Business
National Bank Corporate Mastercard
National Bank of Canada
Secure RateBuddy connection · Application completed on National Bank of Canada’s site
Annual Fee
$35
Purchase APR
19.15%
Cash Advance
9.90%
RateBuddy Verdict
The Good
- Offers unmatched flexibility with physical, virtual, and single-use card options tailored to different departments.
- The 9.9% interest rate on cash advances and balance transfers is industry-leading for corporate credit tools.
- Sophisticated spend controls allow administrators to restrict usage by specific merchant categories and transaction counts.
The Trade-offs
- Requires a minimum of $2 million in annual business sales, making it inaccessible for smaller SMEs and startups.
- Does not offer a rewards or cashback program, focusing solely on administrative efficiency and low rates.
Rewards & Earnings
Base Rate
0%
Rewards Summary:
No standard rewards; Enterprise-level utility card focused on accounts payable automation, granular spend controls, and ERP integration.
Welcome Bonus Details
No welcome bonus details are currently listed for this card.
Features & Benefits
Car Rental Collision/Loss Damage Waiver
Included (Collision/Damage)
Expense Management Tools
Full Smart Data ERP integration and granular MCC controls
Employee Cards
$35 per additional employee card
Insurance Coverage
Customizable: Includes Vehicle Rental Insurance and Travel Insurance. Specific coverage depends on the corporate agreement (Partial or Full protections).
Rates, Fees & Eligibility
| Purchase APR | 19.15% |
|---|---|
| Cash Advance APR | 9.90% |
| Annual Fee | $35 |
| Supplementary Card Fee | $35 |
| Grace Period | 21 days |
| Income Required | No specific requirement listed. |
| Recommended Credit Score | — |
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Filed Under
Business
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