Optimize Credit Cards
Brokerages & Banks
Travel
Shop
Earn Cash Back
Blog
Support
Refer & Earn 25%
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 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.
$2,000
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
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.
Card Details
Interest Rates
Cash Advance: 22.49%
Purchase: 20.99%
Balance Transfer: 22.49%
Annual Fee
$70
$0
First Year Waived
Annual Income
Personal: N/A
Household: N/A
Credit Score
Very Good
Welcome Bonus
Up to 25,000 rewards points upon signing up and annual fee refunded in the first year for the primary cardholder and an additional user. Offer valid until October 31, 2024. Minimum purchase and insurance product required. Must be a first-time National Bank Mastercard credit card holder.
Card Type
Category: Points
Loyalty Program: National Bank À la carte Rewards®
Our Rating
2.8/5
Institution
National Bank
Rewards
- 2x points per $1 spent on eligible grocery and restaurant purchases (max $1,000 spent per month - 1.5 points after)
- 1.5x points per $1 spent on eligible gas, electric vehicle charging, recurring bills, and travel booked through À La Carte Rewards
- 1x point per $1.5 (0.66x point per $1) spent on all other eligible purchases
Calculating reward breakdowns
Insurance & Benefits
Insurance
Coverage
Purchase Protection
180 days
Extended Warranty
Up to 2 years
Emergency Out of province Medical
10 daysEmergency Medical Over 65
10 days
Trip Interruption
$1,500
Trip Cancellation
$1,000
Baggage Delay
$500Flight Delay
$500
Lost or Stolen Baggage
$1,000.svg)
Car Rental Damage & Theft
yes
Mobile Device Insurance
$1,000
Benefits
Details
Extra points
1.5 points on À La Carte Rewards
Pros & Cons
Pros
- 2 points per $1 on groceries and restaurants (up to $1,000/month), which drops to 1.5 points after that.
- Extensive insurance coverage: Includes 10 types of insurance, including some of the best purchase protection (180 days) and extended warranty (2 years).
- Good for travel: Offers a flexible rewards program redeemable for travel, merchandise, or financial services.
Cons
- Low base earn rate: Only 1 point per $1.50 spent on non-bonus categories.
- Monthly cap: Only up to $1,000 for bonus categories like groceries and restaurants.
- No welcome bonus: Unlike many other cards, this one doesn’t offer any sign-up rewards.