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Compare National Bank Credit Cards

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

Please note: All information about National Bank has been collected independently by Finder and products from National Bank are not available through this site.

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

Echo Cashback MasterCard

This card lets you earn up to 1.5% cashback on gas, groceries and online purchases, with a 1% return on everything else. Once you earn at least $25, you can apply your savings to your outstanding balance.

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.

You could also consider applying for the mycredit Mastercard, which comes with no annual fee. It only gives a 1% return on all purchases but you may qualify for a promo offer which would give you up to 6% cashback in your first three months.

The perks

  • 1.5x the rewards. Get additional cashback on gas, groceries and online purchases.
  • Low annual fee. Pay only $30 for the year.
  • Low-interest balance transfers. Lock in a promotional rate of 3.9% on balance transfers in your first six months.

What to watch out for

  • No promo offer. Unlike the mycredit MasterCard, the Echo doesn’t offer an introductory rate.
  • Lower rate on some purchases. You’ll only get a 1% return on non-essential items.

Best for travel points

Platinum MasterCard

If you’ve got itchy feet and can’t wait to book your next trip overseas, you might like to consider the Platinum MasterCard. This card allows you to save one 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.

The other alternative is to apply for a World Elite MasterCard, which has a promo fee-free in the first year offer on as of March 21, 2019. This card offers double the points, but there’s a catch: the number of points you earn is based on your net spending over the year.

To qualify for 2 points per dollar, you have to spend between $40,000 and $80,000 on your card. After the first year, you’ll also need to pay an annual fee of $150, which significantly eats into your potential savings. Another downside is you need a minimum individual income of $80,000 to qualify.

The perks

  • 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.

What to watch out for

  • Less points. If you opt for the Platinum card, you’ll only earn one 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.

Best for low interest

Syncro MasterCard

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 8.90% 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.

The perks

  • Low interest. You’ll only pay 8.90% interest on purchases and 12.90% 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.

What to watch out for

  • 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.

Best for fee-free rewards cards

CAA Rewards MasterCard

If you’re a CAA member, then this card offers the most bang for your buck in terms of dollars to points ratio. You can earn up to 1% cashback in CAA dollars on eligible purchases, and up to 2% on purchases at participating CAA Club retailers (except for on travel purchases).

Every CAA Dollar you earn equals $1 CAD, and you can redeem CAA Dollars towards travel merchandise, membership renewal, gift memberships, vacation getaways or even your next insurance renewal premium.

If you spend $1,000 on your card per month (which is pretty easy to do), you could earn as much as $20 to spend on your CAA membership, insurance or other rewards. You can also earn additional rewards by shopping with online partners like Indigo and Sephora, or local partners ranging from movie theatres to coffee shops to travel agencies.

The perks

  • No fee. Pay zero fees to rack up more CAA points.
  • Targeted rewards. Earn CAA dollars to help cover the costs of membership, insurance premiums, auto maintenance and repairs.
  • Member deals. Get access to exclusive discounts and one-of-a-kind experiences.

What to watch out for

  • Very specialized. This card will be no good to you unless you’re a CAA member, which costs $150 per year.
  • No cashback. You won’t be able to convert points earned into cash should you decide to leave CAA.

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 other credit cards

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
American Express Cobalt Card
30,000 points
Up to 5 points per $1 spent
19.99%
$120
Min. recommended credit score: 700
Earn up to 30,000 bonus Membership Rewards points in your first year as a new Cobalt Cardmember.
Tangerine World Mastercard
1.95% rate on balance transfers for 6 months
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 680
Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
19.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
BMO Preferred Rate Mastercard
3.99% rate on balance transfers for 9 months
N/A
12.99%
$20
Min. recommended credit score: 660
Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
Scotiabank Value Visa Card
0.99% rate on balance transfers for 6 months
N/A
12.99%
$29
Min. recommended credit score: 650
Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by July 1, 2021.
SimplyCash Card from American Express
1.25% cash back
Up to 2.5% cash back
19.99%
$0
Min. recommended credit score: 700
Earn 2.5% cash back on all eligible purchases in your first three months (up to a maximum spend of $6,000, or $150 in cash back).
Choice Card from American Express
10,000 points
1 point per $1 spent
19.99%
$0
Min. recommended credit score: 700
Earn 10,000 Bonus Membership Rewards points within the first 3 months as a new Cardmember.
Tangerine Money-Back Credit Card
1.95% rate on balance transfers for 6 months
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 680
Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
HSBC +Rewards™ Mastercard®
20,000 Points
2x points per $1 spent
11.9%
$0 annual fee for the first year ($25 thereafter)
Min. recommended credit score: 630
Get 20,000 Points (up to $100 in value), plus get a 1st year annual fee waiver. Apply by September 27, 2021.
BMO Rewards Mastercard
10,000 points
Up to 2 points per $1 spent
19.99%
$0
Min. recommended credit score: 725
Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Apply by October 31, 2021 . Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
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Compare up to 4 providers

