Travel Rewards
Business
Rewards
National Bank Platinum Business Mastercard
National Bank of Canada
Welcome Bonus:
Up to 60,000 points and first-year annual fee rebate.
Secure RateBuddy connection · Application completed on National Bank of Canada’s site
Annual Fee
$0
$125 after first year
Purchase APR
20.99%
Cash Advance
22.99%
Bonus Value
$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
1.25%
Gas
1.25%
Travel
1.25%
Recurring Bills
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.
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
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
Insurance Coverage
Flight Delay: $500; Baggage: $500 delay / $1,000 theft; Car Rental: 48 days; Purchase Security: 180 days; Extended Warranty: Triple (up to +2 years).
Rates, Fees & Eligibility
| Purchase APR | 20.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $125 |
| Supplementary Card Fee | $50 |
| Grace Period | 21 days |
| Income Required | No specific requirement listed. |
| Recommended Credit Score | — |
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Filed Under
Travel Rewards
Business
Rewards
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