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Pros & Cons
Pros
- +Purchase protection included
Cons
- –Foreign Transaction Fee (2.5%)
Our Review
The National Bank Syncro Mastercard is a low-interest credit card from National Bank. It offers an interest rate of
Since it’s a Mastercard credit card, you can use National Bank Syncro Mastercard at Costco. Finally, it offers you insurance for your purchases.
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Fees and interest rates
- Annual Fee$35
- Additional card fee$0
- Foreign currency conversion fee2.5%
- Purchase Rate8.9%
- Balance transfer rate12.9%
- Cash advance rate12.9%
Terms & Conditions
Card Features
- Low interest rate: 8.9% on purchases, 12.9% on cash advances and balance transfers
- Purchase protection
- Extended warranty
- Contactless payments
- Secure online shopping
- Fraud protection
- Mastercard® Zero Liability protection
Legal
Interest rates
« Base Rate » means the variable annual interest rate publicly announced by the Bank from time to time as the reference rate used to establish the interest rate on Canadian dollar demand loans made by the Bank in Canada.
The interest rate for the SYNCRO card consists of a variable prime rate set by National Bank plus a fixed adjustment rate of 4% for purchases and 8% for balance transfers and cash advances. Please note that the annual interest rate for the SYNCRO card will not be less than 8.9% for purchases and 12.9% for balance transfers and cash advances.
Purchasing insurance
This coverage applies to purchases charged to the National Bank Syncro card.
Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer’s warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.
Credit terms
Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.
Minimum payment: If your account balance is lower than $10, you must pay the entire balance.
If you reside in the province of Quebec, your minimum payment is the greater of 5% of your account balance, plus any overdue amounts, or $10.
If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.
Account statement: A statement is sent monthly.
Example of credit charges over a 30-day period
| Annual interest rate | Average balance | |
| $500 | $3,000 | |
| 22.49% (regular card) | $9.24 | $55.45 |
| 20.99% (regular card) | $8.63 | $51.76 |
| 13.2% (Syncro card) | $5.53 | $33.16 |
| 9.2% (Syncro card) | $3.78 | $22.68 |
*Variable interest rate in effect on September 1, 2021.
Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
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FAQ
Which low-interest NBC credit card is right for you?
The National Bank Syncro Mastercard is the best NBC low-interest credit card. This credit card is one of the best low-interest credit cards in Canada.
What is the interest rate for purchases made with the National Bank Syncro Mastercard?
It offers a competitive interest rate for purchases.
What insurance benefits are included with the National Bank Syncro Mastercard?
The card includes purchase insurance and an extended warranty.
Does the National Bank Syncro Mastercard offer contactless payment options?
Yes, it is equipped with contactless payment functionality.
What are the eligibility criteria for the National Bank Syncro Mastercard?
You must be a resident of Canada.
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Banque Nationale. All trademarks are property of their respective owners.