National Bank Syncro™ Mastercard® Review

Length of the welcome promotion 

From October 1, 2025, to March 3, 2026

Eligibility conditions

• Sign up for a National Bank® Syncro™ Mastercard® credit card during the promotion as a primary cardholder.
• Not have held one of our Mastercard credit cards for personal banking from National Bank over the past 12 months as a primary cardholder.  
• Keep the credit card account open until the annual fees are refunded, and the bonus is awarded.
• Keep the account in good standing by complying with the conditions set out in the credit card agreement, until the annual fees are refunded and the bonus is awarded. For example, all minimum payments must be made on time.  
• Not be employed by National Bank or one of its subsidiaries. 

Description of the promotion

The annual fees will be refunded for the first year for the primary cardholder, and a $70 cashback bonus will be credited to the account if $5,000 in net purchases are made within the first 12 months of card membership.  

Annual fees 

Refund of annual fees in the first year for the primary cardholder.  

These annual fees will be charged to your new card account, and we will refund these fees. You will receive this refund within three months of account opening, provided your account is still open and in good standing. It will appear on your statement as a credit.  

Bonus payment  

You may receive $70 as a cashback bonus to your account if a minimum of $5,000 in net purchases is charged to the credit card account within the first 12 months of account opening.  

You will receive this cashback bonus within fifteen months of account opening, provided your account is still open and in good standing. It will appear on your statement as a credit.  

The net purchases calculation period begins on the card membership date. For example, if you sign up for the card on November 25, 2025, you have until November 25, 2026, to complete the required $5,000 in net purchases to qualify for the $70 cashback bonus, and it will be credited to your account by the end of February 2027.  

How purchases are calculated  

The total of purchases made with all cards linked to the account is considered.  

The following transactions are not counted toward the total purchases: cash advances; balance transfers; Mastercard checks; interest; non-interest fees (such as annual fees, currency conversion fees, and insurance premiums); purchase returns

Other conditions  

• You can only benefit from the promotion once.  
• The card is subject to National Bank's credit approval. Other conditions apply to the issuance of the card.  
• This promotion cannot be combined with another promotion applicable to National Bank's credit cards and is not retroactive.  
• This promotion may be changed or withdrawn without notice. 

To learn more about the terms applicable to your card, read the Credit card Agreement[PDF].

There are two main elements of a joint credit card:

• The primary cardholder’s name will be the one that appears on the credit card contract. This person can decide to add up to three authorized users to their account, as well as remove them at any time. They must meet all the eligibility criteria to apply for a credit card. 
• An authorized user has their own card and PIN. However, all transactions made by that person are charged to the primary cardholder’s account. An authorized user could be a spouse, a child aged 16 or older, or a friend. The designated person doesn’t need to meet all of the eligibility criteria to access their card. 

Please remember that the primary cardholder is responsible for paying any outstanding balances and managing the account. This also means that they’re the ones who will receive any cashback generated by the account. If any disagreements or separations occur, the authorized users and primary cardholder must agree on how to proceed. 

The authorized user doesn’t receive a statement and doesn’t have access to transaction details and account information, including the credit card limit. However, both cardholders can enjoy the benefits of their card. They can also change their respective PINs, as well as cancel or replace their cards.

How do I get a joint credit card?

If you’re applying for a new credit card, answer “Yes” to the “Do you need an additional card” question in our application form.

If you’d like an additional card for an existing account, fill out our credit card application or call us at 1-888-622-2783. 

Please note that there’s an annual fee for an additional credit card. 

To learn about how we protect your information, consult our Confidentiality Policies.

TM SYNCRO is a trademark of National Bank of Canada.

® Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank

™ ID Check and Identity Check are trademarks of Mastercard International Inc. Authorized user: National Bank.

® Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries and regions. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions. 

® Google Pay is a trademark of Google LLC and this content is not endorsed by or affiliated with Google in any way.

1. This coverage applies to purchases charged to the National Bank Syncro card. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.

2. The prime rate refers to the annual variable interest rate posted by National Bank, from time to time, and used by National Bank to determine the interest rates on the demand loans it grants in Canadian dollars in Canada.

3. The interest rate for the SyncroTM credit card consists of a variable prime rate set by National Bank plus a fixed adjustment rate of 4% for purchases and 8% for balance transfers and cash advances. Please note that the annual interest rate for the SyncroTM credit card will not be less than 8.9% for purchases and 12.9% for balance transfers and cash advances.

4. Balance transfers and cash advances are subject to credit approval by National Bank. Each balance transfer must be at least $250.

5. Subject to credit approval by National Bank.

6. Certain conditions apply. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.

7. Grace period:

No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

*Variable interest rate in effect on September 1, 2021

8. You will receive a response confirming that your request has been approved, denied, or is in progress. Please note that if your request is in progress, we will ask you for additional information.