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NationalBank World Mastercard

National Bank World Mastercard
Review

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Card Details

Interest Rates


Purchase: 20.99%

Cash Advance: 22.49%

Balance Transfer: 22.49%

Annual Fee


$115

Annual Income


Personal: $50,000

Household: $80,000

Credit Score Estimate


300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Welcome Bonus


N/A

Card & Reward Type


Card Type: Credit

Reward Type: Points

Our Rating


2.9/5

Institution


National Bank

Rewards


  • 1.25x points per $1 spent on eligible purchases between $0 to $20,000 in the year
  • 2x points per $1 spent on eligible purchases between $20,001 to $30,000 in the year
  • 1.25x point per $1 spent on all eligible purchases more than $30,001 in the year

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

    60 days
  • travel accident medical

    Emergency Medical Over 65

    15 days
  • pause

    Trip Interruption

    $5,000
  • cancel airplane

    Trip Cancellation

    $2,500
  • hourglass timer

    Baggage Delay

    $500
  • hourglass timer

    Flight Delay

    $500
  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • car insurance

    Car Rental Damage & Theft

    yes

No additional benefits available for this card.

Pros & Cons


Pros

  • Up to 2 points per $1 spent on purchases, especially flights booked through National Bank Rewards.
  • Comprehensive insurance: 9 types of coverage, including travel medical insurance up to age 74 and purchase protection.
  • Flexible rewards: Points can be redeemed for travel, merchandise, gift cards, or financial services.

Cons

  • High income requirements: $50,000 personal or $80,000 household.
  • Complex rewards structure: Points earned vary depending on annual spending tiers.
  • No welcome bonus: Unlike many competing cards, there’s no sign-up incentive.
Rewards Breakdown

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