National Bank Platinum Business Mastercard vs RBC® Business Cash Back Mastercard‡

Length of the welcome promotion
 

From March 4 to September 16, 2025.
 

Eligibility conditions
 

• Sign up for a National Bank Platinum Business Mastercard® credit card during the promotion as a primary cardholder.
• Not have held one of our business Mastercard credit cards from National Bank over the past 24 months as a business primary cardholder.
• Keep the credit card account open until rewards points are paid.
• Keep the account in good standing by complying with the conditions set out in the Cardholder Agreement for Mastercard^®Business Cardsopens in a new tab until the rewards points are paid. For example, all minimum payments must be made on time.
• Not be employed by National Bank or one of its subsidiaries.
  

Description of the promotion
 

Up to up to 60,000 rewards points after signing up and annual fees reimbursed for the first year for the primary cardholder and the first additional authorized user.
 

Annual fees
 

No annual fees for the first year for the primary cardholder and the first additional authorized user.
 

We will charge annual fees to the account of your new card and reimburse those fees to you. You will receive this reimbursement within five months of opening your account, provided that your account remains open. It will appear on your statement in the form of a credit.
 

To benefit from the annual fee discount for the first additional authorized user’s card, you must add it to the account opening request.  

Annual fees associated with cards for other authorized users are not eligible for this promotion. 

How total purchases are calculated

The calculation is for the total amount of purchases made through all cards linked to the account. The transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards Planopens in a new tab^TM.
 

Other conditions

• You can only take advantage of the promotion once. 
• Issuance of the card is subject to credit approval by National Bank of Canada. Other conditions apply to the issue of the card.
• This promotion may not be combined with any other promotion or offer applicable to National Bank credit cards, nor is it retroactive.
• This promotion may be modified or withdrawn without notice.

Summary and insurance certificate

Consult the Purchase protection summaryopens in a new tab | Travel insurance summary | Insurance Certificate [PDF].
 

Compensation plan in the event of fraud

Up to $ 10,000 (see the Cardholder Agreement)
 

Purchase protection in the event of theft or damage ⁴

180-day purchase protection following the date of purchase
 

Extended warranty ⁴

Triple the manufacturer's warranty, up to 2 additional years
 

Flight departure delay insurance ⁴

Up to $500 per person (over 4 hours)
 

Baggage insurance in case of theft or loss ⁴

Up to $1,000 per person
 

Baggage insurance in case of delay ⁴

Up to $500 per person (over 6 hours)
 

Vehicle rental insurance ⁴

Against collision, theft or damage for a period of 48 days or less (theft of personal effects up to $2,000)
 

Travel insurance in case of accident aboard public transit ⁴

Up to $250,000
 

Safe online purchases

Mastercard^® ID Check^TM is a service that protects you against fraud by verifying your identity when making online purchases.

Easy Savings Program ⁵

With the Mastercard Easy Savings Programopens in a new tab you automatically receive discounts on eligible purchases at participating merchants. For a list of participating merchants, go to mastercard.ca/easysavings.

^®Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank
 

^®À LA CARTE REWARDS PLAN is a registered trademark of National Bank.
 

™À LA CARTE TRAVEL and À LA CARTE REWARDS are trademarks of National Bank of Canada. À la carte Travel is owned by Transat Distribution Canada Inc., holder of permit No. 753141 in Quebec.
 

1. Some restrictions apply. For more information, see the Rewards Plan section or the Points Earning Plan Rules.opens in a new tab
 

2. 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 cardopens in a new tab.
 

3. 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 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you are a business that chose the corporate responsibility, please refer to the cardholder agreement and account statement. Account statement: A statement is sent monthly.

*Variable interest rate in effect on April 24, 2023.

4. Subject to credit approval from National Bank. The total of all amounts transferred cannot exceed $5,000.
 

5. Certain conditions apply. Visit mastercard.caopens in a new tab for more information. Refer to the credit card terms and conditions.
 

6. Certain restrictions apply. You must, therefore, first pay for your trip in full with an eligible credit card to redeem your points. Your travel credit will take effect approximately 72 hours after the exchange. For more information, consult the Rewards plan section or the Plan rulesopens in a new tab regarding how to earn points.