Exclusive
National Bank World Elite Mastercard
Annual feeNo annual fee the first year
$0 $150
Our valuationMilesopedia first-year estimate First-year valueAnnual fee rebated$150Annual credit$150Total$300Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$300
Welcome offer$150 annual fee rebated
First Year Annual Fee Rebate
Ends Nov 4, 2026
Apply Now

on National Bank's website

Features
Network
Loyalty Program
NBC Rewards
Fees and terms
Annual Fee
$150/yr
Additional card
$50
Min. annual income
$80,000+
Household income
$150,000+
Interest rates
Purchases
20.99 %
Cash advance
22.49 %
Balance transfer
22.49 %
Foreign transaction fee
2.5 %

Issuer terms

By clicking on the Subscribe button, you will be redirected directly to the National Bank credit card application form. Make sure you have the following information on hand: contact details, employment status, income and valid ID.

Terms and Conditions – Milesopedia Exclusive Promotion – World Elite Card

Welcome promotion period: June 30 to November 4, 2026.

Eligibility requirements:

  • Sign up for a National Bank® World Elite® Mastercard® credit card during the promotion period via the redirection link provided on the Milesopedia network websites during the promotion as a primary cardholder, as the primary cardholder.
  • Must not have held any National Bank personal Mastercard credit cards in the last 24 months as the primary cardholder.
  • Keep the credit card account open and in good standing until the annual fee is refunded. To be considered in good standing, you must comply with the terms of the Credit Card Agreement, such as paying all fees and minimum payments on time.
  • Must not be employed by us or any entity in our group.

Promotion description:

  • Refund of the first-year annual fee for the primary cardholder. We will charge this annual fee to your new card account and then refund it. You will receive this refund within five months of opening your account, provided your account is still open and in good standing. It will appear on your statement as a credit.
  • Annual fees for authorized users’ cards are not eligible for this promotion.

Other conditions:

  • You can only benefit from the promotion once.
  • The card is issued subject to National Bank’s credit approval. Other conditions apply to the issuance of the card.
  • This promotion cannot be combined with any other promotion or offer applicable to National Bank credit cards and is not retroactive.
  • This promotion may be changed or withdrawn without notice.

Card benefits

  • Annual travel credit ($150)
  • Access to the National Bank Lounge
  • Access to more than 1,300 airport lounges worldwide
  • Comprehensive travel insurance for trips of up to 60 days
  • Emergency medical and hospital insurance outside your province of residence
  • Trip cancellation and trip interruption insurance
  • Lost or stolen baggage insurance
  • Car rental insurance
  • Coverage for accidental damage, loss, or theft of mobile devices
  • Extended warranty coverage on purchases
  • Extended manufacturer’s warranty on purchases
  • Medical, general, and legal assistance
  • Enhanced security with Mastercard® ID Check™
  • Discounts on monthly fees for The Total and The Connected banking packages
  • Redeem points through the travel agency of your choice
  • Up to 5 points per dollar spent*
Read full review
Rewards
Rate
Restaurants
5x
Groceries
5x
Gas & EV
2x
Bills & recurring payments
2x
Travel
2x
Benefits
Airport lounges
$400
Annual credit
Included
Travel insurance
Coverage
Travel medical (under 55)
$5,000,000 · 60 days
Travel medical (55-64)
$5,000,000 · 31 days
Travel medical (65+)
$5,000,000 · 15 days
Trip Cancellation
$2,500
Trip Interruption
$5,000
Delayed Baggage
$500
Lost Baggage
$1,000
Flight Delay
$500
Travel Accident
✓
Purchase protection
Coverage
Purchase Protection
180 days
Extended Warranty
+2 years
Mobile Device
$1,000 · 2 years
Auto Rental Collision
$65,000 · 48 days
Read full review

Awards won by this card

  • 2026 Awards Best Credit Card for Travel
  • 2026 Awards Best Mastercard Credit Card

Pros

  • First Year Annual Fee Rebate
  • 5x on groceries
  • 5x at restaurants

Cons

  • No welcome bonus
  • Requires good credit

With Milesopedia, take advantage of an exclusive offer: your first-year annual fees are refunded with the National Bank World Elite Mastercard. This offer is exclusively available on the Milesopedia network, from June 30 to November 4, 2026.

  • Refund of the first-year annual fee (a $150 value) for the primary cardholder. This fee is charged to your new card account, then refunded as a credit on your statement within five months of opening your account, provided it remains open and in good standing.

