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  • 2X Points on All Purchases
  • Premium Insurance
  • Access to VIP Lounges
Learn More

Earn up to $1,400 in value, including up to 165,000 TD Rewards Points, receive an annual fee rebate for the first year and additional travel benefits. Conditions Apply.

  • Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card.
  • Earn 145,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening.
  • Earn a Birthday Bonus of up to 10,000 TD Rewards points.
  • Get an annual TD Travel Credit of $100 when you book at Expedia® For TD.
  • Get an Annual Fee Rebate for the first year.
  • Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277).

To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Earn TD Reward Points on all the things you normally do, whether you use your Card for groceries, dining, paying bills streaming services or booking travel. The rewards will add up quickly so you can enhance your everyday experiences and enjoy a wide variety of rewards.

  • Earn 8 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD
  • Earn 6 TD Rewards Points for every $1 you spend on Groceries, Dining, and Public Transit
  • Earn 4 TD Rewards Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media
  • Earn 2 TD Rewards Points for every $1 you spend on other Purchases made using your Card plus earn an annual Birthday Bonus of up to 10,000 TD Rewards Points
  • Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply. Conditions Apply.
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Terms and conditions apply.

Annual Fee
  • Primary card $139
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Earning Rate
  • Groceries6TD Rewards Points
  • Dining and Food delivery6TD Rewards Points
  • Local Transport6TD Rewards Points
Value
  • Year 1
  • Year 2+
Best For
Transfer Partners
  • TD Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
21 day(s)
Travel medical insurance up to 64 years old
$2,000,000
21 day(s)
Travel medical insurance 65+
$2,000,000
4 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • 5X points on groceries, gas, dining and transit
  • $50 Anniversary Lifestyle Credit
  • Visa Infinite Benefits
Learn More

Exclusive welcome offer: Get up to $1,200 in value, including up to 80,000 bonus points, a monthly statement credit for streaming services, a $50 statement credit, and no annual fee for the first year.*

  • Earn 5x the BMO Rewards points on groceries, dining, gas and transit.*
  • Get 1 BMO Reward for every $1 spent on everything else.*
  • Get a monthly streaming credit.*
  • Get a $50 annual lifestyle credit to spend however you want.*
  • Earn 10% more points when you add an authorized user to your account*
  • Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
  • Mobile Device Insurance that covers you for up to $1,000*
  • Pay with Points by browsing your recent transactions & redeem your points for as little as $1.*
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*Terms and conditions apply.

BMO is not responsible for maintaining the content on this site. For the latest information, please click on Apply Now.

Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Earning Rate
  • Groceries5Points
  • Gas5Points
  • Dining and Food delivery5Points
Value
  • Year 1 $1,139
  • Year 2+ $365
Best For
Transfer Partners
  • BMO Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
21 day(s)
Travel medical insurance up to 64 years old
$5,000,000
21 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance

Welcome offer: Get a 0% introductory interest rate on Balance Transfers for 9 months with a 0.99% transfer fee and we’ll waive the $29 annual fee for the first year.*

  • Enjoy our lowest interest rate of 13.99% on purchases*
  • Free extended warranty and purchase insurance*
  • Enjoy three months of Instacart+ membership and a monthly $5 Instacart credit when you sign up with your eligible BMO credit card*
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*Terms and conditions apply

BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.

Annual Fee
  • Primary card $29
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Value
  • Year 1 $0
  • Year 2+ $-29
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Up to 5 points per dollar spent on groceries and restaurants
  • Get up to a $150 refund on travel expenses
  • Premium Insurance
Learn More

By clicking on the Subscribe button, you will be redirected directly to the National Bank credit card application form. Make sure you have the following information on hand: contact details, employment status, income and valid ID.

