Illustration, not the actual card design.
National Bank · Earns National Bank Rewards points
National Bank Platinum Mastercard
Annual fee
$70 · waived year one
Welcome offer
Up to 35,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $10,000 in your first 12 months.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$200
+$200 welcome bonus
+$0 yearly credits
−$0 fee (waived)
Year 2
$80
+$150 welcome bonus
+$0 yearly credits
−$70 fee
Every year after
−$70
Costs $70 a year until your spending covers it.
Plus 10 benefits with no fixed dollar value, like Emergency Medical Insurance, Trip Cancellation Insurance and Trip Interruption Insurance. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Oct 10, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Ends Nov 4, 2026. Sign up as a primary cardholder between June 30 and November 4, 2026. Not available if you held any National Bank personal Mastercard as a primary cardholder in the past 12 months, or if you work for National Bank of Canada or a company in its group. Keep the account open and in good standing, with minimum payments made on time, until the points and fee refund are credited. The first-year fee refund is for the primary card only. The promotion can be used once per person and can't be combined with another National Bank credit card promotion.
- 1Buy National Bank's paid credit card payment insurance and keep it for at least the first 3 months10,000 pts≈ $100 est.Year 1
- 2Spend $2,500 in your first 3 months10,000 pts≈ $100 est.Year 1
- 3Spend $10,000 in your first 12 months15,000 pts≈ $150 est.Year 2
- First-year annual fee waived$70savedYear 1
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Valued at 1¢ per National Bank Rewards point.
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Dining & Restaurants | 2 pts per $ | 2¢ |
| Groceries | 2 pts per $ | 2¢ |
| Gas & Fuel | 1.5 pts per $ | 1.5¢ |
| Recurring Bills | 1.5 pts per $ | 1.5¢ |
| Everything else | 0.67 pts per $ | 0.67¢ |
What else you get
Insurance · 10
- Emergency Medical Insurance
Emergency medical up to $5,000,000 per person, trips of 10 days or less, under age 76
- Trip Cancellation Insurance
Non-refundable trip costs if you must cancel for a covered reason, up to $1,000 per person
- Trip Interruption Insurance
Extra travel costs if your trip is interrupted for a covered reason, up to $1,500 per person
- Flight Delay Insurance
Up to $500 per person when a flight is delayed 4 hours or more
Show all 10Show fewer
- Baggage Delay Insurance
Up to $500 per person for essentials when checked bags are delayed 6 hours or more
- Lost Baggage Insurance
Lost, damaged or stolen baggage, up to $1,000 per person
- Rental Car Collision Damage Insurance
Collision, theft or damage to a rental car, rentals of 48 days or less, vehicle MSRP up to $65,000
- Mobile Device Insurance
Breakage, loss or theft of a mobile device, up to $1,000, for 2 years after purchase
- Purchase Protection
Theft or breakage of items bought with the card, 180 days from purchase
- Extended Warranty
Triples the manufacturer's warranty, up to 2 additional years
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by National Bank. Card and program names belong to their owners.
Details last checked Oct 10, 2026.