Name Product Balance Transfer Rate Balance Transfer Fee Purchase Interest Rate Annual Fee Min. Credit Score Description
Tangerine World Mastercard
1.95% for the first 6 months (then 19.95%)
3%
19.95%
$0
Min. recommended credit score: 680
Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
BMO CashBack Mastercard
1.99% for the first 9 months (then 22.99%)
1%
19.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
BMO Preferred Rate Mastercard
3.99% for the first 9 months (then 12.99%)
1%
12.99%
$20
Min. recommended credit score: 660
Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
Scotiabank Value Visa Card
0.99% for the first 6 months (then 12.99%)
N/A
12.99%
$29
Min. recommended credit score: 650
Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by July 1, 2021.
Tangerine Money-Back Credit Card
1.95% for the first 6 months (then 19.95%)
3%
19.95%
$0
Min. recommended credit score: 680
Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
BMO Rewards Mastercard
1.99% for the first 9 months (then 22.99%)
1%
19.99%
$0
Min. recommended credit score: 725
Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Apply by October 31, 2021 . Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
BMO AIR MILES Mastercard
1.99% for the first 9 months (then 22.99%)
1%
19.99%
$0
Min. recommended credit score: 660
Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
BMO AIR MILES Mastercard For Students
1.99% for the first 9 months (then 22.99%)
1%
19.99%
$0
Min. recommended credit score: 660
Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Get a 1.99% introductory interest rate on balance transfers for 9 months. A 1% fee applies to balance amounts transferred.
BMO CashBack Mastercard For Students
1.99% for the first 9 months (then 22.99%)
1%
19.99%
$0
Min. recommended credit score: 660
Get up to 5% cash back in the first three months (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers for 9 months (with a 1% transfer fee).
Scotia Momentum Visa Card
2.99% for the first 6 months (then 22.99%)
N/A
19.99%
$39
Min. recommended credit score: 650
Earn 7.5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 2.99% introductory rate on balance transfers and a 0% balance transfer fee for the first 6 months. Apply by August 31, 2021.
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Compare up to 4 providers

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
American Express Cobalt Card
30,000 points
Up to 5 points per $1 spent
19.99%
$120
Min. recommended credit score: 700
Earn up to 30,000 bonus Membership Rewards points in your first year as a new Cobalt Cardmember.
Choice Card from American Express
10,000 points
1 point per $1 spent
19.99%
$0
Min. recommended credit score: 700
Earn 10,000 Bonus Membership Rewards points within the first 3 months as a new Cardmember.
HSBC +Rewards™ Mastercard®
20,000 Points
2x points per $1 spent
11.9%
$0 annual fee for the first year ($25 thereafter)
Min. recommended credit score: 630
Get 20,000 Points (up to $100 in value), plus get a 1st year annual fee waiver. Apply by September 27, 2021.
BMO Rewards Mastercard
10,000 points
Up to 2 points per $1 spent
19.99%
$0
Min. recommended credit score: 725
Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Apply by October 31, 2021 . Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
BMO World Elite Mastercard
30,000 points
Up to 3 points per $1 spent
20.99%
$0 annual fee for the first year ($150 thereafter)
Min. recommended credit score: 760
Get up to 30,000 points and the $150 annual fee waived in the first year. Apply by October 31, 2021
Brim Mastercard
Up to $200 worth of bonuses
1 point per $1 spent
19.99%
$0
Min. recommended credit score: 700
Earn up to $200 worth of bonus points when you shop with Brim retailers for the first time through the Brim mobile app.
American Express Aeroplan Card
15,000 points
Up to 2x points per $1 spent
30% annual interest rate applies to balances not paid in full each month
$120
Min. recommended credit score: 700
Earn up to 15,000 Welcome Bonus Aeroplan points and a bonus Buddy Pass as a new cardmember.
BMO eclipse Visa Infinite
40,000 points
Up to 5 points per $1 spent
20.99%
$0 annual fee for the first year ($120 thereafter)
Min. recommended credit score: 760
Get up to 40,000 points and the $120 annual fee waived in the first year.
American Express Business Edge Card
57,000 points
Up to 3 points per $1 spent
19.99%
$99
Min. recommended credit score: 700
Earn up to 57,000 Membership Rewards points in your first year.
American Express AIR MILES Platinum Credit Card
2,000 Miles
Up to 1 Air Mile per $5 - $10 spent
20.99%
$120
Min. recommended credit score: 700
Earn a Welcome Bonus of 2,000 AIR MILES within the first three months. That’s enough to redeem for $200 towards your purchases with AIR MILES Cash.
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Compare up to 4 providers

