

Experiences and À la carte Rewards Plan^®
Use your points to pay off your balance
Discounts on monthly fees for The Total^® and The Connected^® packages

Convenient features that go wherever you go

Lock, unlock or replace a credit card*

In case of loss, fraud or theft of your credit
card, you can temporarily lock your card or replace it in your online bank.

Lock or replace your card

Picto of a credit card with a notification bell

Receive notifications

Get peace of mind by enabling credit card email notifications in your online bank. You can be notified before your card balance is due and when a transaction exceeds the limit per transaction that you set.

See the demo

Apply for a credit limit increase

Sign in to your online bank to request a credit limit increase. Once the request has been submitted, it will take 5 business days to process your request. You will be notified by email.

Request an increase

Financial benefits with your points

With À la carte Rewards^®, you can gain a lot with your rewards points. For example, you can save on bank fees, mortgage payments, RRSP contributions and more.

Discover benefits

How do Rewards credit cards work?

You could earn points for every dollar you spend. You can then redeem your points for rewards such as travel discounts, merchandise or gift cards. Plus, there is no deadline for using your points.

For tech lovers!

Spoil yourself with a wide selection of electronics, including wearable technology, which you can obtain by redeeming your Rewards Points.

Discover selection

Brighten your daily routine

Choose the gift cards that best suit your lifestyle, including those for your renovation projects.

Discover gift cards

Your online bank

Sign in to your online bank to carry out most of your daily transactions.

Sign in

Need help?

Visit our help centre to find answers to your questions.

Find answers

Contact Mastercard

If you have any questions, contact Mastercard Customer Service at

1-888-622-2783

Find the right credit card for you

Travel

Cashback

Signe de pourcentage et flèche vers le bas

Low interest rate

Picto of a encircled, crossed-out dollar sign

No annual fee

View all cards

Little details that matter

Length of the welcome promotion

From April 1 to August 4, 2025.

Eligibility conditions

Sign up for a National Bank® Platinum Mastercard® credit card during the promotion as a primary cardholder.
Have not held a personal National Bank Mastercard credit card as a primary cardholder during the past 24 months.
Keep the credit card account open until the rewards points are paid.
Keep the account in good standing while complying with the conditions in the Credit Card Agreement, until the rewards points are paid. For example, all minimum payments must be made on time.
Not be employed by National Bank or an entity in its group.

Description of the promotion

Up to 25,000 reward points upon enrollment and the annual fees refunded for the first year for the primary cardholder and the first additional authorized user.

Annual fees

No annual fees for the first year for the primary cardholder and the first additional authorized user.

We will charge annual fees to the account of your new card and reimburse those fees to you. You will receive this reimbursement within five months of opening your account, provided that your account remains open and in good standing. It will appear on your statement in the form of a credit.

To benefit from the annual fee discount for the first additional authorized user’s card, you must add it to the account opening request.

Annual fees related to other authorized users’ cards are not eligible for this promotion.

Rewards points

Points offered	Conditions	When points are awarded to the account
5,000	Enrollment in payment insurance* for at least the first three months	In the two months following the minimum enrollment period for payment insurance.**
10,000	$2,500 in purchases in the first three months**	By the end of the 6th month after enrollment.**
10,000	$6,500 in purchases in the first 12 months**	By the end of the 15th month after enrollment.**

* To apply for enrollment in payment insurance, you must complete the sections to apply for the Credit Card Payment Protection Plan (CCPPP) included on the credit card application form.

** The purchase calculation period starts on the date you sign up for the card. For example, if you sign up for the card on April 15, you have until July 15 to make the required net purchases to receive the points which will be credited to your account by the end of October 2025.

How total purchases are calculated

The calculation is for the total amount of purchases made through all cards linked to the account. The transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards Plan^TM.

Other conditions

You can only take advantage of the promotion once.
Issuance of the card is subject to credit approval by National Bank of Canada. Other conditions apply to the issue of the card.
This promotion may not be combined with any other promotion or offer applicable to National Bank credit cards, nor is it retroactive.
This promotion may be modified or withdrawn without notice.

Due to the labour disruption at Canada Post, certain mail delivery interruptions may occur. If you signed up for a promotional credit card after November 7, 2024, you will have an additional 30 days to make your minimum purchases and take advantage of the promotional rewards points. Note that this deadline may be extended depending on the impact on mail deliveries.

Length of the welcome promotion

From November 1^st, 2024, to March 31^st, 2025.

Eligibility conditions

Apply for a National Bank World Elite^® Mastercard^® credit card as the primary cardholder during the promotion period.
Have not held a personal National Bank Mastercard credit card during the past 24 months.
Keep the credit card account open until the rewards points are paid.
Keep the account in good standing while complying with the conditions in the Credit Card Agreement, until the rewards points are paid. For example, all minimum payments must be made on time.
Not be employed by National Bank or an entity in its group.

