Best National Bank Credit Cards in Canada - September 2026

With Milesopedia, take advantage of an exclusive offer: your first-year annual fees are refunded with the National Bank World Elite Mastercard. This offer is exclusively available on the Milesopedia network, from June 30 to November 4, 2026.

• Refund of the first-year annual fee (a $150 value) for the primary cardholder. This fee is charged to your new card account, then refunded as a credit on your statement within five months of opening your account, provided it remains open and in good standing.

The National Bank World Elite Mastercard is the best Mastercard credit card offered by NBC.

With this card, you earn up to 5 points per dollar on your purchases:

• 5 points per dollar for groceries and restaurants
• 2 points per dollar on gas and electric recharge purchases
• 2 points per dollar on recurring bills
• 2 points per dollar on À la carte Travel
• 1 point per dollar for all other purchases

And since it’s an NBC mycredit Mastercard, you can use it at Costco.

With this card, you have access to a $150 annual travel credit that you can use in any of these categories:

• Airport parking
• Baggage fees
• Seat selection
• Access to airport lounges
• Airline ticket upgrades

What’s more, you can enjoy access to DragonPass airport lounges and unlimited access to the National Bank Lounge at Montreal-Trudeau.

Finally, Milesopedia has named the National Bank World Elite Mastercard as the Best Travel Credit Card in 2023, 2024, 2025, and 2026.

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.

The National Bank Platinum Mastercard® lets you earn up to 40,000 reward points, plus a refund of the $70 annual fee for the first year for the primary cardholder:

• 10,000 points when you sign up for credit card payment insurance and keep it for at least the first 3 months
• 15,000 points after $2,500 in purchases within the first 3 months
• 15,000 points after $10,000 in purchases within the first 12 months

You have until November 4, 2026 to apply.

After that, you earn:

• 2 points per dollar on grocery and restaurant purchases
• 1.5 points per dollar on gas, EV charging, recurring bills and travel booked through the À la carte agency

Since it is a Mastercard, you can use it at Costco. Unlike the other two National Bank travel rewards cards, it does not require a minimum income.

The card includes mobile device insurance, an extended warranty on your purchases, and comprehensive travel insurance for trips of 10 days or less, with emergency medical coverage plus trip cancellation and interruption.

The annual fee is $70, plus $35 per additional card. The annual interest rate is 20.99% on purchases and 22.49% on cash advances.

With NBC mycredit Mastercard, you get:

• 1% cash back on restaurant purchases and recurring pre-authorized debits
• 0.5% cash back on all other purchases

And since it’s a Mastercard credit card, you can use it at Costco.

Cash back is automatically applied to your credit card account balance when each monthly statement is issued.

This is a credit card we recommend for those new to credit cards and want a no-fee credit card. What’s more, this credit card comes with a number of insurances for your purchases, including mobile device insurance (which is rare for a credit card with no annual fee).

The National Bank Syncro Mastercard is a low-interest credit card from National Bank. It offers an interest rate of 8.90% for purchases and 12.90% for cash advances and balance transfers.

Since it’s a Mastercard credit card, you can use National Bank Syncro Mastercard at Costco. Finally, it offers you insurance for your purchases.

The National Bank ECHO® Cashback Mastercard® is a cash back credit card that rewards your everyday spending. You get up to 1.5% cash back on your eligible gas, grocery and online purchases, and unlimited 1% cash back on all other eligible purchases.

Once you have accumulated a minimum of $25 in cash back, you can apply it to your credit card account. The card also includes purchase protection against theft or damage and an extended warranty. The annual fee is $30.

The annual interest rate is 20.99% on purchases and 22.49% on cash advances. A 2.5% conversion fee applies to foreign currency transactions.

The National Bank MC1 Mastercard is a no-annual-fee credit card, designed as a simple, convenient everyday payment solution. It gives you access to your funds anywhere in the world where Mastercard is accepted.

The card includes a purchase insurance program to protect your purchases and the Mastercard Zero Liability program, which frees you from liability for unauthorized purchases. It does not include a rewards program.

The annual interest rate is 20.99% on purchases and 22.49% on cash advances. A 2.5% foreign transaction fee applies to purchases made in a foreign currency.

Support the Breast Cancer Foundation’s cause at Quebec by becoming a National Bank Allure Mastercard cardholder with this exclusive offer!

For every $2 in purchases charged to your National Bank Allure Mastercard account, you earn 1 point. Once a year, in January, you will receive a $10 cashback for every 1,000 points earned.

And for every $10 you spend with your card, National Bank of Canada donates 10 cents to the Quebec Breast Cancer Foundation! It can be as much as $750,000 per year for all cardholders!

For example, if you charge $1,000/month to your card, National Bank will donate $10/month to the foundation, or $120/year. And since it’s an NBC mycredit Mastercard, you can use it at Costco.

The National Bank Business Platinum Mastercard is National Bank’s business rewards credit card, aimed at entrepreneurs who want to earn points on their business spending. It is available regardless of company size.

What the card gives you:

• 1.5 points per dollar on all eligible purchases, with no cap
• 1.5 additional points per dollar on eligible purchases made through the À la carte Travel agency, for 3 points per dollar in total
• Points that can be pooled with those from your personal National Bank credit card
• Travel insurance, purchase protection against theft and damage, and an extended warranty
• An annual fee that is tax deductible

The annual fee is $125, plus $50 per additional card. The annual interest rate is 20.99% on purchases and 22.99% on cash advances and balance transfers. A 2.5% conversion fee applies to foreign currency transactions. This card does not offer a welcome bonus.

The National Bank Business Line Mastercard combines a business credit card and a line of credit in a single product, to finance your company’s everyday expenses and unexpected costs.

What the card gives you:

• Financing of up to $10,000
• An interest rate of prime rate + 5% on purchases, cash advances and balance transfers
• Free additional cards for your employees
• National Bank’s Business account management tools

The annual fee is $50 and the minimum credit limit is $1,000. The base rate is the variable annual interest rate announced by National Bank as its reference rate for demand loans in Canadian dollars; it may change without notice. A 2.5% conversion fee applies to foreign currency transactions. This card does not earn rewards and does not offer a welcome bonus.