National Bank Platinum Mastercard® Review

¹Length of the welcome promotion

From June 30, 2026 to November 4, 2026.

Eligibility conditions

Sign up for a National Bank® Platinum Mastercard® credit card as a primary cardholder via the redirection link provided on the FinlyWealth websites during the promotion as a primary cardholder.

Have not held any National Bank personal Mastercard credit card as a primary cardholder during the past 12 months.

Keep the credit card account open and in good standing, in compliance with the Credit Card Agreement, until the annual fee refund and reward points are credited. For example, all minimum payments must be made on time.

Not be employed by National Bank of Canada or an entity in its group.

Description of the promotion

Up to 40,000 reward points upon enrollment, and a refund of the annual fee for the first year for the primary cardholder of a National Bank® Platinum Mastercard®.

Annual fees

The $70 annual fee for the primary cardholder will be refunded for the first year.

We will charge the annual fee to your new card account and then refund it. You will receive this refund within five months of opening your account, provided that your account remains open and in good standing. The refund will appear on your statement as a credit.

Annual fees related to authorized users’ cards are not eligible for this promotion.

Reward points

* To apply for payment insurance, you must complete the sections related to the Credit Card Payment Protection Plan (CCPPP) included in the credit card application form.

** The purchase calculation period starts on the date you sign up for the card. For example, if you sign up on July 15, 2026, you have until October 15, 2026 to make the required $2,500 in purchases, and the 15000 points will be credited to your account by the end of January 2027.

How total purchases are calculated

The calculation is based on the total amount of purchases made using all cards linked to the account.

Transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards Plan™.

Other conditions

This promotion may only be used once per person.

Issuance of the card is subject to National Bank of Canada’s credit approval. Other conditions apply to the issuance of the card.

Unless otherwise indicated, this promotion cannot be combined with any other National Bank credit card promotion and is not retroactive.

This promotion may be modified or withdrawn without notice.

To learn more about the terms applicable to your card, read the Credit card Agreement[PDF].

There are two main elements of a joint credit card:

• The primary cardholder’s name will be the one that appears on the credit card contract. This person can decide to add up to three authorized users to their account, as well as remove them at any time. They must meet all the eligibility criteria to apply for a credit card. 
• An authorized user has their own card and PIN. However, all transactions made by that person are charged to the primary cardholder’s account. An authorized user could be a spouse, a child aged 16 or older, or a friend. The designated person doesn’t need to meet all of the eligibility criteria to access their card. 

Please remember that the primary cardholder is responsible for paying any outstanding balances and managing the account. This also means that they’re the ones who will receive any cashback generated by the account. If any disagreements or separations occur, the authorized users and primary cardholder must agree on how to proceed. 

The authorized user doesn’t receive a statement and doesn’t have access to transaction details and account information, including the credit card limit. However, both cardholders can enjoy the benefits of their card. They can also change their respective PINs, as well as cancel or replace their cards.

How do I get a joint credit card?

If you’re applying for a new credit card, answer “Yes” to the “Do you need an additional card” question in our application form.

If you’d like an additional card for an existing account, fill out our credit card application or call us at 1-888-622-2783. 

Please note that there’s an annual fee for an additional credit card. 

To learn about how we protect your information, consult our Confidentiality Policies.

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

^®À LA CARTE EXTRAS, À LA CARTE REWARDS PLAN, NATIONAL BANK and the NATIONAL BANK logo are registered trademarks of National Bank of Canada. 

^®THE TOTAL, THE CONNECTED, AND NATIONAL BANK are registered trademarks of National Bank of Canada.

*Platinum Mastercard^®

National Bank of Canada^® Platinum Mastercard^® credit card was named the best credit card for young professionals by Milesopedia in 2025 and 2026. Each year, Milesopedia examines the credit card offers of the largest financial institutions and establishes its ranking according to more than 150 criteria such as fees, welcome offers, minimum income required, number of points per category, account credits, insurance, airport lounge access, etc.

1. Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points. 

2. 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

*Variable interest rate in effect on September 1, 2021

3. Balance transfers and cash advances are subject to credit approval by National Bank. Each balance transfer must be at least $250.

4. 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.

5. Certain conditions apply. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.

6. Subject to credit approval by National Bank.

7. 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 2 points for every dollar in eligible grocery and restaurant purchases until a total of $1,000 in gross monthly purchases is charged to the account. After that, you will earn 1.5 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^®.

8. To earn 1.5 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^®.

9. Recurring bill payments are defined as monthly or regular payments automatically charged by a merchant to your National Bank Platinum 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.

10. To earn 1.5 points per dollar in purchases, you must make your eligible purchases via the À la carte Travel^TM Agency section of our À la carte Rewards^TM site.

11. 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.