Ratesopedia
Best for: Overall value
National Bank World Elite Mastercard
National Bank World Elite Mastercard
BNCMastercardNBC Rewards
4.2Ratesopedia rating

It comes with a welcome bonus of 50,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $872.

Best of Month

Annual Fee

$150

Rewards rate

1x

NBC Rewards

Welcome Bonus

50,000 points

1st Year Value

$872

Pros

  • Welcome bonus of 50,000 points
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $872

Cons

  • Requires good credit
Best for: Overall value
National Bank World Mastercard
National Bank World Mastercard
BNCMastercardNBC Rewards
3.0Ratesopedia rating

You earn 1.25x on groceries and 1.25x at restaurants. Estimated first-year value is $136.

Annual Fee

$115

Rewards rate

1.25x

NBC Rewards

Welcome Bonus

1st Year Value

$136

Pros

  • Simple and straightforward

Cons

  • No welcome bonus
  • Requires good credit
Best for: 1st Yr Fee Rebate
National Bank Platinum Mastercard
National Bank Platinum Mastercard
BNCMastercardNBC Rewards
3.8Ratesopedia rating

The National Bank Platinum Mastercard offers a first year annual fee rebate (regular fee $70/yr). You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $317.

Best of Month1st Yr Fee Rebate

Annual Fee

$70 $0

Rewards rate

0.67x

NBC Rewards

Welcome Bonus

1st Year Value

$317

Pros

  • First Year Annual Fee Rebate
  • 2x on groceries
  • 2x at restaurants
  • Estimated 1st-year value of $317

Cons

  • No welcome bonus
Best for: No annual fee
National Bank mycredit Mastercard
National Bank mycredit Mastercard
BNCMastercardCash Back
3.3Ratesopedia rating

The National Bank mycredit Mastercard has no annual fee, making it risk-free to hold. You earn 0.5x on groceries and 1x at restaurants. Estimated first-year value is $175.

Annual Fee

$0

Rewards rate

0.5x

Cash Back

Welcome Bonus

1st Year Value

$175

Pros

  • No annual fee

Cons

  • No welcome bonus
Best for: Overall value
National Bank Syncro Mastercard
National Bank Syncro Mastercard
BNCMastercardCash Back
3.0Ratesopedia rating

You earn 0x on groceries and 0x at restaurants. Estimated first-year value is $-35.

Annual Fee

$35

Rewards rate

0x

Cash Back

Welcome Bonus

1st Year Value

$-35

Pros

  • Simple and straightforward

Cons

  • No welcome bonus
  • Modest reward rates
Best for: Overall value
National Bank ECHO Cashback Mastercard
National Bank ECHO Cashback Mastercard
BNCMastercardCash Back
3.7Ratesopedia rating

You earn 1.5x on groceries and 1x at restaurants. Estimated first-year value is $262.

Annual Fee

$30

Rewards rate

1x

Cash Back

Welcome Bonus

1st Year Value

$262

Pros

  • Simple and straightforward

Cons

  • No welcome bonus
Best for: No annual fee
National Bank MC1 Mastercard
National Bank MC1 Mastercard
BNCMastercardCash Back
3.3Ratesopedia rating

The National Bank MC1 Mastercard has no annual fee, making it risk-free to hold. You earn 0x on groceries and 0x at restaurants.

Annual Fee

$0

Rewards rate

0x

Cash Back

Welcome Bonus

1st Year Value

Pros

  • No annual fee

Cons

  • No welcome bonus
  • Modest reward rates
Best for: No annual fee
National Bank Allure Mastercard
National Bank Allure Mastercard
BNCMastercardCash Back
3.3Ratesopedia rating

The National Bank Allure Mastercard has no annual fee, making it risk-free to hold. You earn 0.5x on groceries and 0.5x at restaurants. Estimated first-year value is $112.

Annual Fee

$0

Rewards rate

0.5x

Cash Back

Welcome Bonus

1st Year Value

$112

Pros

  • No annual fee

Cons

  • No welcome bonus
  • Modest reward rates

Complete Guide

Best National Bank Credit Cards in Canada

Compare all National Bank credit cards. Syncro, Allure, World Elite, and Echo cards reviewed.

National Bank Credit Card Lineup

National Bank of Canada offers 8 credit cards with a focus on the Syncro program, cash back, and World Elite benefits. As Quebec’s largest bank, their cards are popular across the province and increasingly competitive nationwide.

Syncro & Allure Programs

The Syncro cards earn National Bank points redeemable for travel, merchandise, and cash back. The Allure Mastercard World Elite is their premium offering with comprehensive travel insurance and high earn rates.

8

Cards analyzed

Jun 2026

Last updated

100%

Independent

Methodology

Our team evaluates credit cards based on overall consumer value: rewards earning rates, annual fees, welcome bonuses, insurance coverage, and additional perks. Cards are ranked by estimated first-year value. We update our picks monthly.

📊Real data
🔄Updated regularly
⚖️Unbiased review
🎯Transparent criteria

FAQ

Frequently Asked Questions

1What is the best National Bank credit card?

The National Bank Allure Mastercard World Elite is their top pick for travel rewards. For everyday cash back, the National Bank Syncro cards offer solid returns.

2Do National Bank cards work outside Quebec?

Yes. National Bank credit cards are available to Canadians across the country and work anywhere Mastercard is accepted.

Next step

Find your perfect card

Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.