Pros
- ✓Purchase protection included
- ✓Travel medical insurance included
Cons
- ✗Foreign Transaction Fee (2.5%)
- ✗No airport lounge access despite fee
Our Review
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.
Rewards
All Spending
1.25x
NBC Rewards pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
27,900
NBC Rewards/yr
Estimated Value
$251
After Fees
+$136
1st Year Value
$136
incl. welcome bonus
Annual rewards breakdown
Travel Insurance
Travel Medical
Up to $5,000,000 / 60 days
Trip Cancellation
Up to $2,500
Trip Interruption
Up to $5,000
Delayed Baggage
Up to $500
Lost Baggage
Up to $1,000
Flight Delay
Up to $500
Purchase Protection
Purchase Protection
Included
Extended Warranty
+2 year(s)
Auto Rental
Up to $65,000 / 48 days
Interest Rates
- Purchase Rate20.99%
- Cash Advance22.49%
- Foreign Transaction Fee2.5%
Eligibility
Personal Income
$50,000
Household Income
$80,000
Terms & Conditions
Card Features
- Earn up to 2 points per dollar spent
- Benefit from a complete travel insurance
- Out-of-Province Hospital Medical Insurance, Trip Interruption Insurance, Trip Cancellation Insurance, Flight Delay Insurance, Baggage Delay Insurance, Stolen or Lost Baggage Insurance
- Medical, general and legal assistance
- Purchase insurance against theft or damage
- Extended warranty
Legal
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.