You aren't eligible? Discover the World Credit Card or the Platinum credit card.
Rewards credit cards
Take advantage of our World Elite Mastercard credit card promotion and get up to $1,383 in benefits and rewards for the first year.
*Promotion valid until December 1, 2025. Minimum purchases and insurance product are required. Conditions apply.
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?
Promo: up to 45,000 points
${p1.urlImg | image:"-webkit-fill-available":"auto" }
${p1.nomProduit}
Up to 5 points per dollar spent1
Annual fee for the cardholder2
${p1.productPricing.AF_CRD.productPricingValue|amount:"true"}
Annual fee for the second authorized card2
${p1.productPricing.AF_CRD_SUP.productPricingValue|amount:"true"}
Purchase rate
${p1.productPricing.TX_INT.productPricingValue|percent:"true"}
Interest rate (balance transfers and cash advances)2-3
${p1.productPricing.TX_TRF.productPricingValue|percent:"true"}
Minimum gross annual income: ${p1.revenuAnnuel}. Subject to credit approval.
${p1.urlBoiteLogin|link:"Apply now":"btn btnRTE3 modal-token index-p1"}
${p2.urlImg | image:"-webkit-fill-available":"auto" }
${p2.nomProduit}
Up to 2 points per dollar spent1
Annual fee for the cardholder2
${p2.productPricing.AF_CRD.productPricingValue|amount:"true"}
Annual fee for the second authorized card2
${p2.productPricing.AF_CRD_SUP.productPricingValue.en|amount:"true"}
Purchase rate
${p2.productPricing.TX_INT.productPricingValue|percent:"true"}
Interest rate (balance transfers and cash advances)2-3
${p2.productPricing.TX_TRF.productPricingValue|percent:"true"}
Minimum gross annual income: ${p2.revenuAnnuel}. Subject to credit approval.
${p2.urlBoiteLogin|link:"Apply now":"btn btnRTE3 modal-token index-p2"}
${p3.urlImg | image:"-webkit-fill-available":"auto" }
${p3.nomProduit}
Up to 2 points per dollar spent1
No minimum income required. Subject to credit approval.
${p3.urlBoiteLogin|link:"Apply now":"btn btnRTE3 modal-token index-p3"}
The advantages of our rewards cards
All of our reward cards offer a range of benefits to help simplify your life:
- Fraud protection5
- Enhanced security with Mastercard® ID CheckTM
- 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.
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.
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.
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.
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.
Brighten your daily routine
Choose the gift cards that best suit your lifestyle, including those for your renovation projects.
Find the right credit card for you
Little details that matter
Length of the welcome promotion
From August 5, 2024, 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
Up to 25,000 rewards points upon signing up and annual fee refunded in the first year for the primary cardholder and an additional 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. 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 authorized users’ cards are not eligible for this 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.
${p1.ageMin.lbl} |
${p1.ageMin} |
${p1.statutLeg.lbl} |
${p1.statutLeg} |
${p1.revenuAnnuel.lbl} or ${p1.achatsMin.lbl} or ${p1.actifsInvest.lbl} |
${p1.revenuAnnuel}
${p1.achatsMin}
${p1.actifsInvest} |
${p2.ageMin.lbl} |
${p2.ageMin} |
${p2.statutLeg.lbl} |
${p2.statutLeg} |
${p2.revenuAnnuel.lbl} or ${p2.achatsMin.lbl} or ${p2.actifsInvest.lbl} |
${p2.revenuAnnuel}
${p2.achatsMin}
${p21.actifsInvest} |
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.