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Card Details
Interest Rates
Purchase: 20.99%
Cash Advance: 22.49%
Balance Transfer: 22.49%
Annual Fees
Main Card: $115
Additional Cards: $35
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
How You Earn 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
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
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
$500Flight Delay
$500
Lost or Stolen Baggage
$1,000.svg)
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.