Travel Rewards
Rewards
National Bank Platinum Mastercard
National Bank of Canada
Current Welcome Offer
Up to 25,000 points and first year annual fee rebate.
Annual Fee
$70
$0
1st Year Free
Purchase APR
20.99%
Cash Adv. APR
22.49%
Welcome Bonus
~$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 & Takeout 1.66%
Gas & Transit 1.25%
Travel 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.
- Groceries and Restaurants (First $1,000 monthly total spend): 2 pts/$1
- Groceries and Restaurants (After $1,000 monthly total spend): 1.5 pts/$1
- Gas and electric vehicle charging: 1.5 pts/$1
- Recurring bill payments: 1.5 pts/$1
- À la carte Travel Agency purchases: 1.5 pts/$1
- Other eligible purchases: 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: $200.00
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
Additional Perks
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Insurance Coverage
Travel Medical
Up to $5M for 10 days (Ages 75 and under)
Trip Cancellation
Up to $1,000 per person
Trip Interruption
Up to $1,500 per person
Flight Delay
$500 (4+ hours)
Baggage Insurance
$500 for delay; $1,000 for theft/loss
Mobile Device Insurance
Up to $1,000 (Loss, theft, or damage)
Auto Rental Collision
Up to 48 consecutive days
Purchase Security
180 days from purchase date
Rates & Fees Details
| Purchase APR | 20.99% |
|---|---|
| Cash Advance APR | 22.49% |
| Annual Fee | $70 |
| Supplementary Card | $35.00 |
| Income Required | No specific requirement listed. |