{"id":321785,"date":"2026-02-07T08:00:00","date_gmt":"2026-02-07T13:00:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=321785"},"modified":"2026-02-07T08:09:12","modified_gmt":"2026-02-07T13:09:12","slug":"comparison-card-cobalt-american-express-vs-world-elite-mastercard-national-bank","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/comparison-card-cobalt-american-express-vs-world-elite-mastercard-national-bank\/","title":{"rendered":"Head-to-Head: American Express Cobalt Card vs. National Bank World Elite Mastercard"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>American Express Canada and National Bank each offer a credit card that earns 5 points per dollar spent in grocery stores and restaurants:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621,401432\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card-compare--offer-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--value-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--fee-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-2\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text el_class=&#8221;links&#8221;]<\/p>\n<p>These are two basic cards that we often recommend when someone wants to earn points quickly and easily.<\/p>\n<p>So, we\u2019ll break down the key differences between these credit cards based on:<\/p>\n<ul>\n<li><a href=\"#prime\">Welcome Bonus<\/a><\/li>\n<li><a href=\"#revenu\">Minimum Income<\/a><\/li>\n<li><a href=\"#accumulation\">Earning Points<\/a><\/li>\n<li><a href=\"#utilisation\">Using Points<\/a><\/li>\n<li><a href=\"#frais\">Annual Fee<\/a><\/li>\n<li><a href=\"#assurances\">Travel insurance<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Bonus&#8221;][vc_column][vc_custom_heading text=&#8221;Welcome Bonus&#8221; el_id=&#8221;welcome_bonus&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;482004&#8243; alignment=&#8221;center&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>When you subscribe to the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>, you can earn <strong>up to 15,000 points<\/strong><strong>:<\/strong><\/p>\n<ul>\n<li>1,250 points per month for the first 12 months (monthly expenses of $750 or more)<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"125194\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;341958&#8243; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Through Milesopedia, you can get up to 50,000 points with this <a href=\"https:\/\/milesopedia.com\/en\/offres\/cartes\/nbc-world-elite-mastercard-offer\/\">exclusive welcome offer<\/a> for the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<\/a>:<\/p>\n<ul>\n<li><strong>10,000 reward points<\/strong> upon enrollment in your credit card payment protection, for a minimum of 3 months of membership.<\/li>\n<li><strong>10,000 points<\/strong> when you make $5,000 in net purchases within the first 3 months.<\/li>\n<li><strong>20,000 points<\/strong> when you reach $20,000 in purchases within the first 12 months.<\/li>\n<li><strong>10,000 points<\/strong> when you combine your credit card with the opening of your first current account within 7 days of your credit card application.<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"324829\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579492398{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: American Express Cobalt<sup>&reg;<\/sup> Card&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;advantage_american_express_cobalt_card&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\">National Bank<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> wins this round thanks to its generous Milesopedia exclusive offer!<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Income&#8221;][vc_column][vc_custom_heading text=&#8221;Minimum Income&#8221; el_id=&#8221;minimum_income&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;482004&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> requires no minimum income.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;341958&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite<\/a> <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/nbc-world-elite-mastercard\/\">Mastercard<sup>&reg;<\/sup><\/a> <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/nbc-world-elite-mastercard\/\">card<\/a> requires:<\/p>\n<ul>\n<li>$80,000 individual income<\/li>\n<li>$150,000 household income<\/li>\n<li>or assets under management of $400,000 or more<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: American Express Cobalt Card&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;advantage_american_express_cobalt_card&#8221;][vc_column_text]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> does not require a minimum income, unlike the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard.