- Welcome Offer: Get 2,000 AIR MILES Bonus Miles!* That’s enough for $210 towards your purchases with AIR MILES Cash!* Plus, get the $120 annual fee waived for your first anniversary
- Earn over 10x faster than other AIR MILES collectors: Get 3x the Miles for every $12 spent at participating AIR MILES Partners and 2x the Miles for every $12 spent at any eligible grocery store*.
- 2x the Miles for every $12 spent at any eligible wholesale clubs, membership-based retailers and alcohol retailers*
- Plus, 1 Mile for every $12 that you spend with your credit card everywhere else*
- Plus, you now have the flexibility to move your Miles between Cash and Dream with our new Transfer Miles feature, so if you want to turn your Cash Miles into a dream vacation, go for it!
- Enjoy a 7¢/L discount on Shell V-Power®± premium fuel and 2¢/L on all other Shell fuel every time you fuel up!
- Plus, you now have the flexibility to move your Miles between Cash and Dream with our new Transfer Miles feature, so if you want to turn your Cash Miles into a dream vacation, go for it!
- Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
- Use less Miles with our exclusive 25% discount on one worldwide AIR MILES flight redemption during the calendar year.*
- BMO AIR MILES World Elite Travel and Medical Protection*
- Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
- BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
- *Terms and conditions apply
Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $120 | 20.99% | 23.99% | 23.99% (21.99% for Quebec residents) |
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- Welcome Offer: Get 2,000 AIR MILES Bonus Miles!* That’s enough for $210 towards your purchases with AIR MILES Cash!* Plus, get the $120 annual fee waived for your first anniversary
- Earn over 10x faster than other AIR MILES collectors: Get 3x the Miles for every $12 spent at participating AIR MILES Partners and 2x the Miles for every $12 spent at any eligible grocery store*.
- 2x the Miles for every $12 spent at any eligible wholesale clubs, membership-based retailers and alcohol retailers*
- Full credit card details
- Earn up to 2 points per dollar in eligible grocery and restaurant purchases* 1.5 points per dollar in eligible gas and electric vehicle charging purchases, recurring bill payments and À la carte travel purchases* 1 point per 1.5 dollars in other purchases
- Reassuring protection. Travel with peace of mind thanks to our comprehensive insurance coverage up to 10 days
- Out-of-province-of-residence medical/hospital insurance, Departure flight delay insurance, Baggage insurance in case of delay, Baggages insurance in case of theft or loss, Vehicule rental insurance
- Mobile devices insurance against theft or damages for a period of up to 2 years
- Medical, general and legal assistance
- Purchase protection in case of theft or damage*
- Extended Warranty*
- With the À la carte Rewards Plan® (the “À la carte Plan”), you earn points for every dollar on eligible purchases. These points may be exchanged for rewards such as merchandise, a travel package, a gift card, a travel discount, a donation, a financial product, repayment with rewards points or any other reward offered under the À la carte Plan.
- National Bank ranks #1 among credit card issuers for Customer Experience according to the Forrester CX Index1.
- To take advantage of this welcome offer, you must not currently hold a personal National Bank Mastercard credit card or have held one in the last 24 months
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 will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. 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% | $9.24 | $55.45 |
20.99% | $8.63 | $51.76 |
12.90% | $5.30 | $31.81 |
8.9% | $3.66 | $21.95 |
*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.
Details of eligible rewards points
Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points.
The amount of points earned on grocery and restaurant purchases depends on the total gross monthly amount charged to the credit card account, regardless of the purchase category. You will earn 5 points for every dollar in eligible grocery and restaurant purchases until a total of $2,500 in gross monthly purchases is charged to the account. After that, you will earn 2 points per dollar in eligible grocery and restaurant purchases. The total gross monthly amount is calculated based on your monthly billing period. Grocery purchases include any purchase made at a store that primarily sells food, i.e., grocery store, delicatessen, supermarket, greengrocer or specialty food store. Ready-to-eat meal services and meal delivery services are eligible. This definition excludes purchases made at retail stores and big box stores whose core business is the sale of non-food items. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. Restaurant purchases include purchases at a restaurant, fast food restaurant, bar, nightclub or pub. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®.
To earn 2 points per dollar in purchases, you will need to purchase gas or an electrical vehicle charge from a service station or from certain big-box stores. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®.
Recurring bill payments are defined as monthly or regular payments automatically charged by a merchant to your National Bank World Elite Mastercard credit card. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. Certain payments therefore may not entitle you to earn more points.
To earn 2 points per dollar in purchases, you must make your eligible purchases via the À la carte TravelTM Agency section of our À la carte RewardsTM site.
For example, if each month you charge $400 in groceries, $200 in gas, $100 in recurring bill payments and $150 in other purchases to your card, your $850 in purchases will earn you 2,750 points, as follows: 2,000 points for grocery purchases (since the total gross monthly amount is $850, i.e., under $2,500), 400 points for gas purchases, 200 points for recurring bill payments and 150 points for other purchases.
Travel and health insurance conditions
This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card, and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, their spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. 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.
Mobile device protection
The device must have been purchased using your National Bank Platinum Mastercard credit card, or your phone plan must be paid via recurring payments charged to your National Bank Platinum credit card starting September 1, 2022. For complete terms and conditions, please consult the insurance certificate associated with your card.
Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $70 | 20.99% | 22.49% | 22.49% |
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- Earn up to 2 points per dollar in eligible grocery and restaurant purchases* 1.5 points per dollar in eligible gas and electric vehicle charging purchases, recurring bill payments and À la carte travel purchases* 1 point per 1.5 dollars in other purchases
- Reassuring protection. Travel with peace of mind thanks to our comprehensive insurance coverage up to 10 days
- Out-of-province-of-residence medical/hospital insurance, Departure flight delay insurance, Baggage insurance in case of delay, Baggages insurance in case of theft or loss, Vehicule rental insurance
- Full credit card details
- 15,000-Aeroplan® Mile Welcome Bonus
- Earn 1 Aeroplan Mile for every $1 spent using your card
- Earn 1.5 Aeroplan Miles for every $1 spent at gas stations, grocery stores, drug stores and on purchases at aircanada.com (excluding Air Canada® Vacation packages)
- Get exclusive Air Canada and Visa Infinite travel benefits
Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $120 | 19.99% | 22.99% | 22.99% |
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- 15,000-Aeroplan® Mile Welcome Bonus
- Earn 1 Aeroplan Mile for every $1 spent using your card
- Earn 1.5 Aeroplan Miles for every $1 spent at gas stations, grocery stores, drug stores and on purchases at aircanada.com (excluding Air Canada® Vacation packages)
- Full credit card details
- 4% cash back on gas and groceries, 2% on Tim Hortons® and TELUS® purchases and 1% on everything else
- No limit on the cash back you can earn
- Comprehensive insurance benefits, including Out-of-Province Emergency Travel Medical Insurance (first 15 days, age 64 or under)
- Enjoy the benefits of the Visa Infinite program, including access to luxury worldwide travel and hotels
Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $99 | 19.99% | 22.99% | 22.99% |
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- 4% cash back on gas and groceries, 2% on Tim Hortons® and TELUS® purchases and 1% on everything else
- No limit on the cash back you can earn
- Comprehensive insurance benefits, including Out-of-Province Emergency Travel Medical Insurance (first 15 days, age 64 or under)
- Full credit card details