Best National Bank Credit Cards in Canada - October 2026

Looking for the best National Bank Credit Cards in Canada? The right choice depends on your spending, annual fees and the benefits you will actually use.

Compare the 10 cards in our selection below. Interested in a card? Click Read review to read our full analysis.

Our selection — National Bank
Credit card	Annual fee	Welcome offer
ExclusiveNational Bank World Elite^® Mastercard^® Apply NowCompareRead review	Annual feeFirst Year Annual Fee Rebate$150 $0First Year Annual Fee Rebate	Welcome offer$150 annual fee rebated First Year Annual Fee RebateEnds Nov 4, 2026 $150 annual fee rebated	Apply NowCompareRead review
National Bank Platinum Mastercard^® Apply NowCompareRead review	Annual feeFirst Year Annual Fee Rebate$70 $0First Year Annual Fee Rebate	Welcome offerAfter $12,500 in 12 months 40,000 pointsEnds Nov 4, 2026 After $12,500 in 12 months	Apply NowCompareRead review
National Bank World^® Mastercard^® Apply NowCompareRead review	Annual fee$115	Welcome offer No current welcome offer	Apply NowCompareRead review
National Bank Syncro^™ Mastercard^® Apply NowCompareRead review	Annual fee$35	Welcome offer No current welcome offer	Apply NowCompareRead review
National Bank mycredit^™ Mastercard^® Apply NowCompareRead review	Annual fee$0	Welcome offer No current welcome offer	Apply NowCompareRead review
National Bank^® Allure^® Mastercard^® Apply NowCompareRead review	Annual fee$0	Welcome offer No current welcome offer	Apply NowCompareRead review
National Bank ECHO^® Cashback Mastercard^® Apply NowCompareRead review	Annual fee$30	Welcome offer No current welcome offer	Apply NowCompareRead review
National Bank MC1^® Mastercard^® Apply NowCompareRead review	Annual fee$0	Welcome offer No current welcome offer	Apply NowCompareRead review
National Bank Business Platinum Mastercard Apply NowCompareRead review	Annual fee$125	Welcome offer No current welcome offer	Apply NowCompareRead review
National Bank Business Mastercard Apply NowCompareRead review	Annual fee$0	Welcome offer No current welcome offer	Apply NowCompareRead review

National Bank World Elite^® Mastercard^®

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.

ExclusiveCompare

National Bank World Elite^® Mastercard^®

National Bank NBC RewardsFirst-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $150
Our valuationMilesopedia first-year estimate First-year valueAnnual fee rebated$150Annual credit$150Total$300Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $300
Welcome offer$150 annual fee rebated: First Year Annual Fee Rebate; Ends Nov 4, 2026

Annual fee

Primary card$150

Additional card$50

Annual income required

Individual$80,000

Household$150,000

Conversion fees

2.5%

Earning rate

5xRestaurants
5xGroceries
2xGas & EV
2xBills & recurring payments
2xTravel
1xAll spending

Value

1st Year Value$767

2nd Year Value$923

Card benefits

Airport lounge access$400

Travel creditsIncluded

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 60 days

Travel medical (55-64)Up to $5,000,000 / 31 days

Travel medical (65+)Up to $5,000,000 / 15 days

Trip CancellationUp to $2,500

Trip InterruptionUp to $5,000

Delayed BaggageUp to $500

Lost BaggageUp to $1,000

Flight DelayUp to $500

Travel AccidentIncluded

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+2 years

Mobile DeviceUp to $1,000 / 2 years

Auto Rental CollisionUp to $65,000 / 48 days

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National Bank Platinum Mastercard^®

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.

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National Bank Platinum Mastercard^®

National Bank NBC RewardsFirst-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $70
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$360Annual fee rebated$70Total$430Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $430
Welcome offerAfter $12,500 in 12 months: 40,000 points; Ends Nov 4, 2026

Annual fee

Primary card$70

Additional card$35

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

2xGroceries
2xRestaurants
1.5xBills & recurring payments
1.5xGas & EV
1.5xTravel
0.67xAll spending

Value

1st Year Value$706

2nd Year Value$209

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 10 days

Travel medical (55-64)Up to $5,000,000 / 10 days

Travel medical (65+)Up to $5,000,000 / 10 days

Trip CancellationUp to $1,000

Trip InterruptionUp to $1,500

Delayed BaggageUp to $500

Lost BaggageUp to $1,000

Flight DelayUp to $500

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+2 years

Mobile DeviceUp to $1,000 / 2 years

Auto Rental Collision (primary)Up to $65,000 / 48 days

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National Bank World^® Mastercard^®

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.