<\/a><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Fees&#8221;][vc_column][vc_custom_heading text=&#8221;Annual Fee&#8221; el_id=&#8221;annual_fee&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;482004&#8243; alignment=&#8221;center&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>For individuals residing outside of Quebec, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a> has monthly fees of $15.99 (a total of $191.88). For individuals residing in Quebec, they are $191.88, payable once a year.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;341958&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<\/a> has an annual fee of $150.<\/p>\n<p>&nbsp;<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: National Bank World Elite Mastercard&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;advantage_national_bank_world_elite_mastercard&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The annual fees for the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<\/a> are less expensive than the fees for the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>.<\/p>\n<p>What&#8217;s more, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<\/a> has a special advantage: it gives you a <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/nbc-annual-travel-credit\/\" target=\"_blank\" rel=\"noopener\">$150 travel credit<\/a> every year!<\/p>\n<p>As a result, cardholders have a total of $150 to apply to certain travel expenses. Used to its full potential, <strong>it costs nothing<\/strong> each year, and even less in the first year with the current promotion.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"170863\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row el_id=&#8221;Earning Points&#8221;][vc_column][vc_custom_heading text=&#8221;Earning Points&#8221; el_id=&#8221;earning_points&#8221;][vc_column_text]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> and the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<\/a> offer similar levels of point accumulation.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Accumulation Levels&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;accumulation_levels&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;482004&#8243; alignment=&#8221;center&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>, you can earn <strong>up to 5 points per dollar<\/strong>:<\/p>\n<table style=\"border-collapse: collapse;width: 100%;height: 149px\">\n<thead>\n<tr style=\"height: 23px\">\n<td style=\"width: 50%;text-align: center;height: 23px\"><strong>Category<\/strong><\/td>\n<td style=\"width: 50%;text-align: center;height: 23px\"><strong>Points<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"height: 47px\">\n<td style=\"width: 50%;text-align: center;height: 47px\">Grocery, Restaurant, Home Food Delivery, Bars, Convenience Stores<\/td>\n<td style=\"width: 50%;text-align: center;height: 47px\">5*<\/td>\n<\/tr>\n<tr style=\"height: 10px\">\n<td style=\"width: 50%;text-align: center;height: 10px\"><a href=\"http:\/\/americanexpress.ca\/diffusion-en-continu\" target=\"_blank\" rel=\"noopener\">Streaming services<\/a> (Apple TV+, Apple Music, Crave, Disney+, Netflix, RDS, TSN, etc.)<\/td>\n<td style=\"width: 50%;text-align: center;height: 10px\">3<\/td>\n<\/tr>\n<tr style=\"height: 23px\">\n<td style=\"width: 50%;text-align: center;height: 23px\">Local transport, service stations<\/td>\n<td style=\"width: 50%;text-align: center;height: 23px\">2<\/td>\n<\/tr>\n<tr style=\"height: 23px\">\n<td style=\"width: 50%;text-align: center;height: 23px\">Other purchase<\/td>\n<td style=\"width: 50%;text-align: center;height: 23px\">1<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>For the 5X points category, you can earn <a href=\"https:\/\/milesopedia.com\/en\/news\/cobalt-american-express-cap-5x-multiplier\/\" target=\"_blank\" rel=\"noopener\">5 points per dollar up to $2,500 in monthly purchases<\/a> in this category, charged to the card. Starting at $2,501, points are accumulated at a rate of 1 point per dollar for the 5 X points category.