National Bank World 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
$303.75
National Bank rewards
First Year Bonus
$0
National Bank rewards
Annual Fee
$115
First Year Value
$188.75
Interest Rates
Cash Advance: 22.49%
Purchase: 20.99%
Annual Fee
$115
Annual Income
Personal: $50,000
Household: $80,000
Credit Score
Very Good
Welcome Bonus
N/A
Card Type
Reward: Points
Loyalty Program: National Bank À la carte Rewards®
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
NationalBank World Mastercard Points Calculator
Based on average spending
Rewards Ranking
Rewards Breakdown
others
30,000 points
All other purchases
3,750 points
Annual Fee
- $115
Net Annual Rewards
33,750 points
Valued at $188.75 (after fees)
Rewards Summary
Net Annual Rewards
33,750 points
Valued at $188.75 (after fees)
Welcome Bonus
0 points
First Year Value
33,750 points
Valued at $188.75
Point Redemptions
Redemptions Chart
Travel through À La Carte Travel
$188.75
Travel
$175.25
Financial products
$168.5
Gift Cards
$138.12
Statement Credits
$20
Insurance & Benefits
Insurance
Coverage
Purchase Protection
180 days
Extended Warranty
Up to 2 years
Emergency Out of province Medical
60 daysEmergency Medical Over 65
15 days
Trip Interruption
$5,000
Trip Cancellation
$2,500
Baggage Delay
$500
Flight Delay
$500
Lost or Stolen Baggage
$1,000.svg)
Car Rental Damage & Theft
yes
- • Out of Province Medical insurance up to $5 million
- • Trip Cancellation Insurance up to $2500 per person
- • Trip interruption Insurance up to $5000 per person
- • Flight delay insurance up to $500
- • Baggage loss, damage or stolen up to $1000 per person and $500 for delay
- • Car Rental Theft and damage insurance up to $65000 and up to $2000 per vehicle rental for personal effects ($1K per person)
- • Purchase Protection Insurance up to 180 days
- • Extended Warranty Insurance tripled up to 2 years
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.