Compare National Bank Credit Cards

A National Bank credit card can help you earn points towards your next vacation or lock in a low-interest rate for a large purchase. Check out the range of National Bank credit cards to find the right National card for you.

Best National Bank credit cards

National Bank Mastercards range from those that earn travel points or cashback to cards with no-fee and low-interest rates. Here are some of the best National cards on the market right now.

Best National Bank credit card for cashback rewards:
National Bank ECHO Cashback Mastercard

Credit recommended (660-) Read review

660
Min. credit score

$30
Annual fee

Up to 1.5%
Cash back

n/a
Welcome offer

• Info
• Pros & Cons
• Details

This card lets you earn up to 1.5 cashback on gas, groceries and online purchases, with a 1 return on everything else. There's a $30 annual fee for this card, but you should be able to pay it down relatively quickly with the money you save. For example, if you pay $500 per month for gas and groceries combined, you'll earn $7.50 in cashback. Throw in another $400 on other purchases, and you'll get an additional $4 back, for a total savings of $11.50 per month. This might not seem like much, but adds up to around $138 every year.

• Rewards. Get 1.5 cashback on gas, groceries and online purchases.
• Low annual fee. Pay only $30 for the year.

• No promo offer. The Echo doesn't offer an introductory rate.
• Lower rate on some purchases. You'll only get a 1 return on non-essential items.

Annual Fee	$30
Purchase APR	20.99%
Cash Advance Rate	22.49%
Balance transfer APR	22.49%
Welcome offer	N/A
Rewards	Earn 1.5% when you shop online or purchase groceries and gas, and earn 1% cash back on everything else.

Best National Bank credit card for travel points:
National Bank Platinum Mastercard

Credit recommended (660-) Read review

660
Min. credit score

$70
Annual fee

Up to 2x
Points

n/a
Welcome offer

• Info
• Pros & Cons
• Details

If you're itching to book your next trip overseas, you might like to consider the Platinum MasterCard. This card allows you to save 2 point per dollar spent and comes with a wide array of benefits, including comprehensive travel insurance. One of the main perks of this card is that you don't need a minimum income to qualify. It also offers most of the bells and whistles for a fraction of the cost of other travel cards on offer. The savings aren't as high though: If you spend $2,000 per month on your card, you'll only save around $200 for the year.

• Exclusive travel deals. Qualify for special discounts on vacation packages and travel tickets.
• Purchase protection. Get triple the warranty and 180 days of coverage on most purchases made with you card.
• Travel insurance. Take advantage of short-term emergency medical, trip cancellation/interruption and baggage loss insurance.

• Less points. If you opt for the Platinum card, you'll only earn 2 point per dollar spent instead of two (which means you'll need to spend up to $12,000 to get a $100 discount).
• High annual fee. Even for the bare bones version of this card, the annual fee is $70.

Annual Fee	$70
Purchase APR	20.99%
Cash Advance Rate	22.49%
Balance transfer APR	22.49%
Welcome offer	N/A
Rewards	Earn up to 2 points per dollar spent on grocery and restaurant purchases, 1.5 points per dollar on gas, electric vehicle charging purchases, recurring bill payments and À la carte travel purchases and 1 point per $1.50 spent on other purchases.

Best National Bank credit card for low interest:
National Bank Syncro Mastercard

Credit recommended (660-) Read review

660
Min. credit score

$35
Annual fee

15.2%
Transfer APR

n/a
Rewards

• Info
• Pros & Cons
• Details

If you're on the hunt for a low-fee, low-interest card, look no further than the Syncro MasterCard. This card may not have all the bells and whistles, but the 11.2% interest rate on purchases is a big draw for customers compared to the average 20% rate charged on other cards. In theory, this means if you have an outstanding balance of $1,000, you'll pay $8.90 in interest instead of $20. The larger the amount you owe, the more you save on interest. You'll also pay only $35 for the annual fee, which is less than the fee on offer for many other National Bank cards. You might like to consider this card if you're looking to finance a large purchase or you have trouble paying off your balance in full every month.

• Low interest. You'll only pay 11.2% interest on purchases and 15.2% on cash advances and balance transfers.
• Reasonable fee. The annual fee is only $35 per year.
• Purchase protection. Benefit from 90-day purchase and warranty protection.

• No rewards. You won't earn points or cashback on purchases.
• Few benefits. This card is fairly basic, so you won't be able to take advantage of many extras.

Annual fee	$35
Purchase APR	11.2%
Balance transfer APR	15.2%
Balance transfer fee
Rewards	N/A

National Bank Mastercard À la carte Rewards Plan

National Bank MasterCards offer returns in the form of targeted rewards, cashback, travel points and low-interest rates with its rewards program, called À la carte Rewards.

How to redeem points

For cashback, you can just sign into your online banking to see how much you’ve earned and request to apply amounts over $25 onto your next bank statement. To redeem points, you just need to sign on to your rewards account or call the À la carte Rewards Centre.

Typical card benefits and features of a National Bank card

National Bank offers a number of credit cards options to suit every need. Each card offers its own range of unique features, but there are also common features across cards.

• Contactless payments. Check out in a flash with Tap & Go.
• Purchase protection. Enjoy damage, loss or theft protection on most purchases.
• Extended warranty. Double or triple the manufacturer’s warranty on most purchases.
• 24/7 concierge services. Call in for quick and easy access to customer support.
• Secure online purchases. Protect your credit card information by creating a SecureCode for online purchases.
• Fraud protection. Rest easy with Mastercard’s Zero Liability policy, which protects you against fraudulent purchases.
• Exclusive offers. Buy tickets for one-of-a-kind events offered only to MasterCard holders.
• À la carte Rewards Plan. Earn rewards on some National Bank cards from everyday spending, which you can use to book trips through National Bank’s À la carte Travel Agency.

How to apply for a National Bank credit card

You can apply for a National Bank credit card by clicking on any of the Go to site buttons next to the cards the table below.. Before you apply, make sure you meet the minimum eligibility requirements and prepare some basic information.

National Bank Mastercard eligibility criteria

• You must be at least 18 years old.
• You must be a Canadian citizen.

Required documents to apply for a National Bank credit card

• Full name and date of birth.
• Street address and phone number.
• Valid email address.
• Total annual income.

How does National Bank keep my credit card information safe?

National Bank provides enhanced protection for your card by asking for a SecureCode for online purchases. You’ll also be protected against fraud with Mastercard’s Zero Liability policy.

Compare National Bank credit cards

Bottom line

National Bank Mastercards come with great features such as cashback, rewards, no fee and low-interest rates and can be a great alternative to those offered by the Big Five banks. Compare the best National cards above.

National Bank credit cards FAQ

• What can my rewards points be exchanged for?

  You can exchange your points for items from the gift catalogue (including gift cards) as well as travel discounts.

• Which purchases won't earn me cashback?

  You won't earn cashback on cash advances, balance transfers, or additional charges like annual fees, foreign exchange transactions and insurance premiums.

• Will I have to pay a fee to sign up for a National Bank MasterCard?

  It depends on the card. Some cards are fee-free but offer limited rewards, while others come with a medium-high fee, but offer lots of benefits.