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
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
Loyalty Program: National Bank À la carte Rewards®
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 Ranking
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
180 days
Extended Warranty
Up to 2 years
Emergency Out of province Medical
10 daysEmergency Medical Over 65
10 days
Trip Interruption
$1,500
Trip Cancellation
$1,000
Baggage Delay
$500
Flight Delay
$500
Lost or Stolen Baggage
$1,000.svg)
Car Rental Damage & Theft
yes
Mobile Device Insurance
$1,000
Benefits
Details
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.