Below are the best credit card offers from NBC, National Bank of Canada.
Here is a table summarizing the different offers. For more details, read on or click on the name of a card.
National Bank Travel Credit Cards
National Bank's World Elite Mastercard®
The National Bank’s World Elite Mastercard® is the Best National Bank Mastercard credit card.
With this card, you earn up to 5 points per dollar on your purchases:
- 5 points per dollar on grocery and restaurant purchases
- 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 on all other purchases
And since it’s a National Bank Mastercard credit card, 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
- Flight upgrades
In addition, you can enjoy access to DragonPass airport lounges and free Wi-Fi with Boingo. And unlimited access to the National Bank Lounge at Montreal-Trudeau.
Finally, Milesopedia voted National Bank’s World Elite Mastercard the Best Credit Card for Travel and the Best Credit Card for Insurance in 2023.
National Bank Platinum Mastercard
Unlike the other two National Bank travel rewards cards, the National Bank Platinum Mastercard does not require a minimum income.
You can earn 2 points per dollar on grocery store and restaurant purchases, and 1.5 points per dollar on gas, electric vehicle recharges, recurring bills and À la Carte Travel. And since it’s a National Bank Mastercard credit card, you can use it at Costco.
In addition, you get premium insurance usually dedicated for high-end credit cards:
- 180-day Purchase protection in the event of theft or damage
- Possibility of tripling the manufacturer’s warranty (up to 2 additional years)
- Trip Cancellation Insurance
- Trip Interruption Insurance
- Out-of-province hospital insurance
- Flight Delay Insurance
- Baggage insurance in case of delay, theft or loss
- Car rental insurance
- Mobile Device Insurance
National Bank's World Mastercard
Don’t have the minimum income requirement for The National Bank’s World Elite Mastercard® ? Then the National Bank World Mastercard may be a good option for you. It requires a minimum personal income of $60,000 (or $100,000 household income).
You can earn up to 2 points per dollar on your purchases. And since it’s a National Bank Mastercard credit card, you can use it at Costco.
Besides, you can enjoy access to the LoungeKey airport lounges as well as free Wi-Fi with Boingo.
And you’ll enjoy up to 60 days’ coverage with its travel, trip cancellation/interruption, baggage loss and car rental insurance.
National Bank Cash Back Credit Cards
NBC mycredit Mastercard
With the NBC mycredit Mastercard, you get:
- 1% cash back on restaurant purchases and recurring pre-authorized payments
- 0.5% cash back on all other purchases
And since it’s a National Bank Mastercard credit card, you can use it at Costco.
Cash back is automatically applied to your credit card statement every billing cycle.
This is a credit card we recommend for those new to credit cards and want a no-fee credit card. Especially since this credit card comes with some insurance for your purchases, including mobile device insurance (which is rare for a no annual fee credit card ).
NBC Allure Mastercard
Support the cause of the Quebec Breast Cancer Foundation by becoming an NBC Allure Mastercard credit cardholder with this exclusive offer!
For every $2 in purchases charged to your NBC Allure Mastercard account, you earn 1 point. Once a year, in January, you earn a $10 cash back for every 1,000 points you’ve earned.
And for every $10 you spend with your card, the 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 a National Bank Mastercard credit card, you can use it at Costco.
Frequently Asked Questions
Here are frequently asked questions in the milesopedia community about credit cards in Canada.
What is the best NBC National Bank credit card for travel?
The National Bank credit cards for travel are:
- National Bank’s World Elite Mastercard®
- National Bank’s World Mastercard
- National Bank Platinum Mastercard
These National Bank credit cards allow you to quickly earn reward points that you can redeem for rewards or travel credits. They also offer comprehensive travel insurance and a welcome bonus.
What is the best NBC National Bank cash back credit card?
The National Bank mycredit Mastercard is National Bank’s best no annual fee, cash back credit card.
You can earn cash back on most of your everyday purchases.
Which credit bureau is verified by NBC National Bank?
National Bank (NBC) partners with Equifax to check your credit score when you apply for a National Bank credit card.
What are the credit approval criteria for a National Bank credit card?
When you apply for a National Bank credit card, NBC will check your credit score with Equifax to determine if you can get credit approval. A good credit score is required for most National Bank credit cards.
In addition to credit score, National Bank has income requirements for some National Bank credit cards. For example, to get a National Bank’s World Elite Mastercard®, you must have a personal income of $80,000 or a household income of $150,000.
How does NBC National Bank Paypass contactless payment work?
Contactless payment is the fastest way to pay for your purchases with your National Bank Mastercard credit card. Just tap your National Bank credit card against a contactless reader at the checkout, and you’re done!
National Bank credit cards allow contactless payments above $100 with participating merchants. This makes it easy to earn cash back or reward points for your purchases.
How do I increase my NBC National Bank credit limit?
To request a limit increase on your National Bank credit card, log on to your National Bank online banking:
- Click Overview in the left menu
- Select your credit card
- Click Increase my limit
- Follow the instructions
When do I have to pay off my National Bank credit card?
Your payment due date is indicated on your National Bank credit card statement. To view your National Bank statement, you can either :
- log in to your National Bank online banking
- log in via the National Bank online app
What types of rewards do National Bank credit cards offer?
National Bank credit cards offer either cash back or rewards points.
You can use your National Bank Rewards points for travel, account spending, merchandise or gift cards. You will find all this information on the NBC Rewards portal as well as a vast catalogue of gift cards (SAQ gift cards, gas gift cards, and even Costco gift cards).
What is the National Bank Lounge?
The National Bank Lounge is a VIP lounge at Montreal-Trudeau International Airport that offers drinks, food and Wi-Fi in a relaxed atmosphere.
It’s accessible to passengers flying to destinations outside of Canada and the U.S. only. Would you like to have free access with a guest on your next international trip?
This privilege is available to National Bank’s World Elite Mastercard® (the National Bank credit card with comprehensive travel insurance). Non-holder National Bank customers receive a discounted rate to enter.
How do I contact National Bank Mastercard customer service?
You can contact National Bank Mastercard at 1-888-622-2783.
What is the best National Bank Mastercard?
The best National Bank Mastercard is the The annual interest rate of the National Bank’s World Elite Mastercard® for purchases is 20.99%. The annual interest rate of the National Bank’s World Elite Mastercard® for balance transfers and cash advances is 22.49%. We recommend that you make the full payment on your National Bank credit card each month (not just the minimum payment).What is the annual interest rate for the National Bank's World Elite Mastercard<sup>®</sup> ?
What is the annual interest rate for the National Bank World Mastercard?
The annual interest rate of the National Bank World Mastercard for purchases is 20.99%.
The annual interest rate for balance transfers and cash advances on the National Bank World Mastercard is 22.49%.
What is the annual interest rate for the National Bank Platinum Mastercard?
The annual interest rate of the National Bank Platinum Mastercard for purchases is 20.99%.
The annual interest rate for balance transfers and cash advances on the National Bank Platinum Mastercard is 22.49%.
We recommend that you pay your National Bank credit card in full each month (not just the minimum payment).
Which National Bank credit card offers the best rates?
We recommend that you pay your National Bank credit card monthly (not just the minimum payment).
However, if you are looking for a National Bank credit card with the best interest rate, this is the NBC Syncro Mastercard.
The National Bank Syncro Mastercard has low interet rates for purchases: 8.90%. The low interest rate for balance transfers and cash advances is 12.90%.