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Compare National Bank Credit Cards

Earn travel rewards or cashback on your everyday purchases with this top-tier Canadian bank.

Whether you’re looking to redeem points on your next vacation or you want to lock in a low-interest rate for a large purchase, chances are you can find what you’re looking for with National Bank. Check out our recommendations for cards that offer the best deal below.

Best National Bank credit cards

National Bank offers a variety of cards to customers, ranging from travel points to cashback to no-fee and low-interest rates. MasterCard is the only type of card on offer, so these cards probably won’t work for you if you’re in the market for a Visa or American Express.

Best for cashback rewards:
National Bank ECHO Cashback Mastercard

National Bank ECHO Cashback Mastercard logo
Credit recommended (660-)
Apply now
on National Bank's secure site
660
Min. credit score
$30
Annual fee
Up to 1.5%
Cash back
n/a
Welcome offer
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% fixed
Balance transfer APR 22.49% fixed
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 for travel points:
National Bank Platinum Mastercard

National Bank Platinum Mastercard logo
Credit recommended (740-)
Apply now
on National Bank's secure site
740
Min. credit score
$89 ongoing
Annual fee
Up to 1x
Points
15,000
Points welcome offer
If you're itching to book your next trip overseas, you might like to consider the Platinum MasterCard. This card allows you to save 1 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 1 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 $89.
Annual Fee $0 intro annual fee for the first year ($89 thereafter)
Purchase APR 20.99% fixed
Balance transfer APR 22.49% fixed
Welcome offer Get 15,000 reward points when you spend at least $3,000 in net purchases within the first three months. Plus, get the annual fee waived for the first year. Apply by December 20, 2021.
Rewards Earn 1 point per $1 spent on eligible purchases.
Please note: All information about National Bank Platinum Mastercard has been collected independently by Finder and this card is not available through this site.

Best for low interest:
National Bank Syncro Mastercard

National Bank Syncro Mastercard logo
Credit recommended (740-)
Apply now
on National Bank's secure site
740
Min. credit score
$35
Annual fee
12.9% fixed
Transfer APR
n/a
Rewards
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 8.9% 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 8.9% interest on purchases and 12.9% 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 8.9% fixed
Balance transfer APR 12.9% fixed
Balance transfer fee
Rewards N/A
Please note: All information about National Bank Syncro Mastercard has been collected independently by Finder and this card is not available through this site.

National Bank MasterCard rewards program

National Bank MasterCards offer returns in the form of targeted rewards, cashback, travel points and low-interest rates.

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.

How much is money worth?

It depends on which card you choose. For the cashback card, you earn a small percentage (1 – 2%) of the money that you spend. For the travel card, around 12,000 points (between $6,000-$12,000 in spending, depending on the card) translates to a savings of around $100. For the fee-free and low-interest cards, the real value is the money you save on interest and fees up-front, so you won’t be able to take advantage of additional rewards.

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.

How to apply for a credit card with National Bank

You can apply for a credit card with National Bank through its website. Before you apply, make sure you meet the minimum eligibility requirements and prepare some basic information.

Eligibility criteria

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

Required documents

  • 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

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
National Bank ECHO Cashback Mastercard
N/A
Up to 1.5% cash back
20.99%
$30
Min. recommended credit score: 660
Earn 1.5% cash back on most online purchases, in grocery stores and on gas, and 1% on all other eligible purchases.
National Bank World Elite Mastercard
15,000 Points
Up to 2 points
20.99%
$0 annual fee for the first year ($150 thereafter)
Min. recommended credit score: 740
Get 15,000 reward points when you spend at least $3,000 in net purchases within the first three months. Plus, get the annual fee waived for the first year. Apply by December 20, 2021.
National Bank Platinum Mastercard
15,000 Points
1 point per $1 spend
20.99%
$0 annual fee for the first year ($89 thereafter)
Min. recommended credit score: 740
Get 15,000 reward points when you spend at least $3,000 in net purchases within the first three months. Plus, get the annual fee waived for the first year. Apply by December 20, 2021.
National Bank MC1 Mastercard
N/A
N/A
20.99%
$0
Min. recommended credit score: 660
Control your spending by setting a monthly credit limit and enjoy no annual fee.
National Bank mycredit Mastercard
N/A
Up to 1% cash back
20.99%
$0
Min. recommended credit score: 660
Earn 1% cash back on restaurant purchases and recurring pre-authorized payments, and get 0.5% on all other eligible purchases.
National Bank World Mastercard
15,000 Points
Up to 2 points
20.99%
$0 annual fee for the first year ($115 thereafter)
Min. recommended credit score: 740
Get 15,000 reward points when you spend at least $3,000 in net purchases within the first three months. Plus, get the annual fee waived for the first year. Apply by December 20, 2021.
National Bank Allure Mastercard
N/A
Up to 1 point per $2 spent
20.99%
$0
Min. recommended credit score: 660
Contribute to the Quebec Breast Cancer Foundation with your spending. Plus, receive $10 cash back for every 1,000 points earned.
National Bank Syncro Mastercard
N/A
N/A
8.90% or prime + 4.00%
$35
Min. recommended credit score: 740
Enjoy low purchase interest, cash advance and balance transfer rates.
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Bottom line

National Bank offers a variety of cashback, rewards, no fee and low-interest credit cards. Compare their current cards to find out which one is the best fit for you. If you’re not quite satisfied, check out the features and benefits on offer from other credit card providers.

Frequently asked questions

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