National Bank World Mastercard
Travel Rewards Rewards

National Bank World Mastercard

National Bank of Canada National Bank of Canada
Welcome Bonus: Standard À la carte Rewards participation.
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Annual Fee $115
Purchase APR 20.99%
Cash Advance 22.49%

RateBuddy Verdict

The Good
  • Offers elite 60-day travel medical insurance, which is significantly longer than most cards in this price bracket.
  • Lower income requirement ($50k) compared to the World Elite ($80k) while maintaining similar insurance protections.
  • Features "Priceless Cities" access and unique ways to use points for financial products like mortgage payments.
The Trade-offs
  • The tiered reward system is confusing and caps the maximum earning rate (2 pts) at a narrow $10,000 window per year.
  • Lacks the signature travel perks of the World Elite version, such as the YUL lounge access and $150 travel credit.
  • Annual fee of $115 is relatively high for a card that primarily earns a base rate of 1.25 points.

Rewards & Earnings

Groceries 1.10%
Dining 1.10%
Gas 1.10%
Travel 1.10%
Recurring Bills 1.10%
Base Rate 1.10%
Rewards Summary: Tiered annual rewards: 1.25 pts/$1 on first $20k; 2 pts/$1 from $20k–$30k; 1.25 pts/$1 on spend over $30k.

Welcome Bonus Details

Participation in the À la carte Rewards Plan. Periodic welcome offers may apply.

Features & Benefits

Travel Medical Insurance
Up to $5M for 60 days (Ages 54-)
Car Rental Collision/Loss Damage Waiver
Coverage for 48 consecutive days
Trip Cancellation/Interruption Insurance
Cancellation $2,500 / Interruption $5,000
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: 60 days ($5M); Trip Cancel/Interrupt: $2.5k/$5k; Flight & Baggage Delay: Included; Car Rental: 48 days; Purchase Security: 180 days.

Rates, Fees & Eligibility

Purchase APR20.99%
Cash Advance APR22.49%
Annual Fee$115
Supplementary Card Fee$35
Grace Period21 days
Income Required Personal: $50,000
Household: $80,000
Recommended Credit Score—

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Filed Under

Travel Rewards Rewards
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