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National Bank Platinum Mastercard®
$50
$100
Until Aug 1, 2026National Bank Platinum Mastercard®
Credit Card · Apply through Finly
Cash back
$100
Finly rebate
$50$100
Get $50$100 rebate** on the National Bank Platinum Mastercard®
Stacks on top of the card’s welcome bonus
Apply through Finly to collect the card's welcome bonus from the issuer plus our Finly rebate on top — sent to your bank via Interac e-Transfer once your application is approved.
Promotional rebate expires on
Paid via INTERAC e-Transfer
Secure & private
$1,203,000+ paid out to Canadians
Read before you apply
Rebate eligibility & offer terms
These rules determine whether you qualify for the Finly rebate on this offer. Skim them before clicking apply.
* / ** Terms and conditions apply.
- Subject to approval.
- This offer is only valid for eligible new National Bank Platinum Mastercard cardholders.
- Each client is eligible for a maximum of 1 rebate on this product.
- Rebate processing can take 30-60 days from application submission date.
- Must submit your National Bank email address on your FinlyWealth account for verification.
The card
Why National Bank Platinum Mastercard®?
Issued by National Bank. Apply through Finly to earn an extra cash rebate on top of every reward this card offers.
How to earn the welcome bonus
Get up to 40,000 points1:
- 10,000 points when enrolling in credit card payment insurance for at least the first three months
- 15,000 points if you made $2,500 in purchases within the first three months
- 15,000 points if you made $10,000 in purchases within the first 12 months
Offer available June 30, 2026 to November 4, 2026
Earns rewards on
1x - 2x
Groceries
Dining
Gas
Subscriptions
- Earn up to 2 points per dollar in eligible grocery and restaurant purchases*
- 1.5 points per dollar in eligible gas and electric vehicle charging purchases, recurring bill payments and À la carte (TM) travel purchases*
- 1 point per 1.5 dollars in other purchases
With the À la carte Rewards Plan® (the “À la carte Plan”), you earn points for every dollar on eligible purchases. These points may be exchanged for rewards such as merchandise, a travel package, a gift card, a travel discount, a donation, a financial product, repayment with rewards points or any other reward offered under the À la carte Plan.
Fees & rates
Annual fee
$70$0 yr 1
Purchase interest
20.99%
Cash advance interest
22.49%
Foreign transaction
2.5%
Additional cards
$35
Credit recommended
Good
Built-in perks & coverage
Purchase Protection
Extended Warranty
Travel Medical Insurance (64 & under)
Travel Medical Insurance (65 to 75)
Trip Interruption
Trip Cancellation
Ready when you are
$100 is yours when you apply through Finly.
We e-Transfer your rebate via Interac after the financial institution confirms your sign-up. No portals, no points — just real cash.
Promotional rebate expires on
FAQ
Common questions, answered.
Still unsure? Reach out to support after signing up — we'll get back to you within a couple of business days.
Yes. The Finly rebate stacks with whatever sign-up offer or welcome bonus the institution provides. You get both.
Rebates are sent via Interac e-Transfer to the email on your Finly profile. Once your sign-up is verified, payments are typically processed within 10 days.
The financial institution reports the transaction back to us within a few days to a few weeks, depending on their reporting cadence. You can track the status from your Finly account.
Switching devices mid-application, using a VPN, ad blocker, or incognito mode can break our tracking cookies. Complete the application on a single device in one session for a smooth experience.
No — Finly rebates apply only to brand-new sign-ups. If the financial institution flags you as an existing customer for that product, the rebate won't apply.
Many premium credit cards require a minimum personal or household income. The required income (if any) is shown in the fees & rates panel above. The financial institution makes the final approval decision.
Each card targets a different credit profile. The recommended credit category is shown above. A higher score generally improves your odds of approval.
What Our Members Say
Real reviews from real users. See our full list of reviews on Trustpilot
Legal & disclosures
Disclosures from the issuing institution. Always confirm product terms directly with the issuer before applying.
