Mastercard credit card promotions
Take advantage of our current Mastercard credit card promotions and enjoy a wide range of benefits
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A credit card designed for you
Get up to 45,000 points
Apply for a National Bank® World Elite® Mastercard® credit card and you can get up to $1,383 in benefits and rewards, including 45,000 rewards points.*
This promotion for new National Bank World Elite Mastercard cardholders ends December 1, 2025. Minimum purchases and insurance product required. Conditions apply.
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Our low-interest rate credit card
Subject to credit approval.
Get up to $105 cashback
Save on annual fees and get $70 cashback one year after enrollment when you sign up for the Syncro Mastercard credit card.
*This promotion for new National Bank cardholders and is valid until March 3, 2026. Minimum purchases required. Conditions apply.
**Current interest rate (purchases)
4% + (base rate
8)
Minimum rate
of 8.90%
9
***Interest
rate (balance transfers and cash advances)
8% + (base rate
8)
Minimum rate of 12.90%
9
Get a quick response to your application
Apply online and from the comfort of your own home. Get an answer in minutes.
We’re here for you
Is the World Elite Mastercard credit card right for you?
Apply online in minutes.
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Come see us or give us a call and we'll answer all your questions.
Call us toll free:
1-888-622-2783
Need more information?
Little details that matter
Length of the welcome promotion
From August 5, 2025, to December 1, 2025
Eligibility conditions
- Sign up for a National Bank® World Elite® Mastercard® credit card during the promotion as a primary cardholder.
- Sign up via the redirection link provided on one of our partner's websites during the promotion. Must not have held one of our Mastercard credit card for individuals from National Bank over the past 24 months as a primary cardholder.
- Keep the credit card account open until rewards points are paid.
- Keep the account in good standing by complying with the conditions set out 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 one of its subsidiaries.
Description of the promotion
Rewards points
| Points offered | Terms and conditions |
When points are awarded |
|---|---|---|
| 5,000 | Sign up for payment insurance* for at least the first 3 months. |
By the end of the 5th month after enrollment.** |
| 10,000 | $5,000 in net purchases in the first 3 months. |
By the end of the 5th month after enrollment.** |
| 10,000 |
$10,000 in net purchases in the first 6 months. |
By the end of the 8th month after enrollment.** |
| 20,000 | $15,000 in net purchases in the first 12 months. |
By the end of the 14th 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, 2025, you have until February 15, 2026, to make the required net purchases to receive the 10,000 points which will be credited to your account by the end of April 2026.
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 PlanTM.
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.
Length of the welcome promotion
From October 1, 2025, to March 3, 2026
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, 2025, you have until November 25, 2026, 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 2027.
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
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.
® Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.
1. 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). You benefit from free and unlimited access with a guest and two children aged 12 or under. Guests cannot spend more than three (3) hours in the Lounge. National Bank clients who are not World Elite® Mastercard® cardholders can also access the lounge while enjoying a 25% discount on these rates:
-
$63.24 taxes included for adults (excluding discount)
-
$40.24 taxes included for children aged 2 to 12 (excluding discount)
-
Free for children under 2 years old
The entrance fee is subject to change without notice and is the responsibility of the lounge operator.
2. 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).
3. 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.
4. 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
5. Balance transfers and cash advances are subject to credit approval by National Bank. Each amount transferred cannot be less than $250.
6. 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.
7. 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.
8. 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.
9. The interest rate on the National Bank® SyncroTM credit card consists of a variable base rate set by National Bank, plus an adjustment rate of 4% for purchases and 8% for balance transfers and cash advances. Please note that the annual interest rate on the Syncro® credit card can never be less than 8.9% for purchases and 12.9% for balance transfers and cash advances.