Syncro Mastercard credit card

Our low interest rate credit card

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Illustration of a Syncro Mastercard credit card

Syncro^TM Mastercard^® credit card at a glance

Annual fee $35

Purchase protection¹

Picto of a shield with a verification symbol

Extended warranties on your purchases¹

Annual fee

$35

Current interest rate (purchases)

8.95%

4% + (prime rate ²)

Minimum rate of 8.90%³

Interest rate (balance transfers and cash advances)⁴

12.95%

8% + (prime rate²)

Minimum rate of 12.90%³

Get your card

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

Syncro Mastercard

$35

Annual fee

8.95%

Purchase rate

12.95%

Balance transfer and cash advance

Apply now

Syncro Mastercard

Get yout card

The benefits of our low-interest Syncro^TM Mastercard^® credit card

Simple admission terms

No minimum annual income required, unlike other credit cards⁵

Picto of a credit card with a small shield

Zero liability protection

No liability for unauthorized transactions⁶

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 an interest-free period and other useful features

21-day grace period to give you peace of mind

Enjoy a 21-day grace period.⁷ That means no interest is charged on purchases made during the month if you pay the full amount on your account within 21 days of the statement date.

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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

Photo de la carte de crédit Mastercard Syncro de la Banque Nationale

Apply today and get a quick response for the low-interest credit card

Apply online from the comfort of your home and get an answer in minutes.⁸

Apply now

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This low-interest credit card not what you’re looking for?

Photo of the ECHO Cashback Mastercard credit card

The ECHO^® Cashback Mastercard^® credit card could be right for you:

Get up to 1.5% cashback on your everyday purchases⁹
Up to 90 days of theft or damage purchase insurance¹
Double the manufacturer's warranty,¹ up to an additional year longer*

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

Discover the ECHO

We’re here for you

Want to apply for the Syncro Mastercard credit card?

Apply online. It’s quick and easy.

Apply now

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.

Find an answer

Little details that matter

Summary and insurance certificate	Consult theSummary[PDF] and theInsurance Certificate[PDF]
Zero Liability⁶	Included
Purchase protection against theft or damage⁵	90 days following the purchase date
Extended warranty⁵	Double (up to one 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.

Length of the welcome promotion 

From November 21, 2024, to February 27, 2025

Eligibility conditions

Sign up for a National Bank® Syncro™ Mastercard® credit card during the promotion as a primary cardholder. 
Not have held one of our Mastercard credit cards for personal banking from National Bank over the past 12 months as a primary cardholder.  
Keep the credit card account open until the annual fees are refunded, and the bonus is awarded.
Keep the account in good standing by complying with the conditions set out in the credit card agreement, until the annual fees are refunded and the bonus is awarded. For example, all minimum payments must be made on time.
Not be employed by National Bank or one of its subsidiaries.

Description of the promotion

The annual fees will be refunded for the first year for the primary cardholder, and a $70 cashback bonus will be credited to the account if $5,000 in net purchases are made within the first 12 months of card membership.

Annual fees

Refund of annual fees in the first year for the primary cardholder. These annual fees will be charged to your new card account, and we will refund these fees. You will receive this refund within three months of account opening, provided your account is still open and in good standing. It will appear on your statement as a credit.

Bonus payment

You may receive $70 as a cashback bonus to your account if a minimum of $5,000 in net purchases is charged to the credit card account within the first 12 months of account opening.

You will receive this cashback bonus within fifteen months of account opening, provided your account is still open and in good standing. It will appear on your statement as a credit.

The net purchases calculation period begins on the card membership date. For example, if you sign up for the card on November 25, 2024, you have until November 25, 2025, to complete the required $5,000 in net purchases to qualify for the $70 cashback bonus, and it will be credited to your account by the end of February 2026.

How purchases are calculated

The total of purchases made with all cards linked to the account is considered.

The following transactions are not counted toward the total purchases: cash advances; balance transfers; Mastercard checks; interest; non-interest fees (such as annual fees, currency conversion fees, and insurance premiums); purchase returns; payments made on your credit card with your points; credits posted to the account when you redeem points for a reward.

Other conditions

You can only benefit from the promotion once.
The card is subject to National Bank's credit approval. Other conditions apply to the issuance of the card.
This promotion cannot be combined with another promotion applicable to National Bank's credit cards and is not retroactive.
This promotion may be changed or withdrawn without notice

TM SYNCRO is a trademark of National Bank of Canada.

® Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: 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 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 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.

2. The prime rate refers to the annual variable interest rate posted by National Bank, from time to time, and used by National Bank to determine the interest rates on the demand loans it grants in Canadian dollars in Canada.

3. The interest rate for the SyncroTM credit 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 SyncroTM credit card will not be less than 8.9% for purchases and 12.9% for balance transfers and cash advances.

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

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.

7. 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
12.95%	$5.32	$31.93
8.95%	$3.68	$22.07

*Variable interest rate in effect on September 1, 2021

8. 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.

9. All eligible purchases qualify for 1% cashback when your account is in good standing. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). The cashback will be paid as a credit applied to your account and cannot be paid in cash. An additional cashback of 0.5% is granted on the first $25,000 of eligible gas, grocery and online purchases charged annually to your credit card account. The additional cashback of 0.5% does not apply when the total of your annual eligible purchases exceeds $25,000. After that, the cashback equals 1% of eligible purchases, regardless of the type of purchase. For conditions and restrictions that apply to cashback rewards and a full list of codes associated with eligible merchants, refer to the cashback accumulation table [PDF] and the applicable rules [PDF].

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

Annual fee³	$35
Annual fee for additional card	$0
Purchase rate	Prime rate + 4% Current rate: 8.95%
Balance transfer and cash advance rate^3‑4	Prime rate + 8% Current rate: 12.95%
Minimum credit limit¹	$500

Syncro Mastercard credit card

SyncroTM Mastercard® credit card at a glance

The benefits of our low-interest SyncroTM Mastercard® credit card

Simple admission terms

Zero liability protection

Purchase protection

Adapted limit

Enhanced security

Quick and easy payments

Enjoy an interest-free period and other useful features

21-day grace period to give you peace of mind

Different features to make life easier

Apply today and get a quick response for the low-interest credit card

This low-interest credit card not what you’re looking for?

We’re here for you

Little details that matter

Eligibility criteria

Annual fee and interest rate

Insurance

Important phone numbers

Credit card Agreement

How joint credit cards work

Confidentiality Policies

Ended promotion

Legal Disclaimers

Virtual assistant

Syncro^TM Mastercard^® credit card at a glance

The benefits of our low-interest Syncro^TM Mastercard^® credit card