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National Bank Syncro Mastercard

Get a low interest rate on your everyday purchases with the low-fee National Bank Syncro Mastercard.

You’ll pay a rate of 4% plus prime for outstanding balances, with a minimum rate of 8.90%
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N/A

Welcome Offer

$35

Annual Fee

N/A

Rewards

Details

Welcome OfferN/A
RewardsN/A
Purchase Interest Rate8.90% or prime + 4.00%
Cash Advance Rate12.90% or prime + 8.00%
Balance Transfer Rate12.9%
Interest Free Period Up to 21 days
Apply now
More Info

The National Bank Syncro Mastercard offers a low interest rate on outstanding balances.

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 Syncro Mastercard if you want a low interest rate or an affordable annual fee.
  • Choose something else if you’d rather collect points or you want comprehensive benefits.
  • There are no minimum annual income requirements to qualify.

The basics

If you regularly carry a balance on your credit card, then you might like to check out the low-interest National Bank Syncro Mastercard. This card doesn’t let you earn points or cash back on your purchases, but it lets you save money on interest payments throughout the year. It also comes with a low annual fee of $35.

You’ll also get basic insurance like purchase protection and extended warranty coverage when you sign up.

Infobox: What interest rates will I pay?

The main selling point of this card is that it offers relatively low interest rates compared to a typical credit card. You’ll pay different interest rates based on what type of transactions you’re covering.

  • Outstanding balances. You’ll pay a rate of 4% plus prime for outstanding balances, with a minimum rate of 8.90%
  • Cash advances and balance transfers. You’ll owe 8% plus prime for cash advances and balance transfers, with a minimum rate of 12.90%.

The perks

  • Anti-fraud protection. Protect against fraudulent purchases on your account with zero-liability insurance.
  • Tap-and-go payments. Make easy payments on the go with Mastercard contactless payment.
  • Extra online security. Verify your ID online to make online purchases for extra security with Mastercard ID check.
  • Exclusive deals. Enjoy special upgrades and other exclusive experiences with National Bank‘s Priceless Cities program.
  • Low minimum credit limit. Get a credit limit as low as $500 to manage how much money you spend on your card each month.
  • No income requirements. You won’t need to make a certain amount of money each year to qualify.
  • Extra cards for free. Grab up to 3 extra cards for no added fee.

What to watch out for

  • Annual fee. You’ll have to pay an annual fee of $35 for this card.
  • 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 complimentary travel or health insurance coverage with this card.

What should I know before I apply?

Eligibility requirements

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

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

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 Syncro Mastercard

  1. Click the ‘Go to site’ button above or use 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 Syncro Mastercard offers low interest rates and the chance to earn bonus cash back in your first year. You’ll also get a handful of benefits like purchase protection and extended warranty coverage when you sign up. The biggest downside of this card is that you won’t earn any points or cash back for making daily purchases.

Frequently asked questions about the National Bank Syncro Mastercard

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