National Bank World Elite® Mastercard®
3.6/5
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.
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
$
Card Details
Based on $2,000 spending
First Year Value
$543.1
$408.1 in years after
Annual Rewards
$558.1
National Bank À la carte Rewards®
First Year Bonus
$135
National Bank À la carte Rewards®
Annual Fee
$150
First Year Value
$543.1
$408.1 in years after
Interest Rates
Cash Advance: 22.49%
Purchase: 20.99%
Balance Transfer: 22.49%
Annual Fee
$150
Annual Income
Personal: $80,000
Household: $150,000
Credit Score
Very Good
Welcome Bonus
N/A
Card Type
Category: Points
Loyalty Program: National Bank À la carte Rewards®
Our Rating
3.6/5
Institution
National Bank
Rewards
- 5x points per $1 spent on eligible grocery and restaurant purchases
- 2x points per $1 spent on eligible gas, electric vehicle charging, recurring bills, and travel booked through À La Carte Rewards
- 1x point per $1 spent on all other purchases
National Bank World Elite® Mastercard® Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
Food and drinks, Groceries
42,930 points
Gas, Recurring Transactions
7,334 points
All other purchases
11,746 points
Annual Fee
- $150
Net Annual Rewards
62,011 points
Valued at $408.1 (after fees)
Rewards Summary
Net Annual Rewards
62,011 points
Valued at $408.1 (after fees)
First Year Card Bonus
15,000 points
Valued at $135
First Year Card Value
77,011 points
Valued at $543.1
Point Redemptions
Redemptions Chart
Travel through À La Carte Travel
$543.1
Travel
$512.3
Financial products
$496.89
Gift Cards
$427.58
Statement Credits
$158.04
Insurance & Benefits
Insurance
Coverage
Purchase Protection
180 days
Extended Warranty
Up to 2 years
Emergency Out of province Medical
60 daysEmergency Medical Over 65
15 days
Trip Interruption
$5,000
Trip Cancellation
$2,500
Baggage Delay
$500Flight Delay
$500
Lost or Stolen Baggage
$1,000.svg)
Car Rental Damage & Theft
yes
Mobile Device Insurance
$1,000
Benefits
Details
Airport Lounge - National Bank
Unlimited access to the National Bank Lounge at Montréal-Trudeau Airport.svg)
Travel Credit
$150 refund per year on travel expenses (seat selection, airport parking, baggage fees, airline ticket upgrades and lounges)
Extra points
2 points on À La Carte Rewards
Pros & Cons
Pros
- High Earn Rates: Earn up to 5 points per $1 spent on groceries and restaurants, and 2 points per $1 on gas, recurring bills, and travel booked through National Bank’s À La Carte Rewards.
- Annual $150 Travel Credit: Get reimbursed for common travel expenses such as checked bag fees, airport parking, and seat selection.
- Comprehensive Insurance: Includes 10 types of insurance, making it one of the most robust insurance packages for travel and purchase protection.
Cons
- High Income Requirements: Requires a personal income of $80,000 or a household income of $150,000, limiting eligibility for some.
- No Welcome Bonus: Unlike many premium cards, there is no initial points bonus, which is a missed opportunity for those looking to maximize rewards early on.