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Best for: Overall value

You earn 1.25x on groceries and 1.25x at restaurants. Estimated first-year value is $223.

Annual Fee
$115
Rewards rate
1.25x

NBC Rewards

Welcome Bonus
1st Year Value
$223

Pros

  • Simple and straightforward

Cons

  • No welcome bonus
  • Requires good credit
Best for: First-Year Annual Fee Rebate

The National Bank Platinum Mastercard® offers a first year annual fee rebate (regular fee $70/yr). It comes with a welcome bonus of 40,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $738.

First-Year Annual Fee Rebate
Annual Fee
$70 $0
Rewards rate
0.67x

NBC Rewards

Welcome Bonus
40,000 points

Ends Nov 4, 2026

1st Year Value
$738

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of 40,000 points
  • 2x on groceries
  • 2x at restaurants

Cons

  • Fewer premium perks
Best for: No annual fee

The National Bank mycredit™ Mastercard® has no annual fee, making it risk-free to hold. You earn 0.5x on groceries and 1x at restaurants. Estimated first-year value is $192.

Annual Fee
$0
Rewards rate
0.5x

Cash Back

Welcome Bonus
1st Year Value
$192

Pros

  • No annual fee

Cons

  • No welcome bonus
Best for: Cash back

National Bank Syncro™ Mastercard® from Banque Nationale — listed in our catalog.

Annual Fee
$35
Rewards rate
Welcome Bonus
1st Year Value

Pros

  • Simple and straightforward

Cons

  • No welcome bonus
  • Modest reward rates
Best for: No annual fee

The National Bank MC1® Mastercard® has no annual fee, making it risk-free to hold.

Annual Fee
$0
Rewards rate
Welcome Bonus
1st Year Value

Pros

  • No annual fee

Cons

  • No welcome bonus
  • Modest reward rates
Best for: No annual fee

The National Bank® Allure® Mastercard® has no annual fee, making it risk-free to hold. You earn 0.5x on groceries and 0.5x at restaurants. Estimated first-year value is $150.

Annual Fee
$0
Rewards rate
0.5x

Cash Back

Welcome Bonus
1st Year Value
$150

Pros

  • No annual fee

Cons

  • No welcome bonus
  • Modest reward rates