The hallmark of many National Bank credit cards is they are à la carte.

That means you get to pick and choose features to add to your credit card, mostly when it comes to the rewards program and interest rate. Same card by name, but completely different when it comes to features and annual fees.

We’ve actually split each card that offers this into multiple card listings so you can get a clear picture of how that card performs when you choose a specific set of features.

In contrast, their flagship rewards cards (Platinum, World, and World Elite) are more straightforward with only one set of features per card with the National Bank World Elite Mastercard being particularly attractive.

You get 1.5 points per dollar spent on most purchases with a bump up to 2 points per dollar spent between $40,000 and $80,000 in annual spending and a further 0.5 point bump on foreign purchases. With each point being worth 1 cent in flexible travel, you’re going to get a 1.5% to 2% return on spending.

Where it get more interesting is that the card also offers $250 in “savvy traveller” reimbursements for parking, seat selection, and baggage fees. That means you can fly any airline you want and simply get refunded for these unwanted extra costs. That covers the $150 annual fee and then some!

The Allure and Edition Mastercards are nearly identical cards in that they let you choose either cash (free, but lower value) or points (higher value, $35 annually) for your rewards and you can choose between regular interest rates (free) and low interest ($30 annually).

Given the choice, I’d go with Allure though because you get the same benefits in addition to supporting the Quebec Breast Cancer Foundation with every purchase and a 10% discount on gift cards to select stores purchased through the Allure website.

Best National Bank Credit Cards

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