National Bank Platinum Mastercard
Travel Rewards Rewards

National Bank Platinum Mastercard

National Bank of Canada National Bank of Canada
Welcome Bonus: Up to 25,000 points and first year annual fee rebate.
Annual Fee $0
$70 after first year
Purchase APR 20.99%
Cash Advance 22.49%
Bonus Value $200

RateBuddy Verdict

The Good
  • No minimum income requirement makes this an excellent premium entry point for students and new professionals.
  • Generous 180-day purchase protection and the ability to triple the manufacturer warranty (up to 2 years) is industry-leading.
  • Includes $1,000 mobile device insurance, which is rare for a card at this lower price point.
The Trade-offs
  • The 2x accelerator on groceries and dining is easily triggered but capped by a low $1,000 total monthly card spend threshold.
  • Travel medical coverage is limited to only 10 days, making it unsuitable for longer vacations.
  • Base earn rate of 1 point per $1.50 spent is weaker than many competitors in the same fee class.

Rewards & Earnings

Groceries 1.66%
Dining 1.66%
Gas 1.25%
Travel 1.25%
Recurring Bills 1.25%
Base Rate 0.55%
Rewards Summary: Groceries & Dining: 2 pts/$1 (up to $1,000 monthly total spend); Gas, EV Charging, Recurring Bills & Travel: 1.5 pts/$1; Base Earn: 1 pt/$1.50.

Welcome Bonus Details

10k points for insurance enrollment, 5k points for $2.5k spend (3mo), 10k points for $10k spend (12mo). First-year annual fee rebate for primary and first authorized user.

Estimated Value: $200

Features & Benefits

Travel Medical Insurance
Up to $5M for 10 days
First-Year Fee Waived
First-year annual fee rebate
Mobile Device Insurance
Up to $1,000
Car Rental Collision/Loss Damage Waiver
Coverage for 48 consecutive days
Trip Cancellation/Interruption Insurance
Cancellation $1,000 / Interruption $1,500
Extended Warranty Insurance
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

Insurance Coverage

Travel Medical: 10 days ($5M); Trip Cancel/Interrupt: $1k/$1.5k; Flight & Baggage Delay: Included; Car Rental: 48 days; Mobile Device: $1,000; Purchase Security: 180 days.

Rates, Fees & Eligibility

Purchase APR20.99%
Cash Advance APR22.49%
Annual Fee$70
Supplementary Card Fee$35
Grace Period21 days
Income Required No specific requirement listed.
Recommended Credit Score—

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Filed Under

Travel Rewards Rewards
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