Name Product Welcome Offer Cash Back Rate Purchase Interest Rate Annual Fee Min. Credit Score Reward Description
Tangerine World Mastercard
1.95% rate on balance transfers for 6 months
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 680
Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
19.99%
$0
Min. recommended credit score: 660
Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
SimplyCash Card from American Express
1.25% cash back
Up to 2.5% cash back
19.99%
$0
Min. recommended credit score: 700
Earn 1.25% cash back on all eligible purchases.
Tangerine Money-Back Credit Card
1.95% rate on balance transfers for 6 months
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 680
Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
SimplyCash Preferred Card from American Express
10% cash back
2% cash back
19.99%
$99
Min. recommended credit score: 700
Earn 2% cash back on all eligible purchases
BMO CashBack World Elite Mastercard
Up to 10% cash back
1% cash back
20.99%
$0 annual fee for the first year ($120 thereafter)
Min. recommended credit score: 760
Earn 5% cash back on groceries, 4% on transit including ride sharing, taxis and public transportation, 3% on gas and electric vehicle charging, 2% on recurring bill payments and 1% unlimited cash back on all eligible purchases.
Shell CashBack Mastercard from BMO
$50 in cash back + 1% cash back
Up to 1.5% cash back
19.99%
$0
Min. recommended credit score: 660
Get 1.5% cash back at participating Shell locations in Canada (up to a maximum spend of $2,500 in any monthly billing period), and get 0.5% cash back everywhere else.
BMO Cashback Business Mastercard
10% cash back
Up to 1.75% cash back
19.99%
$0
Min. recommended credit score: 650
Earn 1.5% cash back on eligible gas purchases, office supplies and on cell phone and internet recurring payments, earn 1.75% cash back at participating Shell stations, and earn 0.75% on all other eligible card purchases.
BMO CashBack Mastercard For Students
5% cash back
Up to 3% cash back
19.99%
$0
Min. recommended credit score: 660
Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
Shell CashBack World Mastercard from BMO
N/A
Up to 3% cash back
19.99%
$79
Min. recommended credit score: 760
Get 3% cash back per $1 spent at Shells stations, 1.25% cash back on all other spend.
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Compare up to 4 providers

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
Tangerine World Mastercard
1.95% rate on balance transfers for 6 months
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 680
Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
19.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
SimplyCash Card from American Express
1.25% cash back
Up to 2.5% cash back
19.99%
$0
Min. recommended credit score: 700
Earn 2.5% cash back on all eligible purchases in your first three months (up to a maximum spend of $6,000, or $150 in cash back).
Choice Card from American Express
10,000 points
1 point per $1 spent
19.99%
$0
Min. recommended credit score: 700
Earn 10,000 Bonus Membership Rewards points within the first 3 months as a new Cardmember.
Tangerine Money-Back Credit Card
1.95% rate on balance transfers for 6 months
Up to 2% cash back
19.95%
$0