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;341958&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard <\/a>you can also earn <strong>up to 5 points per dollar<\/strong>:<\/p>\n<table style=\"border-collapse: collapse;width: 100%\">\n<thead>\n<tr>\n<td style=\"width: 50%;text-align: center\"><strong>Category<\/strong><\/td>\n<td style=\"width: 50%;text-align: center\"><strong>Points<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 50%;text-align: center\">Grocery and Restaurant<\/td>\n<td style=\"width: 50%;text-align: center\">5*<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%;text-align: center\">Gasoline, Electric recharge, Recurring bill, \u00c0 la carte Travel<\/td>\n<td style=\"width: 50%;text-align: center\">2<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%;text-align: center\">Other purchase<\/td>\n<td style=\"width: 50%;text-align: center\">1<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>For the Grocery and Restaurant category, you can earn 5 points for every dollar spent in the first $2,500 of monthly purchases (all categories combined) charged to the card. Starting at $2,501, points are accumulated at a rate of 2 points per dollar for the 5 X points category.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Draw&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;draw&#8221;][vc_column_text]<\/p>\n<p>Depending on your needs and the majority of your expenses, you may choose one or the other. Since groceries are a major budget item, getting 5 points per dollar on one of these 2 credit cards for this expense is excellent.<\/p>\n<p>Don&#8217;t forget the possibility of buying gift cards at the grocery store to maximize your points: you earn <strong>5 points per dollar<\/strong>, even on Walmart, Amazon, Sports Experts, Canadian Tire <a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/5-points-stores\/\">gift cards<\/a>, and so on.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"131976\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row el_id=&#8221;use&#8221;][vc_column][vc_custom_heading text=&#8221;Redeeming Points&#8221; el_id=&#8221;redeeming_points&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Both cards are part of different loyalty programs:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/nbc-a-la-carte-rewards\/\" target=\"_blank\" rel=\"noopener\">NBC Points <\/a> from the NBC \u00c0 la carte Rewards Program for the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/membership-rewards-american-express\/\">American Express Membership Rewards<\/a> for <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><\/li>\n<\/ul>\n<p>Thus, the ways of using the points are different.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Redeeming Points&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;redeeming_points&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;482004&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> is highly versatile and flexible. You can redeem Membership Rewards points for a statement credit on:<\/p>\n<ul>\n<li>Travel purchases (car rental, hotels, flights, etc.);<\/li>\n<li>Everyday purchases (groceries, gas, bill payments, etc.).<\/li>\n<\/ul>\n<p>The usage rate is <strong>1,000 points = $10<\/strong>.<\/p>\n<p>So use your Membership Rewards points to simply pay off your <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card balance. <\/a> <\/p>\n<p>A <strong>minimum of 1,000 points<\/strong> (minimum $10) is required, and thereafter in increments of one cent per point.<\/p>\n<p>In addition, redeem your Membership Rewards points to:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/american-express-fixed-points-travel-program\/\">Save on flights<\/a> with American Express&#8217;s flat-rate pricing;<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/tutorial-transfer-membership-rewards\/\">Points transfers to travel partners <\/a>: Aeroplan British Airways Executive Club, Air France KLM Flying Blue, Delta SkyMiles, Etihad Guest, Asia Miles, Marriott Bonvoy and Hilton Honors.<\/li>\n<\/ul>\n<p>It offers plenty of opportunities, depending on what you need and when you want it.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;341958&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<\/a>, it\u2019s different. NBC points cannot be transferred to other rewards programs.<\/p>\n<p>To redeem your <a class=\"thirstylink\" title=\"National Bank World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/nbc-world-elite-mastercard\/\" data-wct-parsed=\"1\">National Bank World Elite Mastercard <\/a>you will need to log in to your online account <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/nbc-a-la-carte-rewards\/\">NBC \u00e0 la carte Rewards program<\/a>.