The National Bank World Elite Mastercard is the best Mastercard credit card offered by NBC.

With this card, you earn up to 5 points per dollar on your purchases…

Read full review
National Bank World Mastercard
Annual fee
$115
Welcome offer
No current welcome offer
Apply Now

on National Bank's website

Features
Network
Loyalty Program
NBC Rewards
Fees and terms
Annual Fee
$115/yr
Additional card
$35
Min. annual income
$50,000+
Household income
$80,000+
Interest rates
Purchases
20.99 %
Cash advance
22.49 %
Balance transfer
22.49 %
Foreign transaction fee
2.5 %

Issuer terms

  • Earn up to 2 points per dollar spent
  • Comprehensive travel insurance for trips of up to 60 days
  • Out-of-province hospital medical insurance, trip interruption insurance, trip cancellation insurance, flight delay insurance, baggage delay insurance, stolen or lost baggage insurance
  • Car rental insurance
  • Access to more than 1,300 airport lounges worldwide
  • Coverage for accidental damage, loss, or theft of mobile devices
  • Medical, general and legal assistance
  • Purchase insurance against theft or damage
  • Extended warranty coverage on purchases
  • Extended manufacturer’s warranty on purchases
  • Enhanced security with Mastercard® ID Check™
  • Discounts on monthly fees for The Total and The Connected banking packages
  • Redeem points through the travel agency of your choice
Read full review
Travel insurance
Coverage
Travel medical (under 55)
$5,000,000 · 60 days
Travel medical (55-64)
$5,000,000 · 31 days
Travel medical (65+)
$5,000,000 · 15 days
Trip Cancellation
$2,500
Trip Interruption
$5,000
Delayed Baggage
$500
Lost Baggage
$1,000
Flight Delay
$500
Purchase protection
Coverage
Purchase Protection
180 days
Extended Warranty
+2 years
Auto Rental Collision
$65,000 · 48 days
Read full review

Pros

  • Simple and straightforward

Cons

  • No welcome bonus
  • Requires good credit

Don’t have the minimum income required by National Bank World Elite Mastercard? Then National Bank World® Mastercard® may be a good option for you. This requires a $50,000 individual income (or $80,000 household income).

You can earn up to 2 points per dollar on your purchases. And since it’s a Mastercard credit card, you can use it at Costco.

In addition, you can enjoy access to LoungeKey airport lounges.

And you’ll enjoy up to 60 days’ coverage with its travel, trip cancellation/interruption, baggage loss and car rental insurance.

Read full review
National Bank Platinum Mastercard
Annual feeNo annual fee the first year
$0 $70
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$360Annual fee rebated$70Total$430Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$430
Welcome offerAfter $12,500 in 12 months
40,000 points
Ends Nov 4, 2026
Apply Now

on National Bank's website

Features
Network
Loyalty Program
NBC Rewards
Fees and terms
Annual Fee
$70/yr
Additional card
$35
Min. annual income
—
Household income
$0+
Interest rates
Purchases
20.99 %
Cash advance
22.49 %
Balance transfer
22.49 %
Foreign transaction fee
2.5 %

Issuer terms

Earn up to 40,000 reward points upon enrollment, and the annual fee will be refunded for the first year for the primary cardholder of a National Bank® Platinum Mastercard®.

  • 10,000 reward points when you sign up for credit card payment insurance* for at least the first 3 months
  • 15,000 reward points when you make $2,500 in purchases within the first 3 months**
  • 15,000 reward points when you make $10,000 in purchases within the first 12 months**
  • The $70 annual fee will be refunded for the first year for the primary cardholder

Card benefits

  • Mobile device insurance
  • Coverage for accidental damage, loss, or theft of mobile devices
  • Extended warranty coverage on purchases
  • Extended manufacturer’s warranty on purchases
  • Comprehensive travel insurance for trips of 10 days or less
  • Emergency medical and hospital insurance outside your province of residence
  • Trip cancellation and trip interruption insurance
  • Lost or stolen baggage insurance
  • Car rental insurance
  • Medical, general, and legal assistance
  • Enhanced security with Mastercard® ID Check™
  • Discounts on monthly fees for The Total and The Connected banking packages
  • Redeem points through the travel agency of your choice
  • Up to 2 points per dollar spent*
Read full review
Rewards
Rate
Groceries
2x
Restaurants
2x
Bills & recurring payments
1.5x
Gas & EV
1.5x
Travel
1.5x
Travel insurance
Coverage
Travel medical (under 55)
$5,000,000 · 10 days
Travel medical (55-64)
$5,000,000 · 10 days
Travel medical (65+)
$5,000,000 · 10 days
Trip Cancellation
$1,000
Trip Interruption
$1,500
Delayed Baggage
$500
Lost Baggage
$1,000
Flight Delay
$500
Purchase protection
Coverage
Purchase Protection
180 days
Extended Warranty
+2 years
Mobile Device
$1,000 · 2 years
Auto Rental Collision (primary)
$65,000 · 48 days
Read full review

Awards won by this card

  • 2026 Awards Best Credit Card for Young Professionals

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of 40,000 points
  • 2x on groceries
  • 2x at restaurants

Cons

  • Fewer premium perks

The National Bank Platinum Mastercard® lets you earn up to 40,000 reward points, plus a refund of the $70 annual fee for the first year for the primary cardholder:

  • 10,000 points when you sign up for credit card payment insurance and keep it for at least the first 3 months
  • 15,000 points after $2,500 in purchases within the first 3 months
  • 15,000 points after $10,000 in purchases within the first 12 months

You have until November 4, 2026 to apply.

After that, you earn…

Read full review
National Bank mycredit Mastercard
Annual fee
$0
Welcome offer
No current welcome offer
Apply Now

on National Bank's website

Features
Network
Loyalty Program
Cash Back
Fees and terms
Annual Fee
$0
Additional card
$0
Min. annual income
—
Household income
$0+
Interest rates
Purchases
20.99 %
Cash advance
22.49 %
Balance transfer
22.49 %
Foreign transaction fee
2.5 %

Issuer terms

  • 1% cash back on restaurant transactions and recurring direct debits
  • 0.5% cash back on other eligible purchases
  • Up to 1% back per dollar spent
  • Mobile device insurance: your new mobile devices, purchased with your card or by direct debit from your mycredit account, are protected against theft or damage for up to 2 years.
  • Purchase protection
  • Extended warranty coverage on your purchases
  • Fraud protection
  • Secure online shopping
  • No annual fee
Read full review
Rewards
Rate
Restaurants
1x
Bills & recurring payments
1x
Telecom
1x
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Mobile Device
$1,000 · 2 years
Read full review

Pros

  • No annual fee

Cons

  • No welcome bonus

With NBC mycredit Mastercard, you get:

  • 1% cash back on restaurant purchases and recurring pre-authorized debits
  • 0.5% cash back on all other purchases

And since it’s a Mastercard credit card, you can use it at Costco.

Cash back is automatically applied to your credit card account balance when each monthly statement is issued…

Read full review
National Bank Syncro Mastercard
Annual fee
$35
Welcome offer
No current welcome offer
Apply Now

on National Bank's website

Features
Network
Loyalty Program
Cash Back
Fees and terms
Annual Fee
$35/yr
Additional card
$0
Min. annual income
—
Household income
$0+
Interest rates
Purchases
8.9 %
Cash advance
12.9 %
Balance transfer
12.9 %
Foreign transaction fee
2.5 %

Issuer terms

  • Low interest rate: 8.9% on purchases, 12.9% on cash advances and balance transfers
  • Purchase protection
  • Extended warranty
  • Contactless payments
  • Secure online shopping
  • Fraud protection
  • Mastercard® Zero Liability protection
Read full review
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Read full review

Pros

  • Simple and straightforward

Cons

  • No welcome bonus
  • Modest reward rates

The National Bank Syncro Mastercard is a low-interest credit card from National Bank. It offers an interest rate of 8.90% for purchases and 12.90% for cash advances and balance transfers.

Since it’s a Mastercard credit card, you can use National Bank Syncro Mastercard at Costco. Finally, it offers you insurance for your purchases.

