Pros
- ✓Purchase protection included
Cons
- ✗Foreign Transaction Fee (2.5%)
Our Review
*
Rewards
All Spending
1x
Cash Back pts per dollar
Gas
1.5x
Groceries
1.5x
Entertainment
1.5x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$292
$/yr
Estimated Value
$292
After Fees
+$262
1st Year Value
$262
incl. welcome bonus
Annual rewards breakdown
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Interest Rates
- Purchase Rate20.99%
- Cash Advance22.49%
- Foreign Transaction Fee2.5%
Terms & Conditions
Card Features
- 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 insurance against theft or damage
- Extended warranty
Legal
Cash back details
All eligible purchases earn 1% cash back as long as your account is in good standing. Your account is in good standing when you meet the obligations of your credit card agreement (e.g. make the minimum payment by the due date). The cashback will be paid as a credit applied to your account and cannot be paid in cash. An additional 0.5% cash back is awarded on the first $25,000 in eligible online, gas, and grocery purchases charged annually to your credit card account. The additional 0.5% cash back does not apply when the balance of eligible annual purchases exceeds $25,000. Beyond this amount, the cash back is 1% on all types of eligible purchases. For conditions and restrictions applying to cash back and for the detailed list of codes associated with participating merchants, consult the Accumulation Grid [PDF] and the Applicable Rules [PDF].
Credit terms
Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.
Minimum payment: If your account balance is lower than $10, you must pay the entire balance.
If you reside in the province of Quebec, your minimum payment is the greater of 5% of your account balance, plus any overdue amounts, or $10.
If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.
Account statement: A statement is sent monthly.
Example of credit charges over a 30-day period
| Annual interest rate | Average balance | |
| $500 | $3,000 | |
| 22.49% (regular card) | $9.24 | $55.45 |
| 20.99% (regular card) | $8.63 | $51.76 |
| 12.90% (Syncro card) | $5.30 | $31.81 |
| 8.90% (Syncro card) | $3.66 | $21.95 |
*Variable interest rate in effect on September 1, 2021.
Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Banque Nationale. All trademarks are property of their respective owners.