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National Bank Platinum Mastercard review

Get comprehensive benefits and flexible rewards when you spend money with the mid-level travel-focussed National Bank Platinum Mastercard.

Use your points to redeem for travel, merchandise, gift cards, banking products and more.

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N/A

Welcome Offer

$70

Annual Fee

1 point per $1 spend

Rewards

Details

Welcome OfferN/A
RewardsEarn 1 point per $1 spent on eligible purchases.
Purchase Interest Rate20.99%
Cash Advance Rate22.49%
Balance Transfer Rate22.49%
Interest Free Period Up to 21 days
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More Info

With the National Bank Platinum Mastercard you can get the following: Earn 1 point per $1 spent on eligible purchases.

Please note: National Bank’s platforms BNC.ca and NBC.ca are both undergoing scheduled maintenance from Saturday, Sept. 24th at 8am to Sunday Sept. 25th at 8pm. If you wish to sign up for one of their credit cards, please revisit their website on Monday, Sept. 26.

30-second take

  • Think about the National Bank Platinum Mastercard if you want to earn comprehensive benefits and flexible rewards.
  • Choose something else if you’d rather collect specific frequent flyer miles or you don’t want to pay an annual fee.
  • There are no minimum income requirements to qualify for this card.

The basics

Whether you’re a seasoned traveller or you’re booking your first flight overseas, you could save money on your next trip with the National Bank Platinum Mastercard.

  • Decent return. Earn one point for every dollar you spend on your card.
  • Purchase protection. Double your warranty coverage and protect the purchases you make on your credit card.
  • Travel insurance. Protect yourself and your trip with travel medical, trip interruption, trip cancellation, flight delay and baggage insurance.
Coverage typeAmount
Travel medicalUp to $5,000,000 per person (10 days only)
Trip cancellationUp to $1,250
Trip interruptionUp to $2,500
Flight delayUp to $500
Baggage delayUp to $500
Baggage insurance (theft or damage)Up to $1,000

The perks

  • Car rental insurance. Protect any car you rent with comprehensive insurance for up to 48 days.
  • Zero liability coverage. Rest easy with protection against fraudulent charges on your account.
  • Special travel agency. Save on travel when you redeem your points through National Bank‘s À La Carte online travel agency.
  • Flexible rewards. Use your points to redeem for travel, merchandise, gift cards, banking products and more.
  • No minimum income. You won’t have to make a minimum annual income to qualify for this card.

What to watch out for

  • Mid-level annual fee. The fee for this card is $70 per year.
  • High interest. You’ll pay 20.99% interest on outstanding balances on your card and 22.49% for cash advances.
  • Low points value. Your points won’t be worth as much as they are with other frequent flyer and travel rewards programs.
  • Limited travel medical. You’ll only be insured with travel medical for trips that are 10 days or less.

What should I know before I apply?

Eligibility requirements

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

  • Be a Canadian citizen or permanent resident who is at least 18 years old (19 in some provinces)

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 Platinum Mastercard

  1. Click the ‘Go to site’ button above or this secure link to be securely redirected to the online application.
  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 Cash Back Mastercard
N/A
Up to 2% cash back
19.99%
$0
Min. recommended credit score: 650
Get 2% cash back on grocery store purchases, and up to 1% cash back on all other qualifying purchases and pre-authorized payments.
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 World Mastercard
15% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 15% cash back (up to $150) when you spend $1,000 in the first 2 months Until September 30, 2022. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
RBC Avion Visa Infinite
55,000 points
Up to 1 point per $1 spent
19.99%
$120
Min. recommended credit score: 650
Get up to 55,000 Welcome Points. Get 35,000 points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months. Apply by October 31, 2022.
OFFER
Tangerine Money-Back Credit Card
15% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 15% cash back (up to $150) when you spend $1,000 in the first 2 months Until September 30, 2022. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
EXCLUSIVE
Neo Financial Mastercard
Get $25.00
Average 5% cash back
19.99% - 24.99%
$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 thousands of partners and at least 0.5% cashback guaranteed.
BMO Preferred Rate Mastercard
0.99% rate on balance transfers for 9 months
N/A
12.99%
$0 annual fee for the first year ($20 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 $20 annual fee waived in the first year.
RBC ION+ Visa
12,000 points
3 points per $1 spent
19.99%
$48
Min. recommended credit score: 660
Earn 12,000 Avion points when you get approved for the card. Apply by November 30, 2022.
RBC ION Visa
6,000 points
1.5 points per $1 spent
19.99%
$0
Min. recommended credit score: 660
Earn 6,000 Avion points when you get approved for the card. Apply by November 30, 2022.
American Express Cobalt Card
30,000 points
Up to 5x points per $1 spent
20.99%
$155.88
Min. recommended credit score: 700
Earn up to 30,000 Membership Rewards points in your first year. Earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 in net purchases on your card (up to 30,000 points). That’s up to $300 towards a weekend getaway or concert tickets.
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Bottom line

The National Bank Platinum Mastercard is a mid-level travel rewards card that lets you earn flexible points and cash back. You’ll also get comprehensive travel benefits and other perks like car rental insurance and purchase protection when you sign up.

Frequently asked questions about the National Bank Platinum Mastercard

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