Read full review
National Bank ECHO Cashback Mastercard
Annual fee
$30
Welcome offer
No current welcome offer
Apply Now

on National Bank's website

Features
Network
Loyalty Program
Cash Back
Fees and terms
Annual Fee
$30/yr
Additional card
$0
Min. annual income
—
Household income
$0+
Interest rates
Purchases
20.99 %
Cash advance
22.49 %
Balance transfer
22.49 %
Foreign transaction fee
2.5 %

Issuer terms

  • Get up to 1.5% cash back on your eligible purchases (gas, groceries, and online shopping)
  • Get unlimited 1% cash back on all other eligible purchases
  • Earn a minimum of $25 cash back and access your account online to apply it to your credit card statement
  • Purchase protection for up to 90 days against theft or damage
  • Extended warranty: double the manufacturer’s warranty period, up to an additional 1 year
  • Contactless payments
Read full review
Rewards
Rate
Gas & EV
1.5x
Groceries
1.5x
Online purchases
1.5x
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Read full review

Pros

  • Simple and straightforward

Cons

  • No welcome bonus

The National Bank ECHO® Cashback Mastercard® is a cash back credit card that rewards your everyday spending. You get up to 1.5% cash back on your eligible gas, grocery and online purchases, and unlimited 1% cash back on all other eligible purchases.

Once you have accumulated a minimum of $25 in cash back, you can apply it to your credit card account. The card also includes purchase protection against theft or damage and an extended warranty. The annual fee is $30.

The annual interest rate is 20.99% on purchases and 22.49% on cash advances. A 2.5% conversion fee applies to foreign currency transactions.

Read full review
National Bank MC1 Mastercard
Annual fee
$0
Welcome offer
No current welcome offer
Apply Now

on National Bank's website

Features
Network
Loyalty Program
Cash Back
Fees and terms
Annual Fee
$0
Additional card
$0
Min. annual income
—
Household income
$0+
Interest rates
Purchases
20.99 %
Cash advance
22.49 %
Balance transfer
22.49 %
Foreign transaction fee
2.5 %

Issuer terms

  • No annual fee
  • No minimum income required
  • A good first step in building your credit
  • Minimum credit limit of $500
  • Take advantage of a simple, efficient and convenient payment solution.
  • Access funds from anywhere in the world.
  • Purchase protection
  • Extended warranty
  • Contactless payments
  • Fraud protection
  • Free yourself from liability for unauthorized purchases, thanks to the Mastercard® Zero Liability program.
Read full review
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Read full review

Pros

  • No annual fee

Cons

  • No welcome bonus
  • Modest reward rates

The National Bank MC1 Mastercard is a no-annual-fee credit card, designed as a simple, convenient everyday payment solution. It gives you access to your funds anywhere in the world where Mastercard is accepted.

The card includes a purchase insurance program to protect your purchases and the Mastercard Zero Liability program, which frees you from liability for unauthorized purchases. It does not include a rewards program.

The annual interest rate is 20.99% on purchases and 22.49% on cash advances. A 2.5% foreign transaction fee applies to purchases made in a foreign currency.

Read full review
National Bank Allure Mastercard
Annual fee
$0
Welcome offer
No current welcome offer
Apply Now

on National Bank's website

Features
Network
Loyalty Program
Cash Back
Fees and terms
Annual Fee
$0
Additional card
$0
Min. annual income
—
Household income
$0+
Interest rates
Purchases
20.99 %
Cash advance
22.49 %
Balance transfer
22.49 %
Foreign transaction fee
2.5 %

Issuer terms

  • Your cause, your card. Designed for women, the Allure card lets you support the Breast Cancer Foundation of Quebec.
  • One of the only cards in Canada associated with a cause
  • Easily earn 1 point for every $2 in purchases and receive $10 cash back for every 1,000 points earned.
  • Take advantage of 10% discounts from fashion and health partners.
  • Discounts on select gift card purchases
  • Purchase protection
  • Extended warranty
  • Secure online shopping
  • Fraud protection
  • No annual fee
Read full review
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Read full review

Pros

  • No annual fee

Cons

  • No welcome bonus
  • Modest reward rates

Support the Breast Cancer Foundation’s cause at Quebec by becoming a National Bank Allure Mastercard cardholder with this exclusive offer!

For every $2 in purchases charged to your National Bank Allure Mastercard account, you earn 1 point. Once a year, in January, you will receive a $10 cashback for every 1,000 points earned.

And for every $10 you spend with your card, National Bank of Canada donates 10 cents to the Quebec Breast Cancer Foundation! It can be as much as $750,000 per year for all cardholders!

For example, if you charge $1,000/month to your card, National Bank will donate $10/month to the foundation, or $120/year. And since it’s an NBC mycredit Mastercard, you can use it at Costco.

Read full review

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.

FAQ

Frequently Asked Questions

What 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.

Do 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.