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National Bank Credit Cards: Fees, Rates and Rewards of Each Card

Updated

National Bank’s Mastercard credit cards include the World Elite, World and Platinum Mastercards in its À la carte Rewards Plan, the ECHO Cashback, mycredit and Allure Mastercards, and the Syncro Mastercard, a low-interest card.

What does each National Bank credit card cost and earn?

National Bank's credit cards, from our verified records
CardAnnual feeEarn rateMinimum incomePurchase rateForeign transaction fee
National Bank World Elite Mastercard$1505 À la carte points per $1 on groceries and restaurants (until the account's total purchases reach $2,500 in the month, then 2), 2 on gas, EV charging, recurring bills and À la carte Travel, 1 on everything else$80,000 personal or $150,000 household20.99%2.5%
National Bank World Mastercard$1151.25 À la carte Rewards points per $1 (2 on yearly spending from $20,001 to $30,000), plus 1.25 more per $1 through À la carte Travel$50,000 personal or $80,000 household20.99%2.5%
National Bank ECHO Cashback Mastercard$301.5% on groceries, gas and online purchases (on the first $25,000 a year), 1% on everything elseNo minimum income required20.99%2.5%
National Bank Platinum Mastercard$702 À la carte points per $1 on groceries and restaurants (1.5 once the account's purchases pass $1,000 in the month), 1.5 on gas, EV charging, recurring bills and À la carte Travel, 1 per $1.50 on everything elseNo minimum income required20.99%2.5%
National Bank mycredit Mastercard$01% cash back on restaurants and recurring pre-authorized payments, 0.5% on everything else (no cap)No minimum income required20.99%2.5%
National Bank Allure Mastercard$01 point per $2 on all purchases, paid each January as $10 cash back per 1,000 points (0.5%)None stated20.99%2.5%
National Bank MC1 Mastercard$0No rewardsNo minimum income required20.99%2.5%
National Bank Syncro Mastercard$35No rewardsNo minimum income requiredPrime + 4% (minimum 8.90%)2.5%

Each card’s fact sheet, linked from its name, has the full terms we checked.

How are National Bank’s rewards paid?

  • The World Elite, World and Platinum Mastercards earn points in the À la carte Rewards Plan; on the Platinum, points come off À la carte Travel bookings.
  • The ECHO Cashback and mycredit Mastercards apply their cash back to the card balance; it cannot be taken as cash.
  • The Allure Mastercard earns cash back through a cashback program whose points are worth a cent each, and is linked to the Quebec Breast Cancer Foundation.
  • The Syncro Mastercard is a low-interest card.

Does a National Bank package pay back the annual fee?

When you take a new eligible card, The Connected package gives you a one-time $30 cashback, and The Total package a one-time cashback of up to $150. The eligible cards are the Echo Cashback, Syncro, Platinum, World and World Elite Mastercards.

Open the bank account before the card account; the credit reaches your card statement within 90 days of activating the card, and additional cards get none.

Which National Bank card suits your spending?

Enter your monthly card spending to rank National Bank's cards by dollars back a year after fees.

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Split a box into the kinds of spending cards treat differently. A blank line uses the typical household's share of its box (Statistics Canada); an amount you type comes out of its box, so nothing is counted twice.

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Cents per point. Leave blank to use the choice above. A value you type is your assumption, not ours.

Filters

Ranked by dollars back a year after fees, for your spending. Welcome offers, benefits and promoted cards never change the order.

  1. 1

    National Bank World Elite Mastercard

    $706a year after fees
    • 85,609 points a year at 1¢ (any travel or portal)
    • Fees $150
    • 2.20% back on spending

    Welcome offerUp to 35,000 À la carte Rewards points.Ends Mar 31, 2027. Not part of the ranking; confirm on the issuer’s site.

    • Travel medical
    • Trip cancellation
    • Trip interruption
    • Flight delay
    • Baggage
    • Baggage
    • +6 more

    Facts checked Nov 12, 2026 · Card details

  2. 2

    National Bank World Mastercard

    $447a year after fees
    • 56,169 points a year at 1¢ (any travel or portal)
    • Fees $115
    • 1.44% back on spending
    • Travel medical
    • Trip cancellation
    • Trip interruption
    • Flight delay
    • Baggage
    • Baggage
    • +3 more

    Facts checked Nov 12, 2026 · Card details

  3. 3

    National Bank ECHO Cashback Mastercard

    $415a year after fees
    • $445 cash back a year
    • Fees $30
    • 1.14% back on spending
    • Purchase protection
    • Extended warranty

    Facts checked Nov 12, 2026 · Card details

  4. 4

    National Bank Platinum Mastercard

    $360a year after fees
    • 42,998 points a year at 1¢ (any travel or portal)
    • Fees $70
    • 1.10% back on spending
    • Travel medical
    • Trip cancellation
    • Trip interruption
    • Flight delay
    • Baggage
    • Baggage
    • +4 more

    Facts checked Nov 12, 2026 · Card details

  5. 5

    National Bank mycredit Mastercard

    $230a year after fees
    • $230 cash back a year
    • Fees $0
    • 0.59% back on spending
    • Mobile device
    • Purchase protection
    • Extended warranty

    Facts checked Nov 12, 2026 · Card details

  6. 6

    National Bank Allure Mastercard

    $195a year after fees
    • $195 cash back a year
    • Fees $0
    • 0.50% back on spending
    • Purchase protection
    • Extended warranty

    Facts checked Nov 12, 2026 · Card details

  7. 7

    National Bank MC1 Mastercard

    $0a year after fees
    • Fees $0
    • Purchase protection
    • Extended warranty

    Facts checked Nov 12, 2026 · Card details

  8. 8

    National Bank Syncro Mastercard

    -$35a year after fees
    • Fees $35
    • Purchase protection
    • Extended warranty

    Facts checked Nov 12, 2026 · Card details

How do National Bank cardholders manage their card?

National Bank offers free services through its online bank and the National Bank app, and you can make payments and check your balance online.

Compare National Bank's cards with all 162 cards we've checked, from 24 banks, in the card finder

Sources

The figures and rules on this page come from these sources. About CardNorth.