While their cards don't offer the greatest rewards, National Bank Mastercards have plenty of high-end features that more than make up for the rewards.

Whether you want flexible travel rewards cards with great insurance, low interest, or cash back credits, here is the best of what National Bank has to offer.

CategoryNational Bank MastercardCurrent Welcome Offer
Best National Bank travel MastercardNational Bank World Elite Mastercard$300 cash back (terms)
Best National Bank cash back MastercardNational Bank Echo Mastercard$100 cash back (terms)
Best low interest National Bank MastercardNational Bank Syncro Mastercard$100 cash back (terms)

Review all National Bank Mastercards here.

Best National Bank travel Mastercard

For the most rewards, and premium perks, the ticks all the boxes.

For rewards, you'll earn National Bank À La Carte Rewards at these rates:

  • 1.5 points per $1 spent on the first $40,000 in annual purchases,
  • 2 points per $1 on the next $40,000 in purchases, and
  • 1.5 points per $1 after that.

A National Bank Rewards point is worth up to 1 cent each when redeemed for travel, a return of up to 2% on your purchases.

But there's more to this card than just rewards. The best part of the card is the Savvy Traveller Reimbursements. Every year you have the card, you can get a refund of up to $250 on the following travel fees:

  • $100 on airport parking,
  • $100 on baggage fees, and
  • $50 on airline seat selection.

Use these amounts in full every year, and you've turned an annual fee of $150 into one that pays you $100.

And, it has terrific insurance, including triple extended warranty and 15 days of emergency medical for those aged 65 to 74.

In addition to the $150 annual fee, you'll also need to meet standard World Elite income requirements of $80,000 personal or $150,000 household.

If you're after the insurance, the has the exact same coverage, but for lower income requirements and a lower annual fee of $115.

Related: Credit Cards With The Most Flexible Rewards 2020

Best cash back National Bank Mastercard

For cash back rewards, National Bank's best cash back card is the .

For no annual fee, you'll earn:

  • 1% cash back on restaurants and preauthorized payments, and
  • 0.5% cash back on all other purchases.

It also offers 3 types of insurance, one of which is rare mobile device insurance. It's one of only a few no fee cards that offers it.

Related: Best No Annual Fee Credit Cards In Canada For 2020

Best low interest National Bank Mastercard

Need savings on credit card interest? National bank offers the .

The card offers an interest rate of prime plus 4% on purchases, with a minimum rate of 8.9%.

On cash advances and balance transfers, it's prime plus 8%, with a minimum rate of 12.9%.

As long as the prime rate is less than 3.95%, you'll be seeing some great low interest rates. And it's all for an annual fee of $35.

You can view the current prime rate here.

Related: Best Low Interest Credit Cards In Canada For 2020

Compare National Bank Credit Cards

This table is displaying our default Genius Rating, which applies our standard weight to all 8 of our scoring categories (rewards, fees, insurance, interest, perks, approval, and acceptance). The other card displays in the article are configured to specific categories, based on what the card does best. Learn more about our rating methodology.

Frequently asked questions about National Bank credit cards

Here are some frequently asked questions about National Bank Mastercards.

What cards offer access to the National Bank airport lounge in Montreal-Trudeau?

Only the National Bank World Elite Mastercard offers access to the National Bank airport lounge in Montreal, for the cardholder and a guest.

What redemption options are available through the National Bank Rewards program?

You can redeem for the following through National Bank Rewards:

  • flights and vacation packages through National Bank,
  • any travel charged to the card,
  • gift cards and merchandise,
  • National Bank investments, and
  • statement credits.

How can I apply for a National Bank Mastercard?

You can apply for a National Bank Mastercard by clicking on any "Apply Now" button on our site. This will take you to the National Bank website where you can complete an application. If you click on a "Learn More" button, you'll be able to see more details about the card, and there will be an "Apply" button on that page.

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