National Bank Platinum Business Mastercard
Travel Rewards Business Rewards

National Bank Platinum Business Mastercard

National Bank of Canada National Bank of Canada
Welcome Bonus: Up to 60,000 points and first-year annual fee rebate.
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 APR20.99%
Cash Advance APR22.99%
Annual Fee$125
Supplementary Card Fee$50
Grace Period21 days
Income Required No specific requirement listed.
Recommended Credit Score—

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Filed Under

Travel Rewards Business Rewards
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