https://cardnorth.ca/credit-cards/national-bank/Recent content in National Bank Credit Cards: Fees, Rates and Rewards of Each Card on CardNorthHugo -- gohugo.ioen-caThu, 12 Nov 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/national-bank/national-bank-mc1-mastercard/Fri, 12 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/national-bank/national-bank-mc1-mastercard/What the insurance covers Purchase protection and extended warranty cover items paid for entirely with the card. The extended warranty doubles a manufacturer’s warranty valid in Canada, by at most 1 extra year, and a warranty longer than 5 years has to be registered with the insurer. The $60,000 maximum covers both benefits together for as long as the account is open. A theft has to be reported to the police right away.https://cardnorth.ca/credit-cards/national-bank/national-bank-allure-mastercard/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/national-bank/national-bank-allure-mastercard/How the cash back is paid The card earns points, and once a year, in January, each 1,000 points becomes a $10 credit on your card account. The credit is based on the points on your December statement. Points left over after the full blocks of 1,000 stay in your account. Points cannot be exchanged for cash, and the credit doesn’t replace your minimum payment. Your account must be in good standing to receive it.https://cardnorth.ca/credit-cards/national-bank/national-bank-echo-cashback-mastercard/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/national-bank/national-bank-echo-cashback-mastercard/How cash back is paid Cash back isn’t paid on a schedule: the primary cardholder can request it at any time through National Bank’s online and mobile banking. Only the primary cardholder can make a request. Each request must be $10 or more, and cents stay in the account until a later request. The amount reduces the card balance on a statement after the request, depending on the billing cycle, and can’t be claimed as cash.https://cardnorth.ca/credit-cards/national-bank/national-bank-mycredit-mastercard/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/national-bank/national-bank-mycredit-mastercard/How the cash back is paid National Bank works out the cash back each billing cycle and applies it automatically to the card balance as soon as it becomes due. It can only go to the balance and can’t be claimed as cash. It lowers the balance but not the minimum payment, which stays due. Purchases on additional cards earn too, and their cash back goes to the primary cardholder’s account.https://cardnorth.ca/credit-cards/national-bank/national-bank-platinum-mastercard/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/national-bank/national-bank-platinum-mastercard/How the monthly threshold works Grocery and restaurant purchases earn 2 points for every dollar until the account’s gross purchases reach $1,000 in the month, and 1.5 points per dollar after that. The $1,000 counts the total charged to the account whatever the purchase category, and it is measured over your monthly billing period. Restaurants include fast food restaurants, bars, nightclubs and pubs, and meal delivery and ready-to-eat meal services are eligible in the grocery category.https://cardnorth.ca/credit-cards/national-bank/national-bank-syncro-mastercard/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/national-bank/national-bank-syncro-mastercard/How the variable rate is set The rate is National Bank’s variable prime rate plus a fixed adjustment of 4% on purchases and 8% on balance transfers and cash advances. Prime is the rate National Bank posts from time to time, published on nbc.ca, so the card’s rate moves when National Bank changes it. The annual rate won’t be less than 8.9% on purchases and 12.9% on balance transfers and cash advances, whatever prime is.https://cardnorth.ca/credit-cards/national-bank/national-bank-world-elite-mastercard/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/national-bank/national-bank-world-elite-mastercard/What counts toward the monthly threshold The grocery and restaurant rate depends on the account’s total gross purchases in the month, whatever the category. Once $2,500 in gross monthly purchases is charged to the account, grocery and restaurant purchases drop from 5 to 2 points per dollar. The month is your monthly billing period. Grocery purchases at pharmacies, retail stores and big-box stores don’t earn the bonus. Cash advances, balance transfers, interest and returns earn no points.https://cardnorth.ca/credit-cards/national-bank/national-bank-world-mastercard/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/national-bank/national-bank-world-mastercard/How the spending bands work National Bank counts your net spending in 12-month periods measured from the day the account opens. Spending up to $20,000 earns 1.25 points a dollar, the band from $20,001 to $30,000 earns 2, and from $30,001 the rate drops back to 1.25. Bookings made with the À la carte Travel agency get an extra 1.25 points a dollar on top of the band rate. Redeeming points Travel booked through the À la carte Travel agency costs 10,000 points per $100.