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.
Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
Card Details
Based on $2,000 spending
First Year Value
$188.75
$188.75 in years after
Annual Rewards
$303.75
National Bank À la carte Rewards®
First Year Bonus
$0
National Bank À la carte Rewards®
Annual Fee
$115
First Year Value
$188.75
While the first year bonus value here shows $0, the actual welcome bonus for this credit card is valued at $225 when you meet the minimum spending or other listed requirements. The value of $0 here was derived based on numbers in the spending inputs.
Interest Rates
Cash Advance: 22.49%
Purchase: 20.99%
Balance Transfer: 22.49%
Annual Fee
$115
Annual Income
Personal: $50,000
Household: $80,000
Credit Score
Very Good
Welcome Bonus
N/A
Card Type
Category: 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
National Bank World Mastercard Points Calculator
Based on $2,000 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)
First Year Card Bonus
0 points
First Year Card 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 days
Emergency 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
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Car Rental Damage & Theft
yes
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.