
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
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
N/A
Card & Reward Type
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
180 daysExtended Warranty
Up to 2 yearsEmergency Out of province Medical
60 daysEmergency Medical Over 65
15 daysTrip Interruption
$5,000Trip Cancellation
$2,500Baggage Delay
$500Flight Delay
$500Lost or Stolen Baggage
$1,000Car 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.