National Bank Platinum Mastercard

Earn rates

• Groceries and restaurants2x

  2 points per dollar on the first $1,000 in monthly purchases

• Gas, recurring bills, and a la carte travel1.5x
• All other purchases0.67x

  1 point per $1.50

Welcome offer

Up to 25,000 rewards points upon enrollment

Bonus points

25,000

Minimum spend

$10,000

Spend window

365 days

Offer ends

2026-02-02

Up to 25,000 points: 10,000 on enrollment, 5,000 for spending $2,500 in 3 months, 10,000 for spending $10,000 in 12 months. Offer ran Dec 2, 2025 to Feb 2, 2026.

Fees

Annual fee

—

Additional card

$35

Foreign transaction fee

—

Primary annual fee not confirmed on the live page (rendered as a template placeholder); additional card $35.

Interest rates

Purchase APR

20.99%

Cash advance APR

22.49%

Balance transfer APR

22.49%

Grace period

—

Rate effective date

—

Benefits & insurance

Lounge access

—

Insurance coverages

5

• Travel insurance (trips up to 10 days)
• Mobile device insurance (up to $1,000)
• Purchase protection (180 days)
• Extended warranty
• Rental vehicle coverage

Redemption & eligibility

Reward currency

National Bank Rewards points

Redemption options

Merchandise, Gift cards, Travel, Statement credits

Transfer partners

—

Min. personal income

—

Min. household income

—

No minimum annual income required.