Travel Rewards
Rewards
National Bank World Mastercard
National Bank of Canada
Welcome Bonus:
Standard À la carte Rewards participation.
Secure RateBuddy connection · Application completed on National Bank of Canada’s site
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 APR | 20.99% |
|---|---|
| Cash Advance APR | 22.49% |
| Annual Fee | $115 |
| Supplementary Card Fee | $35 |
| Grace Period | 21 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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