Low Interest
National Bank Syncro Mastercard
National Bank of Canada
Secure RateBuddy connection · Application completed on National Bank of Canada’s site
Annual Fee
$35
Purchase APR
8.90%
Cash Advance
12.90%
RateBuddy Verdict
The Good
- Features one of the lowest ongoing purchase interest rates in Canada, currently at its 8.90% minimum floor.
- No minimum income requirement makes it a great safety-net card for those who may occasionally carry a balance.
- Includes purchase protection and extended warranty, which is rare for many basic low-rate competitors.
The Trade-offs
- Does not offer any rewards points, cashback, or travel perks on your spending.
- Charges a small $35 annual fee, whereas some low-interest cards from other banks are $0 (though often with higher interest rates).
Rewards & Earnings
Base Rate
0%
Rewards Summary:
No rewards; This is a low-interest utility card designed to minimize interest fees and help pay off balances faster.
Welcome Bonus Details
No welcome bonus details are currently listed for this card.
Features & Benefits
Extended Warranty Insurance
Doubles warranty up to 1 year
Purchase Security Insurance
90 days following purchase
Low Purchase Interest
Variable rate (Prime + 4%) with 8.90% minimum
Insurance Coverage
Purchase Protection: 90 days; Extended Warranty: Double manufacturer warranty (up to 1 additional year).
Rates, Fees & Eligibility
| Purchase APR | 8.90% |
|---|---|
| Cash Advance APR | 12.90% |
| Annual Fee | $35 |
| Supplementary Card Fee | $0 |
| Grace Period | 21 days |
| Income Required | No specific requirement listed. |
| Recommended Credit Score | — |
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Filed Under
Low Interest
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