6 Best National Bank Credit Cards in Canada for 2026
Published Jul 31, 2026 1:15 AM • 3 min read
National Bank boasts its own catalogue of best credit cards in Canada, including various options that cater to cashback, travel, and budget-conscious spending. Browse the top picks from this low-profile financial institution in this educational blog post.
Data-driven rankings of 120+ credit cards using a proprietary algorithm
Comprehensive analysis using 25+ data points including terms and conditions, points programs, and more
Objective editorial approach - we strive for unbiased reviews following our editorial guidelines
FinlyWealth's credit cards content, including rankings and recommendations, is overseen by a team of engineers and writers who specialize in credit cards, banking, and personal finance. Our work has been featured in The Globe and Mail, GoBankingRates, and AOL. Our proprietary analysis systems evaluate product features, terms, and conditions to deliver comprehensive reviews and comparisons while maintaining strict editorial standards for accuracy and integrity.
Best National Bank Credit Cards in Canada
Our choice for: Best Overall
on National Bank's website
Welcome Bonus
N/A
Annual Fee
$150
Interest Rates
20.99% / 22.49%
RECOMMENDED CREDIT SCORE
4.6/5
The National Bank World Elite Mastercard is a strong choice for frequent travelers who value rewards and comprehensive insurance coverage. With a generous earn rate on everyday spending categories like groceries and restaurants, it offers substantial value, especially if you redeem points for travel. The $150 annual travel credit effectively offsets the card's $150 annual fee, making this card almost "fee-free" if fully utilized. Additionally, the card’s airport lounge access, superior purchase protection, and extended warranties make it a great companion for those who prioritize convenience and peace of mind during their travels.
Pros
- High earn rates
- Annual travel credit
- Comprehensive insurance
- Unlimited airport lounge access
Cons
- High income requirements
- Annual fee
Rewards
- Earn up to 5 points per dollar in eligible grocery and restaurant purchases*
- 2 points per dollar in eligible gas and electric vehicle charging purchases, recurring bill payments and À la carteTM travel purchases*
- 1 point per 1 dollar in other purchases
Insurance
Coverage
Purchase Protection*
180 days
Extended Warranty*
Up to 2 years
Travel Medical Insurance (54 & under)
60 daysTravel Medical Insurance (55 to 64)
31 daysTravel Medical Insurance (65 to 75)
15 days
Trip Interruption
$5,000
Trip Cancellation
$2,500
Baggage Delay
$500Flight Delay
$500
Lost or Stolen Baggage
$1,000.svg)
Car Rental Damage & Theft
yes
Mobile Device Insurance
$1,000
Benefits
Details
Airport Lounge - National Bank
Unlimited access to the National Bank Lounge at Montréal-Trudeau Airport.svg)
Travel Credit
$150 refund per year on travel expenses (seat selection, airport parking, baggage fees, airline ticket upgrades and lounges)
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
Our choice for: Best Tiered Rewards
on National Bank's website
Welcome Bonus
N/A
Annual Fee
$115
Interest Rates
20.99% / 22.49%
RECOMMENDED CREDIT SCORE
2.9/5
The National Bank World Mastercard offers solid insurance coverage and flexible rewards that can be redeemed for travel or other perks. However, the reward tiers can be confusing, with points fluctuating based on your annual spending. The income requirements are also high for a card that doesn't offer an introductory bonus. The card’s strong suit is its travel insurance, which is particularly valuable for frequent travelers. If you don’t need the higher-tier benefits or find the tiered reward structure too complicated, consider alternatives like the National Bank Platinum Mastercard.
Pros
- Decent optimization
- Comprehensive coverage
- Flexible redemptions
Cons
- High income requirements
- Complex rewards structure
- No welcome bonus
- No benefits
- Annual fee
Rewards
Earn up to 2 points on all card purchases* without restrictions*
- 1.25x points per $1 spent on eligible purchases between $0 to $20,000 in the year
- 2x points per $1 spent on eligible purchases between $20,001 to $30,000 in the year
- 1.25x point per $1 spent on all eligible purchases more than $30,001 in the year
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.
