Compare credit cards
Compare fees, rewards and benefits side by side, based on your spending.
| Swipe to compare → | ||
|---|---|---|
| Annual fee | $0 | $799 |
| Welcome bonus | — | Up to 100,000 points |
| Our valuation | $300 | $1,690 |
| Network | ||
| Issuer | Banque Nationale | American Express Canada |
| Program | BNC Rewards | Amex Membership Rewards |
| Point default value | 0.9¢/point | 1.7¢/point |
| Min. annual income | $80,000+ | $0 |
| Min. household income | $150,000+ | $0 |
| Additional card | $50 | $250 |
| First year free | ✓ | ✗ |
| Foreign transaction fee | 2.5% | 2.5% |
| Purchase interest rate | 20.99% | — |
| Purchase rate (Quebec) | 20.99% | — |
| Cash advance rate | 22.49% | — |
| Groceries | 5x | 1x |
| Restaurants | 5x | 2x |
| Food delivery | 1x | 2x |
| Gas | 2x | 1x |
| Local transit | 1x | 1x |
| Travel | 2x | 2x |
| Pharmacies | 1x | 1x |
| Convenience stores | 1x | 1x |
| Streaming | 1x | 1x |
| Telecom | 1x | 1x |
| Entertainment | 1x | 1x |
| Recurring payments | 2x | 1x |
| Online purchases | 1x | 1x |
| Office supplies | 1x | 1x |
| All purchases | 1x | 1x |
| Airport lounge access | DragonPassMembership onlyNational Bank Lounge (Montréal-Trudeau)Unlimited | American Express Global Lounge CollectionUnlimited (Unlimited access to Centurion, Sidecar, Escape (US), Plaza Premium, Priority Pass, Executive Lounges by Swissport (Canada) and additional partner lounges. The complimentary guest allowance depends on the program: 2 companions at Centurion Lounges, 1 companion at Plaza Premium and Priority Pass, spouse plus 2 children under 21 or 1 companion at Swissport, and NO complimentary guest at Delta Sky Club on the consumer card. Supplementary Gold Cards on a Platinum account get no access. Priority Pass membership must be enrolled separately. Present at each visit: valid Card, same-day boarding pass and government-issued photo ID. UPCOMING: Lufthansa lounge access ends October 1, 2026; effective January 1, 2027, Priority Pass and Plaza Premium move to 6 visits per calendar year (2 for supplementary Cardmembers), with unlimited access reserved for accounts reaching $20,000 in eligible spend per calendar year.) |
| Priority boarding | — | — |
| Wi-Fi access | — | — |
| NEXUS | ✗ | $100 |
| Concierge | — | ✓ |
| Travel credit | $150 | $200 |
| Dining credit | ✗ | $200 |
| Travel accident | ✓ | $500,000 |
| Travel medical | $5,000,000 | $5,000,000 |
| Trip cancellation | $2,500 | $2,500 |
| Trip interruption | $5,000 | $2,500 |
| Flight delay | $500 | $1,000 |
| Delayed baggage | $500 | $1,000 |
| Lost baggage | $1,000 | $1,000 |
| Car rental | $65,000 | $85,000 |
| Hotel burglary | — | $1,000 |
| Mobile device | $1,000 | — |
| Purchase protection | ✓ | ✓ |
| Extended warranty | ✓ | ✓ |
Swipe to compare · 1 of 2
| Annual fee | $0 | $799 |
| Welcome bonus | — | Up to 100,000 points |
| Our valuation | $300 | $1,690 |
| Network | ||
| Issuer | Banque Nationale | American Express Canada |
| Program | BNC Rewards | Amex Membership Rewards |
| Point default value | 0.9¢/point | 1.7¢/point |
| Min. annual income | $80,000+ | $0 |
| Min. household income | $150,000+ | $0 |
| Additional card | $50 | $250 |
| First year free | ✓ | ✗ |
| Foreign transaction fee | 2.5% | 2.5% |
| Purchase interest rate | 20.99% | — |
| Purchase rate (Quebec) | 20.99% | — |
| Cash advance rate | 22.49% | — |
| Groceries | 5x | 1x |
| Restaurants | 5x | 2x |
| Food delivery | 1x | 2x |
| Gas | 2x | 1x |
| Local transit | 1x | 1x |
| Travel | 2x | 2x |
| Pharmacies | 1x | 1x |
| Convenience stores | 1x | 1x |
| Streaming | 1x | 1x |
| Telecom | 1x | 1x |
| Entertainment | 1x | 1x |
| Recurring payments | 2x | 1x |
| Online purchases | 1x | 1x |
| Office supplies | 1x | 1x |
| All purchases | 1x | 1x |
| Airport lounge access | DragonPassMembership onlyNational Bank Lounge (Montréal-Trudeau)Unlimited | American Express Global Lounge CollectionUnlimited (Unlimited access to Centurion, Sidecar, Escape (US), Plaza Premium, Priority Pass, Executive Lounges by Swissport (Canada) and additional partner lounges. The complimentary guest allowance depends on the program: 2 companions at Centurion Lounges, 1 companion at Plaza Premium and Priority Pass, spouse plus 2 children under 21 or 1 companion at Swissport, and NO complimentary guest at Delta Sky Club on the consumer card. Supplementary Gold Cards on a Platinum account get no access. Priority Pass membership must be enrolled separately. Present at each visit: valid Card, same-day boarding pass and government-issued photo ID. UPCOMING: Lufthansa lounge access ends October 1, 2026; effective January 1, 2027, Priority Pass and Plaza Premium move to 6 visits per calendar year (2 for supplementary Cardmembers), with unlimited access reserved for accounts reaching $20,000 in eligible spend per calendar year.) |
| Priority boarding | — | — |
| Wi-Fi access | — | — |
| NEXUS | ✗ | $100 |
| Concierge | — | ✓ |
| Travel credit | $150 | $200 |
| Dining credit | ✗ | $200 |
| Travel accident | ✓ | $500,000 |
| Travel medical | $5,000,000 | $5,000,000 |
| Trip cancellation | $2,500 | $2,500 |
| Trip interruption | $5,000 | $2,500 |
| Flight delay | $500 | $1,000 |
| Delayed baggage | $500 | $1,000 |
| Lost baggage | $1,000 | $1,000 |
| Car rental | $65,000 | $85,000 |
| Hotel burglary | — | $1,000 |
| Mobile device | $1,000 | — |
| Purchase protection | ✓ | ✓ |
| Extended warranty | ✓ | ✓ |
| Learn more | Learn more | |