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Hard Credit Check How To Protect Your Credit Score Must Read Best Instant Approval Credit Cards ‒ From No Credit To Excellent Credit Credit Cards For Bad Credit Secured Credit Cards Tangerine Money Back Credit Card KOHO Prepaid Mastercard Review Credit Card Quiz Mastercard National Bank National Bank World Elite Mastercard 4.5 Genius Rating 3.2 (16) User reviews Earn up to 5 points per $1 spent on all purchases, and get rebated up to $150 in travel fees (like airport parking and checked bag fees). Some details or information regarding this product may be out of date or inaccurate. For full details, be sure to visit National Bank's website . $150.00 Annual fee Learn more $400 ◊ Welcome bonus 40,000 points $552 ◊ Annual rewards Offer Ends: Dec 1, 2025 Find your top card | Read our disclosure creditcardGenius Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Click to read our detailed disclosure. Apply Now Add to wallet Credit estimate:  (760 - 900) Instant approval: Yes Mastercard National Bank National Bank World Elite Mastercard 4.5 Genius Rating 3.2 (16) User reviews Apply Now Add to wallet Earn up to 5 points per $1 spent on all purchases, and get rebated up to $150 in travel fees (like airport parking and checked bag fees). Some details or information regarding this product may be out of date or inaccurate. For full details, be sure to visit National Bank's website . $150.00 Annual fee Learn more $400 ◊ Welcome bonus 40,000 points $552 ◊ Annual rewards Offer Ends: Dec 1, 2025 Credit estimate:  (760 - 900) Instant approval: Yes Find your top card | Read our disclosure creditcardGenius Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Click to read our detailed disclosure . Monthly Spending: $ View Breakdown Pros & Cons Your Rewards Compare Cards Details and Eligibility Insurance Coverage Genius Rating Our Review Key Benefits User Reviews (16) Pairs Well With Pros & cons Pros Up to 5 points per $1 spent on purchases. Includes 10 types of insurance. Annual $150 in travel fee reimbursements. Cons High income requirements of $80,000 personal or $150,000 household. No welcome bonus. Your rewards Getting your welcome bonus Based on $2,000 in monthly spending, you can get up to 40,000 points which translates to an estimated $400 . ◊ For all welcome bonus details click here . Welcome bonus offer ends Dec 1, 2025 . How you earn rewards Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With National Bank World Elite Mastercard , here's how you earn rewards: 5 points per $1 spent on groceries and restaurants , up to $2,500 in total spend per month (2 points after) 2 points per $1 spent on gas , electric vehicle charging , recurring bills , and travel booked through À La Carte Rewards 1 point per $1 spent on all other purchases For all reward details click here . How much your rewards are worth The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For National Bank World Elite Mastercard in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose: Any travel from National Bank $552   Any travel $458 National Bank investments $458   Merchandise $447 Gift Cards $425   Statement credits $221 Any travel from National Bank $552 Any travel $458 National Bank investments $458 Merchandise $447 Gift Cards $425 Statement credits $221 Learn more about National Bank Rewards. This card doesn't offer any rewards. Rewards Points Calculator Enter your rewards balance to calculate how much your points are worth. Review your redemption options and recommendations to get the most value. Reward Program AAdvantage Aeroplan Air Miles Alaska Airlines Mileage Plan Avianca LifeMiles American Express Membership Rewards BMO Rewards British Airways Executive Club Cathay Pacific Asia Miles Flying Blue Desjardins BONUSDOLLARS CIBC Aventura Rewards Delta SkyMiles MBNA Rewards Marriott Bonvoy More Rewards Porter VIPorter Plum Rewards Journie Rewards MyMcDonald's Rewards National Bank A La Carte Rewards PC Optimum Qatar Airways Privilege Club Avion Rewards (Elite) Rexall BeWell Scene+ TD Rewards Tims Rewards United MileagePlus WestJet Rewards Triangle Rewards Avion Rewards (Premium) Points Balance Our recommendations: Use your points for Any Travel From National Bank to get the most value. $10 Avoid using points for Statement Credits as this gives you the lowest value. $4 Using your points for Any Travel From National Bank instead of Statement Credits will save you $6 . Point Values Redemption Option Point Value Total Value Any travel from National Bank 1 cent $10 Any travel 0.83 cents $8 National Bank investments 0.83 cents $8 Merchandise 0.81 cents $8 Gift Cards 0.77 cents $8 Statement credits 0.4 cents $4 Redemption Options Any travel from National Bank Travel purchases through National Bank rewards $10 Any travel Use points to pay for travel from any provider $8 National Bank