Insurance
Coverage
Purchase Protection
180 daysExtended Warranty
2 yearsTravel Medical Insurance (54 & under)
60 daysTravel Medical Insurance (55 to 64)
31 daysTravel Medical Insurance (65 to 75)
15 daysTrip Interruption
$5,000Trip Cancellation
$2,500Baggage Delay
$500Flight Delay
$500Lost or Stolen Baggage
$1,000Car Rental Damage & Theft
Against collision, theft or damage for a period of 48 days or less (theft of personal effects up to $2,000)
Mastercard Zero Liability Protection
yes
Eligibility
Credit Score
GoodAnnual Income
$50,000 personal or $80,000 household
Our choice for: Best Accessible Travel
on National Bank's website
Finly Special Offer
Welcome Bonus
Get up to 40,000 points(1)
Annual Fee
$70 $0
Interest Rates
20.99% / 22.49%
RECOMMENDED CREDIT SCORE
3.6/5
The National Bank Platinum Mastercard is great for users who need solid insurance coverage but don’t want to meet the high income requirements of premium cards. Although its rewards program isn't the most generous, its travel flexibility, combined with purchase protection and extended warranties, makes it a reliable card for those who value security while traveling. At a $70 annual fee, it’s reasonably priced for what it offers, especially considering it extends travel insurance for users up to age 74.
Pros
- Decent optimization
- Extensive Coverage
- Good for travel
Cons
- Low base earn rate
- Monthly reward cap
Rewards
- 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 (TM) travel purchases*
- 1 point per 1.5 dollars in other purchases
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.
Insurance
Coverage
Purchase Protection
180 daysExtended Warranty
2 yearsTravel Medical Insurance (64 & under)
Up to $5,000,000 per person for 10 daysTravel Medical Insurance (65 to 75)
Up to $5,000,000 per person for 10 daysTrip Interruption
$1,500Trip Cancellation
$1,000Baggage Delay
$500Flight Delay
$500Lost or Stolen Baggage
$1,000Car Rental Damage & Theft
Against collision, theft or damage for a period of 48 daysMobile Device Insurance
$1,000Mastercard Zero Liability Protection
yes
Eligibility
Credit Score
GoodAnnual Income
N/A
Our choice for: Best Cashback
on National Bank's website
Welcome Bonus
N/A
Annual Fee
$30
Interest Rates
20.99% / 22.49%
RECOMMENDED CREDIT SCORE
3/5
The National Bank ECHO Cashback Mastercard is great for individuals who prioritize earning cash back on common spending categories like groceries, gas, and online shopping. Its unique feature of offering extra rewards for online purchases sets it apart from most Canadian credit cards. Moreover, the ability to redeem cash back anytime once you've earned $25 makes it a flexible option for users who don’t want to wait for an annual payout. With a low $30 annual fee, it provides a good balance of rewards and affordability.
Pros
- Decent cashback
- On-demand redemption
- Low annual fee
Cons
- Limited insurance
- Low base earn rate
Rewards
- 1.5% cash back on eligible online purchases, gas and groceries*
- 1% cash back on all other eligible purchases*
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
1 year
Eligibility
Credit Score
GoodAnnual Income
N/A
Our choice for: Best No-Fee Cashback
on National Bank's website
RECOMMENDED CREDIT SCORE
1.6/5
The National Bank mycredit Mastercard may look appealing with no annual fee and mobile device protection, but its low earn rate and limited insurance coverage leave much to be desired. While you do get 1% back on restaurants and recurring bills, 0.5% on everything else is subpar. If you're looking for a no-fee card with higher cash-back rates across more categories, there are better options available.
Pros
- No annual fee
- Mobile device insurance
Cons
- Low base earn rate
- Limited overall insurance coverage
Rewards
- 1% cash back on eligible recurring bills and restaurant purchases
- 0.5% cash back on all other eligible purchases
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
1 yearMobile Device Insurance
$1,000Mastercard Zero Liability Protection
yes
Eligibility
Credit Score
GoodAnnual Income
N/A
Our choice for: Best Charitable Option
on National Bank's website
RECOMMENDED CREDIT SCORE
2.1/5
The National Bank Allure Mastercard is perfect for those looking to support a charitable cause while earning cash back on everyday purchases. The ability to contribute to the Quebec Breast Cancer Foundation with each transaction makes it a feel-good card for socially conscious users. While the rewards rate isn’t the highest, the lack of an annual fee and discounts on partner gift cards add value, making it a decent choice for no-fee cardholders who want to maximize savings on select purchases.
