Travel Rewards
Rewards
National Bank World Mastercard
National Bank of Canada
Current Welcome Offer
Standard À la carte Rewards participation.
Annual Fee
$115
Purchase APR
20.99%
Cash Adv. APR
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 & Takeout 1.10%
Gas & Transit 1.10%
Travel 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.
- Annual net spend $0 - $20,000: 1.25 pts/$1
- Annual net spend $20,001 - $30,000: 2 pts/$1
- Annual net spend $30,001 and above: 1.25 pts/$1
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
Additional Perks
- :
- :
- :
- :
Insurance Coverage
Travel Medical
Up to $5M. Duration: 60 days (54-), 31 days (55-64), 15 days (65-75).
Trip Cancellation
Up to $2,500 per person
Trip Interruption
Up to $5,000 per person
Flight Delay
$500 (4+ hours)
Baggage Insurance
$500 for delay; $1,000 for theft/loss
Auto Rental Collision
Up to 48 consecutive days (includes theft of personal effects up to $2,000)
Purchase Security
180 days from purchase date
Extended Warranty
Triple manufacturer warranty up to 2 additional years
Rates & Fees Details
| Purchase APR | 20.99% |
|---|---|
| Cash Advance APR | 22.49% |
| Annual Fee | $115 |
| Supplementary Card | $35.00 |
| Income Required |
Personal: $50,000 Household: $80,000 |