investments Depsotis into Natinal Bank investment accoinuts $8 Merchandise Wide assortment of merchandise $8 Gift Cards Assortment of gift cards $8 Statement credits Pay your credit card balance $4 Calculating your annual rewards $24,000 annual spending x 2.30% return on spending = $552 annual rewards $552 annual rewards − $150.00 annual fee = $402 net annual rewards Top related credit cards Compare similar cards side-by-side. American Express Cobalt ® Card GC: $100 5.0 Genius Rating 4.1 (80) User Reviews 8x Award Winner $1080 Annual Rewards $300 Welcome Bonus $191.88 Annual Fee Learn More RBC Avion Visa Infinite Privilege 4.4 Genius Rating 3.1 (35) User Reviews 1x Award Winner $699 Annual Rewards $1751 Welcome Bonus $399.00 Annual Fee Learn More RBC Avion Visa Infinite 4.3 Genius Rating 2.0 (79) User Reviews 1x Award Winner $566 Annual Rewards $1402 Welcome Bonus $120.00 Annual Fee Learn More Scotiabank Gold American Express ® Card GC: $100 4.3 Genius Rating 3.2 (60) User Reviews 1x Award Winner $588 Annual Rewards $500 Welcome Bonus $120.00 Annual Fee Learn More CIBC Aventura ® Visa Infinite * Card 4.3 Genius Rating 2.4 (18) User Reviews   $639 Annual Rewards $1151 Welcome Bonus $139.00 Annual Fee Learn More CIBC Aventura ® Visa Infinite * Card (QC) 4.2 Genius Rating 3.0 (1) User Reviews   $639 Annual Rewards $1151 Welcome Bonus $139.00 Annual Fee Learn More TD First Class Travel ® Visa Infinite * Card GC: $20 4.1 Genius Rating 3.5 (78) User Reviews   $475 Annual Rewards $825 Welcome Bonus $139.00 Annual Fee Learn More BMO AIR MILES ® † World Elite ® * Mastercard ® * GC: $150 3.7 Genius Rating 3.4 (55) User Reviews 1x Award Winner $323 Annual Rewards $1143 Welcome Bonus $120.00 Annual Fee Learn More BMO Ascend ™ World Elite ® * Mastercard ® * GC: $125 3.4 Genius Rating 2.3 (53) User Reviews   $262 Annual Rewards $670 Welcome Bonus $150.00 Annual Fee Learn More BMO eclipse Visa Infinite Privilege * Card 2.8 Genius Rating 3.0 (6) User Reviews   $450 Annual Rewards $335 Welcome Bonus $599.00 Annual Fee Learn More Details and eligibility Do I qualify? Estimated Credit Score 760 - 900 Personal Income $80,000 Household Income $150,000 Canadian resident who has reached the provincial age of majority. Fees Annual Fee $150.00 Extra Card Fee $50 Card type Credit Interest rates Purchase 20.99% Cash Advance 22.49% Balance Transfer 22.49% Insurance coverage Extended Warranty 2 years Purchase Protection 180 days Mobile Device $1,000 Emergency Medical Term 60 days Emergency Medical Maximum Coverage $5,000,000 Emergency Medical over 65 15 days Trip Cancellation $2,500 Trip Interruption $5,000 Flight Delay $500 Baggage Delay $500 Lost or Stolen Baggage $1,000 Rental Car Theft & Damage Yes Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply. Learn more about the value of credit card insurance coverage. Genius Rating National Bank World Elite Mastercard's 4.5 Genius Rating is based on the weighted average of the following scores: Rewards 3.8 Fees 2.2 Insurance 4.3 Interest 2.0 Perks 2.6 Approval 0.1 Acceptance 5.0 User Reviews 3.2 Methodology All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features. Learn more about our rating methodology. Top cards from Mastercard GC: $150 BMO CashBack ® World Elite ® * Mastercard ® * Exclusive: Up to $480 bonus cash back + First year fee waived. * GC: $100 MBNA Rewards World Elite ® Mastercard ® Up to 30,000 bonus points + birthday bonus worth up to 15k points. * GC: $100 MBNA Rewards World Elite ® Mastercard ® (QC) Up to 20,000 bonus points + Annual bonus worth up to 15k points. * Our review Written by creditcardGenius Team   Fact Checked Fact Checked Accuracy is important to us so this article has gone through a thorough 3-stage review process and fact-checked by our team. If you're looking for a travel credit card that gives you valuable rewards, superior insurance, and a very unique perk, then the National Bank World Elite Mastercard could be the perfect addition to your wallet. It's one of 3 travel Mastercards issued by National Bank . Here's everything this travel rewards credit card has to offer. In this article Earning rewards with the National Bank World Elite Mastercard 4 benefits to the National Bank World Elite Mastercard 2 downsides to the National Bank World Elite Mastercard Comparison to the MBNA Rewards World Elite Mastercard FAQ Earning rewards with the National Bank World Elite Mastercard This card offers bonus rewards in a variety of categories. The rewards earned with every purchase will give cardholders: 5 points per $1 spent on groceries and restaurants, up to $2,500 in total spend per month (2 points after) 2 points per $1 spent on gas, electric vehicle charging, recurring bills, and travel booked through À La Carte Rewards 1 point per $1 spent on all other purchases Those are some high earn rates. And based on a typical $2,000 monthly