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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.
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
Card Details
Info
Card Type | Credit |
Reward Type | Points |
Our Rating | 3.6/5 |
Institution | National Bank |
Loyalty Program |
Fees & Rates
Annual Fee | $150 |
Interest Rates | Purchase: 20.99% Cash Advance: 22.49% Balance Transfer: 22.49% |
Eligibility
Credit Score Estimate | Very Good |
Annual Income | Personal: $80,000 Household: $150,000 |
Bonuses
Welcome Bonus | Up to 35,000 points |
Description | 5,000 points in month 6, after having $5K in net purchases within 3 months. 10,000 points in month 9, after having $10K in net purchases within 6 months. 20,000 points in month 15, after having $15K in net purchases within 12 months. |
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
62,011 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