Take advantage of this excellent exclusive offer: earn up to 50,000 bonus points (valued at $1,372 in the first year), distributed as follows:

  • 10,000 points when enrolling in payment insurance* for at least the first 3 months.
  • 10,000 points if you made $5,000 in net purchases in the first 3 months after enrolment
  • 20,000 points if you made $20.000 in net purchases during the first 12 months
  • Bonus current account offer: 10,000 points if you combine your credit card with the opening of a first current account within a maximum of 7 days following the signing of the credit card application form
  • Earn up to 5 points per dollar spent on eligible grocery and restaurant purchases.*
  • Earn 2 points per dollar spent on eligible gas and electric recharging expenses, recurring bills and purchases made À la carteTM travel purchases.*
  • Earn 1 point per dollar spent on other purchases.
  • Up to a $150 refund per year on travel expenses, including seat selection, airport parking, baggage fees, access to airport lounges worldwide, and ticket upgrades.
  • Your credit card gives you access to a multitude of rewards. Our clients can choose from several options to treat themselves with the points they've accumulated:
    • Get your hands on new electronics, kitchen accessories, gift cards and more
    • Use your points to make a payment on your credit card
    • Contribute to your RRSP and TFSA
    • Make a donation to a participating charity
    • Plan your next vacation
    • And more!
  • Enjoy unlimited free access for you and a guest at lounge from the National Bank at Montreal-Trudeau airport, including drinks, snacks, Wi-Fi, and much more*.
  • Enjoy up to 60 days of coverage with our travel, trip cancellation/interruption, baggage loss and car rental insurance.
  • Out-of-province hospital medical insurance, departure flight delay insurance, baggage insurance in case of delay, baggage insurance in case of theft or loss, vehicle rental insurance.
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CONDITIONS – Milesopedia WORLD ELITE CARD PROMOTIONAL OFFER

Length of the welcome promotion

From 3, February to 29, June 2026

Eligibility conditions

  • Sign up for a National Bank® World Elite® Mastercard® credit card during the promotion period via the redirection link provided on the Milesopedia network websites during the promotion as a primary cardholder, as the primary cardholder.
  • Not have held any National Bank Mastercard credit card for individuals in the past 24 months as the primary cardholder.
  • Maintain the credit card account open and in good standing until the rewards points are paid. To be considered in good standing, you must comply with the conditions set out in the Credit Card Agreement, such as paying all fees and minimum payments on time.
  • Not be employed by us or by any entity within our group.

Description of the promotion

Points offered Terms and conditions When points are awarded
10,000 Sign up for payment insurance* for at least the first 90 days. Within five months of the minimum period of enrolment.
10,000 $5,000 in net purchases in the first 90 days. By the end of the 6th month after enrolment**
20,000 $20,000 in net purchases in the first 12 months. By the end of the 15th month after enrolment**

Bonus current account offer

Combine your credit card with the opening of a first current account within a maximum of 7 days following the signing of the credit card application form and meet the following conditions to obtain bonus rewards points:

Points offered Terms and conditions When points are awarded
10 000 (i) Open a first current account with National Bank as the main holder, co-holder or sole holder, not having held one in the past two years as a main holder, co-holder or sole holder, and subscribe to one of the following packages:
Connected®
Total®
New comers checking account
Offer for professionals
(ii) Keep the current account with an eligible package open and in good standing for at least the first 180 days and until the points are credited to the credit card account.
All conditions in this section must be met to qualify for this bonus.
By the end of the 9th month following credit card enrolment

*To apply for payment insurance, you must complete the Credit Card Payment Protection Plan (CCPP) section in the credit card application form.

**The purchase calculation period starts on the date you sign up for the card. For example, if you sign up for the card on 15 February 2026, you have until 15 May 2026 to make the required $5,000 in purchases to obtain the 5,000 points offered, which will be credited to your account by the end of August 2026.

How total purchases are calculated

The calculation is for the total amount of purchases made through all cards linked to the account. The transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards PlanTM.

Other Conditions

  • You may only benefit from the promotion once.
  • The card is issued subject to credit approval by the National Bank. Other conditions apply to the issue of the card.
  • You must keep your National Bank current account in good standing for at least 180 days from the date the new current account is opened and until the points are credited to the credit card account. For the purposes of this promotion, the current account is not in good standing if:
    • It is overdrawn, meaning it has an unauthorised negative balance.
    • It has been used inappropriately, unauthorisedly, illegally, or abusively, as described in article 8.7 of the Deposit Account Agreement of the National Bank.
  • This promotion may not be combined with any other promotion or offer applicable to National Bank credit cards, nor is it retroactive.
  • This promotion may be changed or withdrawn without notice.
Earning Rate
  • Groceries5Points
  • Dining and Food delivery5Points
  • Gas2Points
Value
  • Year 1 $1,373
  • Year 2+ $923
Best For
Transfer Partners
  • NBC Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
60 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
15 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
  • Earn MileagePlus miles on your purchases
  • 10% discount on reward flights
  • Free First Checked Bag with United
Learn More

Welcome Offer and Renewal

Earn up to 25,000 miles, including a welcome bonus and an annual renewal bonus.