spend, you're looking at earning a total of $552 in annual rewards. But there's a major point to note about the 5 points per $1 spent category – you only earn that on groceries and restaurants if your total monthly spending is less than $2,500. After that, you'll earn 2 points per $1 spent on groceries. That can severely hamper the rewards you earn if you're a big spender. If you do expect to spend a lot of money every month, use this card for the bonus categories and find a no annual fee credit card to make purchases at non-category stores. À la carte reward points What can you use your National Bank Rewards for? With these À la carte points , cardholders can plan vacations or shop for gift cards and name brand merchandise. Plus, points can be exchanged for a number of different financial products. Here's a summary of your redemption option, as well as what your points are worth. You'll get the best value by booking through NBC Rewards, where you'll be able to use your points to book flights and vacation packages. Here's where you can learn more about the National Bank À La Carte Rewards program . 4 benefits to the National Bank World Elite Mastercard There's much more to this card than the rewards. Here are 3 other things we love about the card. It's not as many as other premium cards, but they're big ones. 1. $150 annual travel credit Checked bag fees. Seat selection fees. These fees wreak havoc on our bottom line on the few days of vacation we can afford to take. But this credit card is here to save the day. Every year you have the card, you get a $150 travel credit you can use towards paying these pesky fees: airport parking, baggage fees, seat selection, airport lounge access, and airline seat upgrades. To use the credit, all you have to do is charge these costs to your NBC Mastercard, keep the receipt, and submit a claim afterwards. And with that, you can say goodbye to at least some of the fees. If you redeem the full amount, you've essentially made the annual fee disappear. 2. Airport lounge access There's a decent level of airport lounge access provided with this World Elite Mastercard. First, National Bank operates their own lounge in Montreal – it's inside the international section. The National Bank World Elite Mastercard can grant access to the lounge anytime you want for free (though you'll have to pay for additional guests). On top of that, you'll also get a Mastercard Travel Pass membership. It doesn't come with any free passes, but you can use your annual travel credit to pay for the US$32 fee. 3. Terrific insurance The insurance package included in this card is among the best in Canada. This credit card includes 10 types of insurance – you can see the full details above . There are a couple of things that stand out. Many credit cards will not give you emergency medical insurance if you are 65+, but this World Elite card will cover you for 15 days of travel. Just note the coverage ends when you turn 75. If you're below the age of 55, you get a stunning 60 days, and 31 days if you're between 55 to 65. Plus, your purchases will be covered with one of the best purchase protection and extended warranty insurance policies in Canada. You get triple extended warranty and 180 days of purchase protection. 2 downsides to the National Bank World Elite Mastercard There are a few things you'll want to take into consideration with this World Elite Mastercard. 1. Cap on earning 5 points per $1 spent We've stated it once already, but it needs to be stated again – spend too much per month (over $2,500), and you're only earning 2 points per $1 spent on groceries and restaurants. You can really hamper the rewards you earn by spending too much on your card. 2. High annual fee and income requirements The annual fee is a little higher than other similar premium credit cards at $150. It's also coupled with high income requirements of either $80,000 personal or $150,000 household, which can put it out of the reach of many. Comparison to the MBNA Rewards World Elite Mastercard There's another Mastercard that also offers up to 5 points per $1 spent – the MBNA Rewards World Elite ® Mastercard ® . Let's see how these 2 flexible rewards cards stack up. National Bank World Elite Mastercard MBNA Rewards World Elite Mastercard Earn Rates * 5 points per $1 spent on groceries and restaurants, up to $2,500 in total spend per month (2 points after) * 2 points per $1 spent on gas, electric vehicle charging, recurring bills, and travel booked through À La Carte Rewards * 1 point per $1 spent on all other purchases * 5 points for every $1 spent on restaurants, groceries, and select recurring bills (up to $50,000 spent annually per category) * 1 point per $1 spent on all other purchases Welcome Bonus * Up to 40,000 bonus points ( terms ) $100 GeniusCash + 30,000 bonus points ( terms ) Average Earn Rate 2.3% 2.86% Best