How much is the value of 1,000 National Bank À la carte Rewards® points?

Redemption Option	Average Value
Travel through À La Carte Travel	0.9¢ / point
Travel	0.86¢ / point
Financial Products	0.84¢ / point
Gift Cards	0.75¢ / point
Statement Credits (Cash)	0.4¢ / point

Best Credit Cards for the National Bank À la carte Rewards® Loyalty Program

These credit cards will give you the most rewards and benefits to optimize for National Bank À la carte Rewards® points

National Bank World Elite® Mastercard®

3.6

Finly Rating

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Welcome Bonus

Up to 35,000 points

First Year Value

$543.1

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

$150

Interest Rates

20.99% / 22.49%

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

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Our Take

The National Bank World Elite Mastercard is a strong choice for frequent travelers who value rewards and comprehensive insurance coverage. With a generous earn rate on everyday spending categories like groceries and restaurants, it offers substantial value, especially if you redeem points for travel. The $150 annual travel credit effectively offsets the card's $150 annual fee, making this card almost "fee-free" if fully utilized. Additionally, the card’s airport lounge access, superior purchase protection, and extended warranties make it a great companion for those who prioritize convenience and peace of mind during their travels.

Pros & Cons

Pros

High Earn Rates: Earn up to 5 points per $1 spent on groceries and restaurants, and 2 points per $1 on gas, recurring bills, and travel booked through National Bank’s À La Carte Rewards.
Annual $150 Travel Credit: Get reimbursed for common travel expenses such as checked bag fees, airport parking, and seat selection.
Comprehensive Insurance: Includes 10 types of insurance, making it one of the most robust insurance packages for travel and purchase protection.

Cons

High Income Requirements: Requires a personal income of $80,000 or a household income of $150,000, limiting eligibility for some.

Card Details

Rewards

5x points per $1 spent on eligible grocery and restaurant purchases
2x points per $1 spent on eligible gas, electric vehicle charging, recurring bills, and travel booked through À La Carte Rewards
1x point per $1 spent on all other purchases

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
Car Rental Damage & Theft
yes
Mobile Device Insurance
$1,000

Benefits

Details

Airport Lounge - National Bank
Unlimited access to the National Bank Lounge at Montréal-Trudeau Airport
Travel Credit
$150 refund per year on travel expenses (seat selection, airport parking, baggage fees, airline ticket upgrades and lounges)
Extra points
2 points on À La Carte Rewards

Eligibility

Credit Score
Very Good
Annual Income
$80,000 personal or $150,000 household

Best Credit Cards for the National Bank À la carte Rewards® Loyalty Program

National Bank À la carte Rewards® Program Breakdown

National Bank À la carte Rewards® Points Value in Increments

	Optimal Redemption Value 0.9¢ / point		Optimal Redemption Value 0.9¢ / point
1 point	$0.009	60,000 points	$540
10 points	$0.09	65,000 points	$585
100 points	$0.9	70,000 points	$630
1,000 points	$9	75,000 points	$675
2,500 points	$22.5	80,000 points	$720
5,000 points	$45	85,000 points	$765
10,000 points	$90	90,000 points	$810
15,000 points	$135	95,000 points	$855
20,000 points	$180	100,000 points	$900
25,000 points	$225	125,000 points	$1,125
30,000 points	$270	150,000 points	$1,350
35,000 points	$315	200,000 points	$1,800
40,000 points	$360	250,000 points	$2,250
45,000 points	$405	500,000 points	$4,500
50,000 points	$450	750,000 points	$6,750
55,000 points	$495	1,000,000 points	$9,000