<\/p>\n<p>You can then use these points NBC thanks to various options:<\/p>\n<table style=\"border-collapse: collapse;width: 100%\">\n<thead>\n<tr>\n<td style=\"width: 69.469%;text-align: center\"><strong>Rewards<\/strong><\/td>\n<td style=\"width: 30.531%;text-align: center\"><strong>Points for $100<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"text-align: center;width: 69.469%\">Exchange on the NBC \u00e0 la carte Rewards dedicated portal <\/td>\n<td style=\"text-align: center;width: 30.531%\"><strong>10&nbsp;000<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;width: 69.469%\">Flexible travel discount<br \/>\n(from 55,000 points redeemed)<\/td>\n<p><\/p>\n<td style=\"text-align: center;width: 30.531%\">11,000<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;width: 69.469%\">Flexible travel discount (on travel purchases you book yourself)<\/td>\n<td style=\"text-align: center;width: 30.531%\">12&nbsp;000<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;width: 69.469%\"><strong>Extras \u00e0 la carte<\/strong><br \/>\nRRSP or TFSA contribution<br \/>Repayment of all-in-one mortgage or mortgage loan<\/td>\n<p><\/p>\n<td style=\"text-align: center;width: 30.531%\">12&nbsp;000<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;width: 69.469%\">Gift card<\/td>\n<td style=\"text-align: center;width: 30.531%\">12,000 &#8211; 13,500<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;width: 69.469%\">Statement credit<\/td>\n<td style=\"text-align: center;width: 30.531%\">25,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579610554{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: American Express Cobalt Card&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;advantage_american_express_cobalt_card&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Thanks to the great flexibility of the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> and Membership Rewards points, they can be used in a variety of ways. Points can be used for travel purchased on the card:<\/p>\n<ul>\n<li>Flights<\/li>\n<li>Rental Cars<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/hotels\/\">Hotel<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/save-money-airbnb\/\">Airbnb rental<\/a><\/li>\n<li>Etc<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"138018,194706\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Other Benefits&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;other_benefits&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;482004&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> you can also enjoy:<\/p>\n<ul>\n<li>Various <a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/american-express-offers\/\" target=\"_blank\" rel=\"noopener\">promotional offers<\/a> (which can offset the monthly fee)<\/li>\n<li>Access to <a href=\"https:\/\/milesopedia.com\/en\/guide\/book-best-concerts-shows-credit-cards\/#avant-premi_remd_d_american_express_\" target=\"_blank\" rel=\"noopener\">exclusive presale Front Of The Line<sup>&reg;<\/sup> tickets to concerts<\/a> and plays through American Express<sup>&reg;<\/sup> Experiences<\/li>\n<li>Amazon&#8217;s Shop with Points program<\/li>\n<li>Hotel reservations at The Hotel Collection with specific perks<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;341958&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p><strong>Each calendar year<\/strong>, the holder of a <a class=\"thirstylink\" title=\"The National Bank's World Elite Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/nbc-world-elite-mastercard\/\" target=\"\" rel=\"noopener noreferrer\" data-linkid=\"26730\">National Bank World Elite Mastercard<\/a> cardholder has a travel credit of $150 to reimburse certain travel expenses:<\/p>\n<ul>\n<li>Airport parking<\/li>\n<li>Baggage fees<\/li>\n<li>Seat selection<\/li>\n<li>Access to airport lounges<\/li>\n<li>Airline ticket upgrades<\/li>\n<\/ul>\n<p>It also offers:<\/p>\n<ul>\n<li>Free, <strong>unlimited<\/strong> access to <a href=\"https:\/\/milesopedia.com\/en\/reviews\/airport-lounges\/national-bank-airport-lounge-montreal-trudeau\/\" target=\"_blank\" rel=\"noopener\">lounge National Bank<\/a> at Montreal-Trudeau International Airport<\/li>\n<li>A subscription to the <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/how-dragonpass-works\/\" target=\"_blank\" rel=\"noopener\">DragonPass program<\/a>, which gives you access to over 1,300 airport lounges worldwide (USD 32 per person).