Stop paying so much in interest with this low fee, variable interest rate Mastercard.

Annual Fee
Extra Card Fee
Card Type
Cash Advance
Balance Transfer
Personal Income
Household Income
Canadian resident who has reached the provincial age of majority.
Extended Warranty 1 year
Purchase Protection 90 days

Please review your insurance certificate for details, exclusions and limitations of your coverage.

®ECHO, ALLURE, EDITION and À LA CARTE REWARDS PLAN, are registered trademarks of National Bank.

®ULTRAMAR is a registered trademark of Valero, used under licence.

® WORLD MASTERCARD and WORLD ELITE are registered trademarks of Mastercard International Inc. Authorized user: National Bank.

® Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

If we find your match, we’ll give you up to $25 when you refer your friends.*

Our Review

Do you feel like you are spending too much money on interest?

Are you looking for a card with a low interest rate?

The National Bank Syncro Mastercard could be what you’re looking for.

With an annual fee of only $35, this card could give you one of the lowest interest rates in all of Canada. Plus, the interest rate you get isn't based on your credit score. So, if you don't have the best credit score, this card could be a great option for you.

The Syncro card will give you the following interest rates:

  • Interest Rate: Canada Prime Rate + 4% (8.90% minimum)
  • Cash Advance Rate: Canada Prime Rate + 8% (12.90% minimum)
  • Balance Transfer Rate: Canada Prime Rate + 8% (12.90% minimum)

Most credit cards have a purchase interest rate of 19.99%, so with this card in your wallet, you'll be saving about 10%.

Curious what that looks like in terms of annual savings?

Credit CardAnnual Interest RateAnnual Interest on $3,000Savings
Standard Card19.99%$599.700
National Bank Syncro Mastercard8.90%$267.00$332.70

Credit card users who have $3,000 of credit card debt are being charged about $600 a year on interest.

However, with a card like the National Bank Syncro Mastercard, you could save over $300 annually… even more if you usually carry more credit card debt.

Plus, not only will this card save you money, but it will also cover all of your purchases with purchase insurance, giving you some nice peace of mind when you are making purchases.

Curious how much you could save?

Check out our interest savings calculator.

What are your thoughts?

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Featured In:

The Globe and Mail
Toronto Star
Financial Post
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