Redemption Options (Value of 1 point) * Flights and vacation packages through NBC Rewards (1 cent) * Any travel booking – 0.83 cents * Any travel through MBNA Rewards – 1 cent * e-gift cards – 1 cent * Cash – 0.83 cents Insurance Coverage 10 types 12 types Perks * $150 annual travel credit * Mastercard Travel Pass * Unlimited access to the National Bank lounge in Montreal * Mastercard Travel Pass Annual Fee $150 $120 What you actually earn for rewards is quite similar with this card, with the MBNA card having a slightly better earn rate. The rewards are also more flexible, with more valuable options than what NBC Rewards provides. And this is all for a lower annual fee. But NBC has the trump card with the $150 annual travel credit to take a bite out of pesky fees like checked bags. And these fees can basically offset the annual fee and make the NBC card a supreme no annual fee card. Which is better? If you can use the full travel mount, we would go with National Bank. But the MBNA Rewards World Elite is an excellent alternative if you don't think you can. Leave a review There's a lot to like about the National Bank World Elite Mastercard. For those of you who have the card, what do you think of it? Leave a user review so others can see your thoughts on the card. FAQ What does the National Bank World Elite Mastercard offer for rewards? The National Bank World Elite Mastercard offers National Bank Rewards points at these rates: 5 points per $1 spent on groceries and restaurants, up to $2,500 in total spend per month (2 points after) 2 points per $1 spent on gas, electric vehicle charging, recurring bills, and travel booked through À La Carte Rewards 1 point per $1 spent on all other purchases What perks does the National Bank World Elite Mastercard offer? The National Bank World Elite Mastercard offers a few major perks . They are: $150 annual travel credit, 10 types of insurance, and airport lounge access. What are the annual fee and income requirements of the National Bank World Elite Mastercard? The National Bank World Elite Mastercard has an annual fee of $150 and income requirements of $80,000 personal or $150,000 household. People also viewed Scotiabank American Express ® Platinum Card Up to 60,000 80,000 bonus points + 10 free airport lounge passes. * BMO eclipse Visa Infinite Privilege * Card Earn up to 120,000 points + 5x points + $200 annual lifestyle credit. * RBC ® British Airways Visa Infinite ‡ Up to 60,000 bonus points + save 3 cents per litre at Petro-Canada. * Key benefits Earn flexible rewards and save up to $150 in travel fees with this card. 5 points per $1 spent on groceries and restaurants, up to $2,500 in total monthly purchases (2 points after) 2 points per $1 spent on gas, electric car charging, recurring bills, and travel booked through NBC Rewards. 1 point per $1 spent on all other purchases. Earn up to 45,000 welcome bonus points. $150 in yearly "savvy traveller" fee reimbursements for airport parking, seat selection, checked bag fees, and airport lounge access. Superior purchase protection that gives you 180 days protection and extended warranty that triples up to 2 years. Great travel insurance coverage that gives you up to 60 days travel medical for those under age 54, trip cancellation and interruption, and more. Show more... Offer Terms ®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. User review s 3.2 out of 5 Reviewed by 16 Canadian s Add Review 5 stars 31% 4 stars 19% 3 stars 13% 2 stars 13% 1 stars 25% Add Review Do you own this card? I have it I canned it × How good is this card overall? × Rate the application process: Rate the customer service: Thank you for your review! Hang tight while we verify and approve it. If you want to see your review right away... Create an account: Name * Email * Password * Password requirements: At least 8 characters long At least one lower case letter At least one upper case letter At least one number At least one special character Password confirmed Password best practices Please send me credit card deals, news, reviews, and tips directly to my inbox. It only takes one click to unsubscribe. By clicking the button below, you agree to our Privacy Policy and Terms and Conditions .   