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Card Details
Interest Rates
Purchase: 20.99%
Cash Advance: 22.49%
Balance Transfer: 22.49%
Annual Fees
Main Card: $150
Additional Cards: $50
Annual Income
Personal: $80,000
Household: $150,000
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
5,000 points in month 6, after having $5K in net purchases within 3 months. 10,000 points in month 9, after having $10K in net purchases within 6 months. 20,000 points in month 15, after having $15K in net purchases within 12 months.
Card & Reward Type
Finly Rating
3.6/5
Institution
National Bank
How You Earn Rewards
- 5x points per $1 spent on eligible grocery and restaurant purchases
- 2x points per $1 spent on eligible gas, electric vehicle charging, recurring bills, and travel booked through À La Carte Rewards
- 1x point per $1 spent on all other purchases
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Purchase Protection
180 days
Extended Warranty
Up to 2 years
Emergency Medical Term
60 daysEmergency Medical (65+)
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)
Extra points
2 points on À La Carte Rewards
Pros & Cons
Pros
- High Earn Rates: Earn up to 5 points per $1 spent on groceries and restaurants, and 2 points per $1 on gas, recurring bills, and travel booked through National Bank’s À La Carte Rewards.
- Annual $150 Travel Credit: Get reimbursed for common travel expenses such as checked bag fees, airport parking, and seat selection.
- Comprehensive Insurance: Includes 10 types of insurance, making it one of the most robust insurance packages for travel and purchase protection.
Cons
- High Income Requirements: Requires a personal income of $80,000 or a household income of $150,000, limiting eligibility for some.