Pros
- Charitable contributions
- No annual fee
- Discounts on gift cards
Cons
- Lower reward rates
- Limited insurance
Rewards
- Support the Quebec Breast Cancer Foundation, and earn cashback
- Get up to 1% cashback1 on gas, groceries, and online purchases
- Earn 1 point for every $2 spent
- Receive $10 cashback for each 1,000 points earned
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
1 yearMastercard Zero Liability Protection
yes
Eligibility
Credit Score
Very GoodAnnual Income
N/A
From Our Editors: The Full List of Best National Bank Credit Cards in Canada
Best Overall: National Bank World Elite Mastercard
The top National Bank Credit Card on this list is the National Bank World Elite Mastercard. This contender earns impressive National Bank Rewards points per dollar spent on eligible grocery and restaurant purchases, plus decent points on eligible gas, electric vehicle charging, recurring bills, and travel booked through À La Carte Rewards. The insurance coverage on this card is also strong, featuring protections like trip interruption, trip cancellation, and travel medical insurance. For benefits, cardholders can expect an annual travel credit, extra points on À La Carte Rewards purchases, and unlimited access to the National Bank Lounge at Montréal-Trudeau Airport. The catch? This competitor comes with a higher annual fee and some high income requirements. Find out more in our National Bank World Elite Mastercard Review.
Best Tiered Rewards: National Bank World Mastercard
For a unique tiered rewards system, consider the National Bank World Mastercard. This lower-fee contender offers some points per dollar spent on eligible purchases made between set spending thresholds. Essentially, the more you spend, the more you earn. That said, this system can be a little confusing. Luckily, the card also includes comprehensive insurance. Just note that there are still some annual income requirements! Read more in our National Bank World Mastercard Review.
Best Accessible Travel: National Bank Platinum Mastercard
For a more accessible travel option, try the National Bank Platinum Mastercard. In addition to points per dollar spent on groceries, dining, gas, electric vehicle charging, and recurring bills, this card also optimizes travel booked through À La Carte Rewards. To top it off, cardholders can expect comprehensive travel insurance, including travel medical coverage for those over 65. The best part? The annual fee is waived for the first year of membership. See more in our National Bank Platinum Mastercard Review.
Best Cashback: National Bank ECHO Cashback Mastercard
Perhaps you prefer cashback over points. In that case, consider the National Bank ECHO Cashback Mastercard. Even though the rates aren't particularly high, cardholders still collect cashback on eligible online purchases, gas, and groceries. The coverage on this card is pretty basic, offering only purchase protection and extended warranty insurance. Get all the details in our National Bank ECHO Cashback Mastercard Review.
Best No-Fee Cashback: National Bank mycredit Mastercard
If you want to avoid annual fees altogether, check out the National Bank mycredit Mastercard. This card earns cashback on eligible recurring bills and restaurant purchases. The insurance is standard for the most part, but also includes valuable mobile device insurance. For more information, read our National Bank mycredit Mastercard Review.
Best Charitable Option: National Bank Allure Mastercard
Another unique contender is the National Bank Allure Mastercard, a credit card built for socially conscious cardholders. While the National Bank Allure Mastercard might not be the most impressive rewards option, note that each transaction contributes to the Quebec Breast Cancer Foundation. The card also features no annual fee. Discover more in our National Bank Allure Mastercard Review.
Pros and Cons of National Bank Credit Cards
Here's a quick overview of the benefits and drawbacks of National Bank credit cards.
Pros | Cons |
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How to Apply for a National Bank Credit Card
To apply for any of the National Bank credit cards above, simply click the "Apply Now" button featured below your card of choice. Afterwards, you'll be redirected to the National Bank website to begin the application process. Credit card applications typically ask for personal information, such as your birthdate, email, and address. They may also request financial information, like your income, when applicable.
Frequently Asked Questions
National Bank credit cards may be worth it if you travel often through Montréal-Trudeau Airport, if you want strong insurance coverage for a low annual fee, or if you want to give back to the Quebec Breast Cancer Foundation.
The best National Bank credit card is the National Bank World Elite Mastercard. Geared primarily towards travellers, this card earns you National Bank Rewards points, has comprehensive travel coverage, and provides unlimited access to the National Bank Lounge at Montréal-Trudeau Airport.
The National Bank ECHO Cashback Mastercard offers some cashback rewards on eligible online purchases, gas, and groceries. Alternatively, the no-fee National Bank mycredit Mastercard earns cashback on eligible recurring bills and restaurant purchases.
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Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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