Login Toroon21 7 months ago 1 Worst credit card you can have in your wallet. Good luck getting any insurance claims from CanAssistance. An insurance company handle claims on behalf of National bank. It’s like the Mafia. Find all kinds of ways to deny claims after wasting your time asking you to upload all kinds of documents that don’t even exist on this planet. Run away from bother National bank and CanAssistance. It appears all the Montreal / Quebec Mafia running this business. Eliec 8 months ago 1 Skip this, all those insurances are just a placebo. By the time you need to ask for them after a long delay they will bs you. I got an Air Canada flight delay which made me lose the next Air Canada flight: Air Canada cancelled my next flight and assigned me a new one 2 days later. I claimed the reimbursement of the new flight I had to pay to leave at next day because of flight delay and flight cancellation (I tried not to request for no other expenses to keep it simple). After a long delay they told me this was not among the insured risks and in a phone call they alledged they only insured flight lost due to a public transportation or something very specific that would not include Airline delays or cancellation. If this is the strongest reason for getting this card, dont do it. If another reason, is the Not Convenient Lounge in YUL, better take the Scotia Bank Passport. As there is nothing left for this card to justify what it cost, better dont take it. It is sad because National Bank inself has a nice customer service. SS a year ago 2 CanAssistance is a garbage company that makes lots of excuse for not paying as per the policy. Lem 2 years ago 1 I was told annual fee waived only for the first year. Lowered my rating from my previous 5 star to 4 since branch failed to disclose correct information when I applied for the card. I was looking to replace my HSBC + Rewards lower interest Mastercard which was a great card for Costco up until RBC decided to take over HSBC. I thought NBC world elite can be a decent replacement but I am not sure worth paying $150 a year. I’m sure there are other no annual fee cash back cards yield more in return than this MC. I will cancel before the renewal to void that hefty $150 fee. Lem 2 years ago 1 Just approved while I was at the branch. I was told $150 yearly fee will be waived every year since I’m a professional engineer. With that title I was getting whole bunch of other banking perks on my other accounts and identity protection free. Not sure If I get travel credit since I’m not paying the annual fee. I will know soon when I fly to Austin, TX for my Christmas holiday. 1 2 3 4 Pairs well with... 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Resources Review Your Card Credit Card FAQ Sliders Credit Card Quiz Company About Careers Scholarship Disclosure Help Contact GeniusCash Report Bug   Privacy Policy | Terms | Security Province: Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Nunavut Northwest Territories Nova Scotia Ontario Prince Edward Island Quebec Saskatchewan Yukon Copyright © 2025 WeyMedia Inc. 200 Champlain St. Suite 210, Dieppe, NB E1A 1P1 ◊ The creditcardGenius algorithm, based on our Rating Methodology , calculates an estimated dollar value for all rewards and bonuses by combining typical monthly spending with well-researched reward point value estimates . "Annual Rewards" is calculated by combining our default $2,000 in monthly spending ($24,000 annually) spread across 8 different spending categories (gas, groceries, travel, etc) with our point value estimates. "Welcome Bonus" is calculated by combining all one-time bonuses available to new cardholders within the first year with our point value estimates. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. "Annual Interest Savings" is based on a credit card balance of $8,000 and a standard credit card interest rate of 19.99%. Annual Rewards, Welcome Bonus, and Annual Interest Savings values will change if the person adjusts their monthly spending away from the $2,000 monthly default or changes their reward preferences. *, † Terms and conditions apply. Your feedback matters What do you think of creditcardGenius? Needs work It's ok It's great! Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Read our detailed disclosure about how CCG makes money. Never miss a deal Unlock VIP-access to exclusive GeniusCash deals, credit card offers, and the biggest money news. Bonus : Get our 250+ page money-saving eBook for free. We promise to keep your email safe. We hate spam too. Unlock my deals Glad we could help you choose the right credit card for you. Never Miss A Deal Want to get hot credit card news and offers directly to your inbox? Bonus : Get our free 250+ page eBook that will save you $1000s per year Keep Me Updated No thanks, I don’t want credit card deals. Glad we could help you choose the right credit card for you. Before you continue your application ... Never Miss A Deal Want to get hot credit card news and offers directly to your inbox? Bonus : Get our free 250+ page eBook that will save you $1000s per year Keep Me Updated No thanks, I don’t want credit card deals. Latest Updates $175 GeniusCash + 0.5% extra cash back Up to 100,000 welcome bonus points 4 free lounge passes worth up to $200 First-year annual fee waived * What is Flexiti? Do You Lose Your Points If You Cancel Your Credit Card? $1,000 Christmas Giveaway Canada 2025 $100 GeniusCash + Transfer points to Aeroplan and 7 other travel partners with Canada's #1 credit card . *