Pros & Cons
Pros
- +Purchase protection included
- +No annual fee
Cons
- –Foreign Transaction Fee (2.5%)
Rewards
All Spending
0x
Cash Back pts per dollar
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Interest Rates
- Purchase Rate20.99%
- Cash Advance22.49%
- Foreign Transaction Fee2.5%
Terms & Conditions
Card Features
- Take advantage of a simple, efficient and convenient payment solution.
- Access funds from anywhere in the world.
- Protect your purchases with a purchase insurance program.
- Free yourself from liability for unauthorized purchases, thanks to the MasterCard® Zero Liability program.
Legal
Credit terms
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 is the greater of 5% of your account balance, plus any overdue amounts, or $10.
If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.
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% (regular card) | $9.24 | $55.45 |
| 20.99% (regular card) | $8.63 | $51.76 |
| 12.90% (Syncro card) | $5.30 | $31.81 |
| 8.90% (Syncro card) | $3.66 | $21.95 |
*Variable interest rate in effect on September 1, 2021.
Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
Related Cards
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. François Charron may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Banque Nationale. All trademarks are property of their respective owners.