<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/flexiroam-esim-mastercard\/\" target=\"_blank\" rel=\"noopener\">Free Wi-Fi access on the move<\/a>, anywhere in the world, thanks to <a href=\"https:\/\/redeem.boingo.com\/mccan\/?lang=fc\" target=\"_blank\" rel=\"noopener\">Boingo<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579610554{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: National Bank&#039;s World Elite Mastercard<sup>&reg;<\/sup>&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;advantage_national_bank_039_s_world_elite_mastercard_&#8221;][vc_column_text]<\/p>\n<p>With its wide range of travel benefits, the <a class=\"thirstylink\" title=\"The National Bank's World Elite Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/nbc-world-elite-mastercard\/\" target=\"\" rel=\"noopener noreferrer\" data-linkid=\"26730\">National Bank World Elite Mastercard<\/a> is unbeatable in this respect.<\/p>\n<p>Whereas for the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card <\/a>its advantages lie more in everyday shopping.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Insurance&#8221;][vc_column][vc_custom_heading text=&#8221;Insurance&#8221; el_id=&#8221;insurance&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<table style=\"border-collapse: collapse;width: 100%;height: 309px\">\n<thead>\n<tr style=\"height: 24px\">\n<td style=\"width: 33.3333%;height: 21px\">Insurance<\/td>\n<td style=\"width: 33.3333%;height: 21px\"><img class=\"wp-image-162053 aligncenter\" title=\"Business Platinum Card<sup>&reg;<\/sup> from American Express\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/08\/cobalt-card-450x285.png\" alt=\"cobalt card\" width=\"186\" height=\"118\"><\/td>\n<td style=\"width: 33.3333%;height: 21px\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-341957 aligncenter\" title=\"National Bank World Elite Mastercard exclusive offer\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2024\/01\/bnc-world-elite-FR-banque-nationale-450x284.png\" alt=\"Image of a National Bank World Elite Mastercard credit card with an exclusive badge.\" width=\"181\" height=\"114\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2024\/01\/bnc-world-elite-FR-banque-nationale-450x284.png 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2024\/01\/bnc-world-elite-FR-banque-nationale-200x126.png 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2024\/01\/bnc-world-elite-FR-banque-nationale.png 600w\" sizes=\"auto, (max-width: 181px) 100vw, 181px\" \/><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"height: 24px\">\n<td style=\"width: 33.3333%;height: 24px\">Trip Cancellation Insurance<\/td>\n<td style=\"width: 33.3333%;height: 24px\">&#8211;<\/td>\n<td style=\"width: 33.3333%;height: 24px\">up to<strong> $2,500<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 24px\">\n<td style=\"width: 33.3333%;height: 24px\">Trip interruption insurance<\/td>\n<td style=\"width: 33.3333%;height: 24px\">&#8211;<\/td>\n<td style=\"width: 33.3333%;height: 24px\">up to <strong>$5,000<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 48px\">\n<td style=\"width: 33.3333%;height: 48px\">Out-of-province\/country emergency medical coverage<\/td>\n<td style=\"width: 33.3333%;height: 48px\">Up to <strong>$5,000,000<\/strong> for <strong>15 days<\/strong><\/td>\n<td style=\"width: 33.3333%;height: 48px\">Up to <strong>$5,000,000<\/strong> for up to <strong>60 days<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 24px\">\n<td style=\"width: 33.3333%;height: 24px\">Flight delay insurance<\/td>\n<td style=\"width: 33.3333%;height: 24px\">Up to $500<br \/>\nafter 4 hours<\/td>\n<p><\/p>\n<td style=\"width: 33.3333%;height: 24px\">Up to $500<br \/>after 4 hours<\/td>\n<\/tr>\n<tr style=\"height: 24px\">\n<td style=\"width: 33.3333%;height: 24px\">Baggage Delay Insurance<\/td>\n<td style=\"width: 33.3333%;height: 24px\">Up to $500<br \/>\nafter 6 hours<\/td>\n<p><\/p>\n<td style=\"width: 33.3333%;height: 24px\">Up to $500<br \/>after 6 hours<\/td>\n<\/tr>\n<tr style=\"height: 24px\">\n<td style=\"width: 33.3333%;height: 24px\">Baggage loss or theft insurance<\/td>\n<td style=\"width: 33.3333%;height: 24px\">up to $500<\/td>\n<td style=\"width: 33.3333%;height: 24px\">up to<strong> $1,000<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 24px\">\n<td style=\"width: 33.3333%;height: 24px\">Hotel burglary insurance<\/td>\n<td style=\"width: 33.3333%;height: 24px\">up to $500<\/td>\n<td style=\"width: 33.3333%;height: 24px\">&#8211;<\/td>\n<\/tr>\n<tr style=\"height: 24px\">\n<td