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National Bank World^® Mastercard^®

National Bank NBC Rewards

Annual fee: $115
Welcome offer: No current welcome offer

Annual fee

Primary card$115

Additional card$35

Annual income required

Individual$50,000

Household$80,000

Conversion fees

2.5%

Earning rate

1.25xAll spending

Value

1st Year Value$223

2nd Year Value$155

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 60 days

Travel medical (55-64)Up to $5,000,000 / 31 days

Travel medical (65+)Up to $5,000,000 / 15 days

Trip CancellationUp to $2,500

Trip InterruptionUp to $5,000

Delayed BaggageUp to $500

Lost BaggageUp to $1,000

Flight DelayUp to $500

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+2 years

Auto Rental CollisionUp to $65,000 / 48 days

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National Bank Syncro^™ Mastercard^®

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.

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National Bank Syncro^™ Mastercard^®

National Bank Cash Back

Annual fee: $35
Welcome offer: No current welcome offer

Annual fee

Primary card$35

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

0xAll spending

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

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National Bank mycredit^™ Mastercard^®

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 suited to those new to credit cards who 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).

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National Bank mycredit^™ Mastercard^®

National Bank Cash Back

Annual fee: $0
Welcome offer: No current welcome offer

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

1xRestaurants
1xBills & recurring payments
1xTelecom
0.5xAll spending

Value

1st Year Value$192

2nd Year Value$148

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 2 years

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National Bank^® Allure^® Mastercard^®

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.

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National Bank^® Allure^® Mastercard^®

National Bank Cash Back

Annual fee: $0
Welcome offer: No current welcome offer

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

0.5xAll spending

Value

1st Year Value$150

2nd Year Value$120

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

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National Bank ECHO^® Cashback Mastercard^®

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.

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National Bank ECHO^® Cashback Mastercard^®

National Bank Cash Back

Annual fee: $30
Welcome offer: No current welcome offer

Annual fee

Primary card$30

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

1.5xGas & EV
1.5xGroceries
1.5xOnline purchases
1xAll spending

Value

1st Year Value$324

2nd Year Value$252

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

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National Bank MC1^® Mastercard^®

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.

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National Bank MC1^® Mastercard^®

National Bank Cash Back

Annual fee: $0
Welcome offer: No current welcome offer

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

0xAll spending

Value

2nd Year Value$0

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

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National Bank Business Platinum Mastercard

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.

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National Bank Business Platinum Mastercard

Business National BankNBC Rewards

Annual fee: $125
Welcome offer: No current welcome offer

Annual fee

Primary card$125

Conversion fees

2.5%

Earning rate

1.5xAll spending

Value

1st Year Value$280

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National Bank Business Mastercard

The National Bank Business Mastercard is a business credit card with no annual fee, designed for entrepreneurs and self-employed workers who want to keep business spending separate from their personal finances and easier to track.

What the card gives you:

No annual fee, for both the primary cardholder and additional cards
Free additional cards for your employees, with centralized expense tracking
National Bank’s Business account management tools
A reduced rate option of 14.5% on purchases and balance transfers, for a $30 annual fee and a minimum credit limit of $1,000

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.

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National Bank Business Mastercard

Business National Bank

Annual fee: $0
Welcome offer: No current welcome offer

Annual fee

Primary card$0

Conversion fees

2.5%

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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.

National Bank World Elite® Mastercard®

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Card benefits

Travel insurance

Purchase protection

National Bank Platinum Mastercard®

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

National Bank World® Mastercard®

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

National Bank Syncro™ Mastercard®

Annual fee

Annual income required

Conversion fees

Earning rate

Purchase protection

National Bank mycredit™ Mastercard®

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Purchase protection

National Bank® Allure® Mastercard®

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Purchase protection

National Bank ECHO® Cashback Mastercard®

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Purchase protection

National Bank MC1® Mastercard®

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Purchase protection

National Bank Business Platinum Mastercard

Annual fee

Conversion fees

Earning rate

Value

National Bank Business Mastercard

Annual fee

Conversion fees

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National Bank World Elite^® Mastercard^®

National Bank Platinum Mastercard^®

National Bank World^® Mastercard^®

National Bank Syncro^™ Mastercard^®

National Bank mycredit^™ Mastercard^®

National Bank^® Allure^® Mastercard^®

National Bank ECHO^® Cashback Mastercard^®

National Bank MC1^® Mastercard^®