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National Bank Allure Mastercard review

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National Bank Allure Mastercard
Welcome Offer
N/A
Rewards
Up to 1 point per $2 spent
Annual Fee
$0
Purchase Interest Rate
20.99%
Cash Advance Rate
22.49%
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Summary

Get a decent return on points and raise money for a worthy cause with the fee-free National Bank Allure Mastercard. 

Raise money for the Quebec Breast Cancer Foundation with every dollar you spend.

In this guide

  • Review
  • Frequently asked questions
  • Your reviews

The National Bank Allure Mastercard lets you Earn 1 point for every $2 spent on eligible purchases. It also donates a portion of the money you spend to the Quebec Breast Cancer Foundation. As for benefits, you’ll get purchase protection and extended warranty coverage when you sign up.

30-second take

  • Think about this card if you want to raise money for a worthy cause but don’t want to pay an annual fee.
  • Choose something else if you’d rather get comprehensive benefits or want to redeem the points you earn for flexible rewards.
  • There are no minimum annual income requirements to qualify for this card.

The basics

If you want to shop with a card that lets you earn points while making a real-world difference, you should check out the National Bank Allure Mastercard.

  • Supports a worthy cause. Raise money for the Quebec Breast Cancer Foundation with every dollar you spend.
  • No annual fee. Save money on out-of-pocket expenses with no annual fee.
  • Decent return. Earn 1 point for every $2 spent on eligible purchases.
  • Purchase protection. Take advantage of 90 days
    theft and damage protection for eligible items you buy with your card.
  • Extended warranty. Double your manufacturer’s warranty (up to one year) on eligible products you purchase.
  • Discounts on gift cards. Get special discounts on gift cards with National Bank‘s Allure Mastercard partners.
  • Extra cards for free. Grab up to 3 extra cards for no added fee.

Which stores offer discounts on gift cards?

National Bank‘s Allure Mastercard is partnered with reputable stores like Banana Republic, Gap, Amerispa, HomeSense and Old Navy.

The perks

  • Zero-liability coverage. Protect against fraudulent charges on your account with zero-liability coverage.
  • Instant pay. Speed up your purchases with easy tap-and-go contactless payments.
  • Enhanced security. Rest easy when you make purchases online with identity verification through Mastercard ID check.
  • Low minimum credit limit. Get a credit limit as low as $500 to avoid going over your monthly budget.
  • No income requirements. There are no minimum income requirements you need to meet to qualify for this card.

What to watch out for

  • Low return. Earn 1 point for every $2 spent on eligible purchases.
  • High interest. You’ll have to pay 20.99% interest on outstanding balances and 22.49% on cash advances.
  • Points are given as cash back. Your points can only be used for cash back. Earn a return of $10 for every 1,000 points you cash in (or $2,000 you spend).
  • Few benefits. There are no added benefits that come with this card, such as mobile device protection or roadside assistance.
  • No travel insurance. You won’t get free travel medical insurance or other travel perks with this card.

National Bank Allure Mastercard interest rates

Interest TypeInterest Rate
Purchase interest rate20.99%
Cash advance rate22.49%
Standard balance transfer rate22.49%

What should I know before I apply?

Eligibility requirements

To apply for a National Bank Allure Mastercard, you need to meet the following criteria:

  • Be a Canadian citizen or permanent resident with the age of majority of the province

Required documents and information

  • Your name, residential status and contact information
  • Your social insurance number and date of birth
  • Your email address and phone number

How to apply for the National Bank Allure Mastercard

  1. Go to National Bank’s site.
  2. Complete the application, which includes providing your name, email address, social insurance number and birth date.
  3. Review and submit your application.

Compare other credit cards

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
RBC ION Visa
3,500 points
1.5 points per $1 spent
20.99%
$0
Min. recommended credit score: 660
Get 3,500 Avion points when you get approved for the card.
Neo Credit Mastercard
Get $25.00 + up to 15% cash back
Up to 5% cash back
19.99% - 29.99%
$0
Min. recommended credit score: 600
Get $25 when you sign up for the Neo Financial Mastercard. Plus, earn bonuses like 15% cashback on your first purchase at most partners, and earn an average of 5% cashback at partner stores and at least 1% cashback guaranteed.
Tangerine World Mastercard
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2024. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
American Express Cobalt Card
15,000 points
Up to 5x points per $1 spent
21.99%
$155.88
Min. recommended credit score: 700
Earn up to 15,000 Membership Rewards points in your first year. Earn 1,250 Membership Rewards points for each monthly billing period in which you spend $750 in purchases. That’s up to $150 towards a weekend getaway or concert tickets.
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
20.99%
$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 $2,500). Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances.
Tangerine Money-Back Credit Card
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2024. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
RBC Cash Back Mastercard
N/A
Up to 2% cash back
20.99%
$0
Min. recommended credit score: 650
RBC ION+ Visa
7,000 points
3 points per $1 spent
20.99%
$48
Min. recommended credit score: 660
Get up to 7,000 welcome points. Get 3,500 points on approval and earn 3,500 bonus points when you spend $500 in your first 3 months.
BMO eclipse rise Visa Card
25,000
Up to 5 points per $2 spent
20.99%
$0
Min. recommended credit score: 660
Earn up to 25,000 bonus points.
BMO Preferred Rate Mastercard
0.99% rate on balance transfers for 9 months
N/A
13.99%
$0 annual fee for the first year ($29 thereafter)
Min. recommended credit score: 660
Get a rate of 0.99% on balance transfers for 9 months with a 2% transfer fee. Plus, get the $29 annual fee waived in the first year.
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Bottom line

The National Bank Allure Mastercard is a charitable donations card that lets you earn points while you raise money for a worthy cause. It offers a chance to earn up to $120 cash back in your first year in addition to the points you’ll earn for purchases. You’ll also qualify for basic insurance like extended warranty coverage and purchase protection when you sign up.

National Bank Allure Mastercard FAQs

Frequently asked questions

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