style=\"width: 33.3333%;height: 24px\">Rental car theft and damage insurance<\/td>\n<td style=\"width: 33.3333%;height: 24px\">up to <strong>$85,000<\/strong><\/td>\n<td style=\"width: 33.3333%;height: 24px\">up to $65,000<\/td>\n<\/tr>\n<tr style=\"height: 24px\">\n<td style=\"width: 33.3333%;height: 24px\">Travel accident insurance<\/td>\n<td style=\"width: 33.3333%;height: 24px\">$250,000<\/td>\n<td style=\"width: 33.3333%;height: 24px\"><strong>$500,000<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 24px\">\n<td style=\"width: 33.3333%;height: 24px\">Purchase Protection<\/td>\n<td style=\"width: 33.3333%;height: 24px\">1 additional year<\/td>\n<td style=\"width: 33.3333%;height: 24px\"><strong>2 additional years<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 24px\">\n<td style=\"width: 33.3333%;height: 24px\">Purchase Guarantee<\/td>\n<td style=\"width: 33.3333%;height: 24px\">Up to $1,000<br \/>\n90 days<\/td>\n<p><\/p>\n<td style=\"width: 33.3333%;height: 24px\">Up to $1,000<br \/><strong>180 days<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579523801{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: National Bank&#039;s World Elite Mastercard<sup>&reg;<\/sup>&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;advantage_national_bank_039_s_world_elite_mastercard_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/travel-national-bank-world-elite-mastercard\/\" target=\"_blank\" rel=\"noopener\">National Bank World Elite Mastercard<\/a> offers much more generous additional coverage than the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>.<\/p>\n<p>What&#8217;s more, it requires only <strong>a portion of<\/strong> travel purchases to be charged to the card. The <a href=\"https:\/\/milesopedia.com\/en\/avis\/cartes-credit\/cobalt-card-best-card-canada\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> Card, on the other hand, requires the entire trip to have been charged to it.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>So? Which card is the winner?<\/p>\n<p>In our opinion, these two credit cards <strong>complement each other<\/strong>. For everyday purchases, it&#8217;s the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>. For travel purchases and its insurance, it&#8217;s the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard.<\/a><\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> is the perfect way to do whatever you want with your points without breaking the bank! In addition, it stands out with:<\/p>\n<ul>\n<li>Its advantages for everyday purchases (credits for purchases in certain shops, access to show pre-sales, etc.);<\/li>\n<li>The absence of a minimum income requirement;<\/li>\n<li>Its points that can be used on anything;<\/li>\n<li>The possibility of transferring points to several other loyalty programs.<\/li>\n<\/ul>\n<p>While the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<\/a> stands out thanks to:<\/p>\n<ul>\n<li>Its $150 travel credit;<\/li>\n<li>Its robust travel insurance package, one of the best of any credit card;<\/li>\n<li>The possibility of using it at Costco;<\/li>\n<li>The opportunity to invest your points in an RRSP, TFSA or to pay off your mortgage;<\/li>\n<li>Unlimited access to the <a href=\"https:\/\/milesopedia.com\/en\/reviews\/airport-lounges\/national-bank-airport-lounge-montreal-trudeau\/\" target=\"_blank\" rel=\"noopener\">National Bank Lounge<\/a> before your trip to<a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/yul-montreal-trudeau\/\" target=\"_blank\" rel=\"noopener\"> Montreal-Trudeau International Airport<\/a>.<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621,401432\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-3\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card 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-->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div><div class=\"wpb_content_element 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Card.<\/p>","protected":false},"author":3,"featured_media":349126,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45831],"tags":[],"mc_loyalty_program":[690,700],"class_list":["post-321785","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","mc_issuer-american-express-canada-en","mc_issuer-national-bank-of-canada","mc_loyalty_program-american-express-membership-rewards","mc_loyalty_program-bnc-rewards","mc_market-all-of-canada","tutorial-comparisons"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- 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