Travel Rewards
Business
Rewards
National Bank Platinum Business Mastercard
National Bank of Canada
Current Welcome Offer
Up to 60,000 points and first-year annual fee rebate.
Annual Fee
$125
$0
1st Year Free
Purchase APR
20.99%
Cash Adv. APR
22.99%
Welcome Bonus
~$500
RateBuddy Verdict
The Good
- The flat 1.5x points rate is excellent for businesses that have high spending outside of traditional categories like gas or groceries.
- Industry-leading extended warranty coverage that triples the manufacturer’s term is a massive value for tech-heavy businesses.
- Allows points to be combined with personal National Bank rewards cards for faster redemption toward major travel goals.
The Trade-offs
- Annual fee of $125 is on the higher side for a business card that does not offer airport lounge access.
Rewards & Earnings
Groceries 1.25%
Dining & Takeout 1.25%
Gas & Transit 1.25%
Travel 1.25%
Base Rate 1.25%
Rewards Summary: Flat Rate: 1.5 points per $1 on all eligible purchases with no limit; Additional 1.5 points per $1 via À la carte Travel agency.
- All eligible business purchases: 1.5 points per $1
- À la carte Travel Agency: 3 points per $1 (1.5 base + 1.5 bonus)
Welcome Bonus Details
30k points after $5k spend (3mo); 30k points after $20k monthly spend (12mo). First-year fee waived for primary and first authorized user.
Estimated Value: $500.00
Features & Benefits
First-Year Fee Waived
First-year annual fee rebate
Car Rental Collision/Loss Damage Waiver
Coverage for 48 consecutive days
Extended Warranty Insurance
Triples warranty up to 2 additional years
Purchase Security Insurance
180 days following purchase
Flight Delay Insurance
$500 per person (4+ hours)
Baggage Delay/Loss Insurance
$500 delay / $1,000 theft
Expense Management Tools
Detailed spend management and fraud protection
Higher Earning on Business Categories
1.5 points per $1 on everything
Additional Perks
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Insurance Coverage
Flight Departure Delay
Up to $500 per person (over 4 hours)
Baggage Insurance
$500 for delay; $1,000 for theft or loss
Vehicle Rental Insurance
Collision/Loss Damage for 48 days (plus $2,000 for personal effects)
Travel Accident (Public Transit)
Up to $250,000
Purchase Protection
180 days against theft or damage
Extended Warranty
Triples warranty up to 2 extra years
Rates & Fees Details
| Purchase APR | 20.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $125 |
| Supplementary Card | $50.00 |
| Income Required | No specific requirement listed. |