Rewards points

Points offered	Terms and conditions	When points are awarded to the account
5,000	Sign up for payment insurance* for at least the first 3 months.	Within five months of the minimum period of enrollment.
5,000	$5,000 in net purchases in the first 3 months.	By the end of the 6th month after enrollment.**
10,000	$10,000 in net purchases in the first 6 months.	By the end of the 9th month after enrollment.**
20,000	$15,000 in net purchases in the first 12 months.	By the end of the 15th month after enrollment.**

*To apply for payment insurance, you must complete the Credit Card Payment Protection Plan (CCPP) section in the credit card application form.

**The purchase calculation period starts on the date you sign up for the card. For example, if you sign up for the card on November 15, you have until February 15 to make the required net purchases to receive the points which will be credited to your account by the end of May 2025.

How the total purchase amount is calculated

The calculation is for the total amount of purchases made through all cards linked to the account. The transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards Plan^TM.

Other conditions

You can only benefit from the promotion once.
Issuance of the card is subject to credit approval by National Bank. Other conditions apply to the issue of the card.
The promotion may not be combined with any other promotion or offer applicable to National Bank credit cards and cannot be applied retroactively.
This promotion may be modified or withdrawn without prior notice.

Minimum age

Age of majority in the province or territory where you live

Legal status

Canadian resident

Gross annual income

or

Minimum purchases per year (existing client only)

or

Investable assets

$80,000 for applicant or $150,000 for household income

$25,000 charged to the card annually

$400,000

You aren't eligible? Discover the World Credit Card or the Platinum credit card.

Minimum age

Age of majority in the province or territory where you live

Legal status

Canadian resident

Gross annual income

or

Minimum purchases per year (existing client only)

or

Investable assets

$50,000 for applicant or $80,000 for household income

$15,000 charged to the card annually

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

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

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

™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. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions.

® Google Pay is a trademark of Google LLC. The use of this trademark is subject to Google Inc.’s authorization policy.

®THE TOTAL, THE CONNECTED, AND NATIONAL BANK are registered trademarks of National Bank of Canada.

1. Certain restrictions apply. Please consult the rules governing reward points in the Rewards plan.

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
13.2%	$5.53	$33.16
9.2%	$3.78	$22.68

*Variable interest rate in effect on September 1, 2021

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

6. Clients must submit required documents within the given deadline. Certain conditions may apply. Only the primary cardholder (“Cardholder”) of National Bank World Elite Mastercard whose account is in good standing can request a refund of travel expenses. An account in good standing refers to an account linked to a credit card which complies with the Agreement governing the use of the credit card and which is not subject to any restrictions. For example, the annual fees related to the credit card must have been paid in full. The maximum amount that can be submitted for reimbursement between January 1 and December 31 of each year is $150.

Eligible expenses include:

- airport parking fees

- baggage fees

- seat selection fees

- access to airport lounges worldwide

- airline ticket upgrades

The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. The travel fees must be charged to the National Bank World Elite Mastercard credit card. The maximum reimbursement amount is $150 per account. The refund will be issued within 7 business days following the request approval date and after receiving all required information. An amount not claimed in a year cannot be carried over to the following year. For more information or to obtain the refund form, sign in to rewards.nbc.ca, click the Refund of travel expenses tab and complete the form, you can also contact us at 1-888-296-8881 (toll-free).

7. Exclusively available to World Elite Mastercard cardholders. Visitors must present their physical credit card and boarding pass to access the National Bank Lounge. The National Bank Lounge is only available to clients travelling to international destinations (excluding Canada and U.S. flights). Guests cannot spend more than three (3) hours in the Lounge. For National Bank clients who do not have free lounge access and for additional guests, admission is around $37 for adults and $26 for children, plus tax. Admission is free for children under three years old. The entry price may change at any time without notice and at the discretion of the Lounge operator.

8. Up to $1,000 in the event of accidental breakage, loss or theft for a maximum of 2 years after the purchase date. The device must have been purchased using your National Bank Platinum Mastercard credit card, or your phone plan must be paid via recurring payments charged to your National Bank Platinum credit card starting September 1, 2022. For complete terms and conditions, please consult the insurance certificate associated with your card.

Rewards credit cards

Compare our Mastercard® rewards cards

Platinum Mastercard

World Mastercard

World Elite Mastercard

The advantages of our rewards cards

Convenient features that go wherever you go

Lock, unlock or replace a credit card*

Lock or replace your card

Receive notifications

See the demo

Apply for a credit limit increase

Request an increase

Financial benefits with your points

Discover benefits

How do Rewards credit cards work?

For tech lovers!

Brighten your daily routine

Find the right credit card for you

Little details that matter

Platinum Mastercard credit card promotion details

Eligibility criteria for the World Elite card

Eligibility criteria for the World card

Legal disclaimers

Virtual assistant

Compare our Mastercard^® rewards cards