Pros & cons
Pros
- Up to 2 points per $1 spent on purchases.
- Bonus points on flight bookings made through National Bank Rewards.
- Includes 9 types of insurance.
Cons
- High income requirements of $60,000 personal or $100,000 household.
- Complicated tier structure for earning rewards, varying between 1.25 to 2 points per $1 spent.
Your rewards
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 Mastercard, here's how you earn rewards:
- 1.25 points per $1 spent between $0 to $20,000 in annual purchases
- 2 points per $1 spent between $20,001 to $30,000 in annual purchases
- 1.25 points per $1 spent on $30,001 and more in annual 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 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 | $347 | |
| Any travel | $288 | |
| National Bank investments | $288 | |
| Merchandise | $281 | |
| Gift Cards | $267 | |
| Statement credits | $139 |
| 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 |
Calculating your annual rewards
$24,000 annual spending x 1.44% return on spending = $347 annual rewards
$347 annual rewards − $115.00 annual fee = $232 net annual rewards
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1x Award Winner
Details and eligibility
- Estimated Credit Score
- 760 - 900
- Personal Income
- $50,000
- Household Income
- $80,000
- Annual Fee
- $115.00
- Extra Card Fee
- $35
- Card type
- Credit
- Purchase
- 20.99%
- Cash Advance
- 22.49%
- Balance Transfer
- 22.49%
Insurance coverage
- Extended Warranty
- 2 years
- Purchase Protection
- 180 days
- Emergency Medical Term
- 60 days
- 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 Mastercard's 3.5 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
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Our review
The National Bank World Mastercard is the little brother of the
The World version allows cardholders to earn:
- 1.25 points for every dollar spent under $20,000 annually,
- 2 points for every dollar spent between $20,001 and $30,000 annually,
- 1.25 points for every dollar spent over the $30,001 annually, and
- a bonus 1.25 points for every dollar spent on flights and vacation packages booked through À la carte travel.
Note: Because of how the above reward earn rates work, if you find yourself spending more than $30,000 annually, this card might not be the right fit for you. So, be sure to enter your monthly spending in the spending breakdown in the sidebar, so you can find out just how many rewards you could earn.
The rewards earned are À la carte points and can be used for a number of different things, including:
- travel,
- merchandise,
- gift cards, and even
- donations.
On top of the valuable rewards this card will give you, you will also be covered by 10 different types of travel and purchase insurance.
In fact, not only will you get travel insurance that covers cardholders up to the age of 74, but you will also get superior purchase protection and extended warranty that is double the standard coverage – 180 days purchase protection and 2 years of extended warranty.
Like other World Mastercards, this National Bank card also comes with Concierge Service, which is a nice perk (especially if you put it to work for you).
Because this is a prestigious card, there is a minimum income requirement of $60,000 or a household income requirement of $100,000, as well as an annual fee of $115.
However, There is a
Curious to know more? Check out our full review of the National Bank Travel Mastercards.
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Key benefits
®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 reviews
Reviewed by 2 Canadians
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Worst credit card I used, the national bank application show a negative balance when you own them money when all other credit card application tells you clearly how much you have to pay at the end of the month. I was left with the impression that they own me money to discovering later the I had to pay pay interest. They told me that a manager would give me a call but never heard of them!!! It’s crabe avoid them at all cost go with BMO Mastercard
After subscribing to the card, do you then have to purchase the trip (flight and accommodations) with this card in order to use its travel medical insurance coverage (ie, making a claim)?