Product legal content
Little details that matter
1Length of the welcome promotion
From June 30, 2026 to November 4, 2026.
Eligibility conditions
Sign up for a National Bank® Platinum Mastercard® credit card as a primary cardholder via the redirection link provided on the FinlyWealth websites during the promotion as a primary cardholder.
Have not held any National Bank personal Mastercard credit card as a primary cardholder during the past 12 months.
Keep the credit card account open and in good standing, in compliance with the Credit Card Agreement, until the annual fee refund and reward points are credited. For example, all minimum payments must be made on time.
Not be employed by National Bank of Canada or an entity in its group.
Description of the promotion
Up to 40,000 reward points upon enrollment, and a refund of the annual fee for the first year for the primary cardholder of a National Bank® Platinum Mastercard®.
Annual fees
The $70 annual fee for the primary cardholder will be refunded for the first year.
We will charge the annual fee to your new card account and then refund it. You will receive this refund within five months of opening your account, provided that your account remains open and in good standing. The refund will appear on your statement as a credit.
Annual fees related to authorized users’ cards are not eligible for this promotion.
Reward points
Points Offered | Conditions | When points are awarded |
|---|---|---|
10,000 | Enrollment in credit card payment insurance* for at least the first three months | Within two months following the minimum enrollment period |
15,000 | $2,500 in purchases within the first three months** | By the end of the 6th month following enrollment** |
15,000 | $10,000 in purchases within the first 12 months** | By the end of the 15th month following enrollment** |
* To apply for payment insurance, you must complete the sections related to the Credit Card Payment Protection Plan (CCPPP) included in the credit card application form.
** The purchase calculation period starts on the date you sign up for the card. For example, if you sign up on July 15, 2026, you have until October 15, 2026 to make the required $2,500 in purchases, and the 15000 points will be credited to your account by the end of January 2027.
How total purchases are calculated
The calculation is based on the total amount of purchases made using all cards linked to the account.
Transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards Plan™.
Other conditions
This promotion may only be used once per person.
Issuance of the card is subject to National Bank of Canada’s credit approval. Other conditions apply to the issuance of the card.
Unless otherwise indicated, this promotion cannot be combined with any other National Bank credit card promotion and is not retroactive.
This promotion may be modified or withdrawn without notice.
Minimum age | Age of majority in your province or territory of residence |
|---|---|
Legal status | Be a Canadian resident |
Number of points per $ spent 1 | Groceries and restaurants7: The amount of points earned on grocery and restaurant purchases depends on the total gross monthly amount charged to the credit card account, regardless of the purchase category.
Gas and electric vehicle charging: 1.5 points per dollar in eligible purchases8 Recurring bill payments: 1.5 points per dollar in eligible purchases9 À la carte TravelTM: 1.5 points per dollar in eligible purchases10 Other purchases: 1 point per $1.50 in eligible purchases11 Earn points even faster by adding another card to your account (e.g. for your spouse) or by booking travel through our À la carte Travel™ online agency. |
|---|---|
Travel deals 1 | With the À la carte Rewards Plan®, you have the freedom to travel with the agency and airline of your choice. For more information on travel rewards, go to rewards.nbc.ca |
À la carte Travel | Save on vacation packages and airline tickets when you redeem your points through the À la carte Travel™ online agency. Plan your entire trip with hotel and cruise bookings, car rentals and more. |
À la carte Extras | Invest in a financial product, save on your banking packages or pay your mortgage with your rewards points thanks to the À la carte Extras® |
Pay with rewards points | Pay your credit card balance with your rewards points directly in your online bank. For more details, visit our Pay with rewards points page page. |
Summary and insurance certificate | Consult the Purchase protection summary[PDF]| Travel insurance summary |Insurance Certificate[PDF] |
|---|---|
Zero Liability5 | Included |
Purchase protection against theft or damage4 | 180 days following the purchase date |
Extended warranty4 | Possibility of tripling the manufacturer's warranty (up to 2 additional years) |
Trip cancellation insurance4 | Up to $1,000 per person |
Trip interruption insurance4 | Up to $1,500 per person |
Out-of-province-of-residence medical/hospital insurance4 | Up to $5,000,000 per person for 10 days (76 and over: no coverage) If your trip is longer than these time periods, you will not be covered. |
Flight delay insurance4 | Up to $500 per person (over 4 hours) |
Baggage insurance in case of delay4 | Up to $500 per person (over 6 hours) |
Baggage insurance in case of theft or loss4 | Up to $1,000 per person |
Vehicle rental insurance4 | Against collision, theft or damage for a period of 48 days |
Medical, general and legal assistance4 | Included |
Mobile device insurance | Up to $1,000 in the event of accidental breakage, loss or theft for a maximum of 2 years after the purchase date12 |
Customer service (24/7) |
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|---|---|
À la carte Rewards Centre |
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Insurance claim and assistance |
|
Lost or stolen card |
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Chargeback |
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.