Welcome Bonus — up to 20,000 MileagePlus miles

  • 5,000 miles on card activation and first transaction
  • Additional 15,000 miles when you spend $3,000 net of refunds within 3 months of application

Renewal bonus

  • 5,000 miles per year when the account remains open and active with eligible spend within 365 days

Mile Earn Rates

  • 1.25 miles per $1 on United and Star Alliance flights
  • 1 mile per $1 on dining and groceries
  • 0.75 miles per $1 everywhere else
  • Bonus miles via the Neo merchant partner network of over 10,000 Neo merchant partners

Benefits of the card

  • Free First checked bag: Your first checked bag is covered on all your United-operated flights.
  • Priority Boarding — Group 2: Be among the first to board with Group 2 priority boarding for you and your family.
  • Nexus application fee credit: Up to $120 USD reimbursed every 5 years for a new Nexus application or renewal. Nexus allows for expedited border crossing between Canada and the United States.
  • Star Alliance Global Network: Earn and redeem MileagePlus miles on United Airlines and over 25 Star Alliance partner airlines worldwide, including Air Canada and Lufthansa.

World Elite Mastercard Benefits

  • Mastercard Zero Liability
  • Mastercard Global Service
  • Mastercard Travel Pass (DragonPass): Access to over 1,400 airport lounges worldwide through the Mastercard Travel Pass program provided by DragonPass. Membership is included; per-visit fees apply.

Insurance

  • Emergency medical insurance
  • Comprehensive Travel Insurance
  • Extended Warranty and Purchase Protection
  • Car Rental Collision and Damage Insurance

Chubb travel insurance is not offered in Quebec.

Maximize your travel: earn more miles on every flight

When you book a United flight, you earn miles as a MileagePlus member—but as a cardholder, you earn even more. You receive the miles awarded by United for your flight, plus the miles you earn by paying with your card.

Your earnings add up, allowing you to build your miles balance significantly faster than non-cardholders each time you travel.

Get more value from your miles

As a United cardholder, your miles are worth more—and give you access to more options.

You automatically receive at least a 10% discount on award flights (and 15% if you hold Premier status), allowing you to use fewer miles for the same trip.

In addition, you gain access to exclusive availability on Saver Award fares, including premium-cabin seats such as Polaris® business class, which are not always available to non-cardholders.

In practical terms, this means:

  • You spend fewer miles on your flights
  • You gain access to better seats and more options
  • You can book travel experiences that are unavailable to other members
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Conditions Apply. Conditions apply. Limited one-time offer for new customers who have not opened a United Neo World Elite Mastercard before the date of application approval. Must (1) be the age of majority in your province or territory of residence; (2) be a Canadian resident; (3) have annual personal income of $80,000 CAD or annual household income of $150,000 CAD; and (4) for secured cards only, provide security funds. Initial 5,000 MileagePlus miles are issued once the card is activated. To earn additional 15,000 MileagePlus miles, minimum spend of $3,000 net of refunds must be completed within 3 months from application start date. Additional MileagePlus miles are issued 6–8 weeks after the qualifying spend period. MileagePlus® miles may be limited and vary by perks, offer, and partner. Offer is subject to MileagePlus® terms and conditions. MileagePlus® is managed, administered, and serviced by MileagePlus Holdings, LLC. Neo Financial™ and United MileagePlus® reserve the right to amend or withdraw this offer at any time.
Neo Financial™ and United MileagePlus reserve the right to modify or withdraw this offer at any time.

Annual Fee
  • Primary card $89
  • Additional card
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Earning Rate
  • Groceries1MileagePlus mile
  • Dining and Food delivery1MileagePlus mile
  • All Spending0.75MileagePlus mile
Value
  • Year 1 $805
  • Year 2+ $355
Best For
Transfer Partners
  • United MileagePlus

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$1,000,000
14 day(s)
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance

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