Rewards
Base earn rate1 point per $1 spent on other purchases
ProgramA la carte Rewards Plan
Welcome bonusMultiple tiered welcome bonus with conditions including payment insurance enrollment, minimum purchases, and optional current account opening
Rewards typepoints
Fees & rates
Annual fee$150
Purchase interest rate22.49%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Fraud protection
Included
⭐
Zero Liability
Included
⭐
Contactless payments with Apple Pay and Google Pay
Included
⭐
Enhanced security with Mastercard ID Check
Included
✈️
Free and unlimited access to the National Bank Lounge at Montreal-Trudeau Airport with a guest and two children aged 12 or under
Unlimited
💳
Up to $150 refund per year on travel expenses including airport parking, baggage fees, seat selection, airport lounge access worldwide, and airline ticket upgrades
$150/year
🎩
Medical, legal and general assistance
Included
⭐
Free Wi-Fi at National Bank Lounge
Included
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
purchase protection
up to 180 days following the purchase date
🛡️
extended warranty
Up to triple the manufacturer's warranty for up to 2 additional years
🛡️
trip cancellation
Up to $2,500 per person
🛡️
trip interruption
Up to $5,000 per person
🛡️
travel medical
Up to $5,000,000 per person
🛡️
flight delay
Up to $500 per person
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident