Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly's algorithm factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, etc.)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
What's on this Page
Card Details
Based on $2,000 spending
First Year Value
$247.87
$247.87 in years after
Annual Rewards
$277.87
National Bank À la carte Rewards®
First Year Bonus
$0
National Bank À la carte Rewards®
Annual Fee
$30
First Year Value
$247.87
Interest Rates
Purchase: 20.99%
Cash Advance: 22.49%
Balance Transfer: 22.49%
Annual Fee
$30
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
Welcome Bonus
N/A
Card & Reward Type
Our Rating
1.8/5
Institution
National Bank
Rewards
- 1.5% cash back on eligible online purchases, gas and groceries
- 1% cash back on all other eligible purchases
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
Up to 1 year
No additional benefits available for this card.
Pros & Cons
Pros
- 1.5% Cash Back: You earn 1.5% cash back on online purchases, gas, and groceries (up to $25,000 annual spend), which makes this card a strong option for everyday essentials.
- On-Demand Redemption: You can redeem your cash back anytime after earning $25, offering more flexibility than other cards that require waiting until the end of the year.
- Low Annual Fee: At only $30 annually, the fee is easily offset if you maximize the card's cash back potential.
Cons
- Limited Insurance: The card comes with basic insurance coverage, like extended warranty and purchase protection, but doesn’t offer extensive travel or other premium benefits.
- Lower Cash Back for Other Purchases: Purchases outside the bonus categories earn just 1% cash back, which is fairly standard but not competitive for high spenders.