National Bank Platinum Mastercard®

Rewards Calculator Algorithm

You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.


Total Spending

Modify your spending numbers and click update to get the most accurate reward estimates.

$0

Rewards based on $0 average spending

Card Details

Annual Rewards

$252.63

National Bank rewards

First Year Bonus

$0

National Bank rewards

Annual Fee

$70

First Year Value

$182.63

Interest Rates

Cash Advance: 22.49%

Purchase: 20.99%

Annual Fee

$70

Annual Income

Personal: N/A

Household: N/A

Credit Score

Very Good

Welcome Bonus

Up to 25,000 rewards points upon signing up and annual fee refunded in the first year for the primary cardholder and an additional user. Offer valid until October 31, 2024. Minimum purchase and insurance product required. Must be a first-time National Bank Mastercard credit card holder.

Card Type

Reward: Points

Our Rating

2.8/5

Institution

National Bank

Rewards


  • 2x points per $1 spent on eligible grocery and restaurant purchases (max $1,000 spent per month - 1.5 points after)
  • 1.5x points per $1 spent on eligible gas, electric vehicle charging, recurring bills, and travel booked through À La Carte Rewards
  • 1x point per $1.5 (0.66x point per $1) spent on all other eligible purchases

NationalBank Platinum Mastercard Points Calculator

Based on average spending


Rewards Breakdown

Food and drinks, Groceries

14,574 points


Gas, Recurring Transactions

5,500 points


All other purchases

7,995 points


Annual Fee

- $70


Net Annual Rewards

28,069 points

Valued at $182.63 (after fees)

Rewards Summary

Net Annual Rewards

28,069 points

Valued at $182.63 (after fees)


First Year Bonus

0 points


First Year Value

28,069 points

Valued at $182.63

Point Redemptions

Redemptions Chart

Travel through À La Carte Travel

$182.63


Travel

$171.4


Financial products

$165.79


Gift Cards

$140.52


Statement Credits

$42.28

Insurance & Benefits


Insurance

Coverage

  • purchase protection

    Purchase Protection

    180 days
  • extended warranty

    Extended Warranty

    Up to 2 years
  • travel accident medical

    Emergency Out of province Medical

    10 days
  • travel accident medical

    Emergency Medical Over 65

    10 days
  • travel - plane

    Trip Interruption

    $1,500
  • cancel airplane

    Trip Cancellation

    $1,000
  • baggage on roller

    Baggage Delay

    $500
  • hourglass timer

    Flight Delay

    $500
  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • car insurance

    Car Rental Damage & Theft

    yes
  • mobile device insurance

    Mobile Device Insurance

    $1,000

Benefits

Details

  • reward cup

    Extra points

    1.5 points on À La Carte Rewards

Pros & Cons


Pros

  • 2 points per $1 on groceries and restaurants (up to $1,000/month), which drops to 1.5 points after that.
  • Extensive insurance coverage: Includes 10 types of insurance, including some of the best purchase protection (180 days) and extended warranty (2 years).
  • Good for travel: Offers a flexible rewards program redeemable for travel, merchandise, or financial services.

Cons

  • Low base earn rate: Only 1 point per $1.50 spent on non-bonus categories.
  • Monthly cap: Only up to $1,000 for bonus categories like groceries and restaurants.
  • No welcome bonus: Unlike many other cards, this one doesn’t offer any sign-up rewards.

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