®Mastercard and Platinum Mastercard are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank
®À LA CARTE EXTRAS, À LA CARTE REWARDS PLAN, NATIONAL BANK and the NATIONAL BANK logo are registered trademarks of National Bank of Canada.
®THE TOTAL, THE CONNECTED, AND NATIONAL BANK are registered trademarks of National Bank of Canada.
*Platinum Mastercard®
National Bank of Canada® Platinum Mastercard® credit card was named the best credit card for young professionals by Milesopedia in 2025 and 2026. Each year, Milesopedia examines the credit card offers of the largest financial institutions and establishes its ranking according to more than 150 criteria such as fees, welcome offers, minimum income required, number of points per category, account credits, insurance, airport lounge access, etc.
1. Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points.
2. 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
Annual interest rate | Average balance | |
|---|---|---|
| $500 | $3,000 |
22.49% | $9.24 | $55.45 |
20.99% | $8.63 | $51.76 |
13.2% | $5.53 | $33.16 |
9.2% | $3.78 | $22.68 |
*Variable interest rate in effect on September 1, 2021
3. Balance transfers and cash advances are subject to credit approval by National Bank. Each balance transfer must be at least $250.
4. This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card, and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, their spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. 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.
5. Certain conditions apply. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.
6. Subject to credit approval by National Bank.
7. The amount of points earned on grocery and restaurant purchases depends on the total gross monthly amount charged to the credit card account, regardless of the purchase category. You will earn 2 points for every dollar in eligible grocery and restaurant purchases until a total of $1,000 in gross monthly purchases is charged to the account. After that, you will earn 1.5 points per dollar in eligible grocery and restaurant purchases. The total gross monthly amount is calculated based on your monthly billing period. Grocery purchases include any purchase made at a store that primarily sells food, i.e., grocery store, delicatessen, supermarket, greengrocer or specialty food store. Ready-to-eat meal services and meal delivery services are eligible. This definition excludes purchases made at retail stores and big box stores whose core business is the sale of non-food items. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. Restaurant purchases include purchases at a restaurant, fast food restaurant, bar, nightclub or pub. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®.
8. To earn 1.5 points per dollar in purchases, you will need to purchase gas or an electrical vehicle charge from a service station or from certain big box stores. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®.
9. Recurring bill payments are defined as monthly or regular payments automatically charged by a merchant to your National Bank Platinum Mastercard credit card. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. Certain payments therefore may not entitle you to earn more points.
10. To earn 1.5 points per dollar in purchases, you must make your eligible purchases via the À la carte TravelTM Agency section of our À la carte RewardsTM site.
11. The device must have been purchased using your National Bank Platinum Mastercard credit card, or your phone plan must be paid via recurring payments charged to your National Bank Platinum credit card starting September 1, 2022. For complete terms and conditions, please consult the insurance certificate associated with your card.
National Bank is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for a National Bank Card, (I/we) may receive compensation from National Bank, which can be in the form of monetary payment.