The Best National Bank Credit Cards – May 2026

Q: What's the best credit card for travel? NBC Banque Nationale

The National Bank credit cards for travel are:- National Bank World Elite Mastercard; - National Bank World Mastercard; - National Bank Platinum Mastercard; These National Bank credit cards allow you to quickly accumulate reward points that you can redeem for rewards or travel credits. They also offer comprehensive travel insurance and a welcome bonus.

Q: How can I increase my credit limit NBC?

To request an increase to your National Bank credit card limit, log in to your National Bank online banking:- Click on Balance sheet in the left-hand menu.; - Select your credit card; - Click Increase my limit; - Follow the instructions;

The Best National Bank Credit Cards – May 2026

Below you’ll find the best credit card offers from NBC, National Bank of Canada.

Here is a table summarizing the different offers. For more details, read on or click on the name of a card.

National Bank Travel Rewards Credit Cards

National Bank World Elite Mastercard

With Milesopedia, enjoy an exclusive offer to get up to 50,000 points with the National Bank World Elite Mastercard. This offer is exclusively available through the Milesopedia network and allows you to quickly earn points by following these steps:

10,000 reward points upon enrollment in your credit card payment protection, for a minimum of 3 months of membership.
10,000 points when you make $5,000 in net purchases within the first 3 months.
20,000 points when you reach $20,000 in purchases within the first 12 months.
10,000 points when you combine your credit card with the opening of your first current account within 7 days of your credit card application.

The National Bank World Elite Mastercard is the best Mastercard credit card offered by NBC.

With this card, you earn up to 5 points per dollar on your purchases:

5 points per dollar for groceries and restaurants
2 points per dollar on gas and electric recharge purchases
2 points per dollar on recurring bills
2 points per dollar on À la carte Travel
1 point per dollar for all other purchases

And since it’s an NBC mycredit Mastercard, you can use it at Costco.

With this card, you have access to a $150 annual travel credit that you can use in any of these categories:

Airport parking
Baggage fees
Seat selection
Access to Airport Lounges
Flight upgrades

What’s more, you can enjoy access to DragonPass airport lounges and unlimited access to the National Bank Lounge at Montreal-Trudeau.

Finally, Milesopedia has named the National Bank World Elite Mastercard as the Best Travel Credit Card in 2023, 2024, 2025, and 2026.

National Bank Platinum Mastercard®

With the National Bank Platinum Mastercard^®, you can earn 2 points per dollar on grocery and restaurant purchases, and 1.5 points per dollar on gas, EV charging, recurring bills and À la carte Travel.

Since it is an NBC mycredit Mastercard, you can use it at Costco.

Unlike the other two National Bank travel rewards cards, the National Bank Platinum Mastercard^® does not require a minimum income.

What’s more, you can take advantage of a wide range of insurances usually reserved for high-end credit cards:

180-day Purchase protection in the event of theft or damage
Possibility of tripling the manufacturer’s warranty (up to 2 additional years)
Trip Cancellation Insurance
Trip Interruption Insurance
Out-of-province hospital insurance
Flight Delay Insurance
Baggage insurance in case of delay, theft or loss
Car rental insurance
Mobile Device Insurance

We voted the National Bank Platinum Mastercard^® as the best credit card for young professionals in 2024.

National Bank Cash Back Credit Cards

National Bank Allure Mastercard

Support the Breast Cancer Foundation’s cause at Quebec by becoming a National Bank Allure Mastercard cardholder with this exclusive offer!

For every $2 in purchases charged to your National Bank Allure Mastercard account, you earn 1 point. Once a year, in January, you will receive a $10 cashback for every 1,000 points earned.

And for every $10 you spend with your card, National Bank of Canada donates 10 cents to the Quebec Breast Cancer Foundation! It can be as much as $750,000 per year for all cardholders!

For example, if you charge $1,000/month to your card, National Bank will donate $10/month to the foundation, or $120/year. And since it’s a Mastercard credit card, you can use it at Costco.

Awards Earned

Here are the awards received in the Milesopedia ranking of the best credit cards in Canada in 2025:

Best Travel Credit Card

The National Bank World Elite Mastercard is the Best Credit Card for Travel in 2025 in Canada for these reasons:

Generous insurance coverage for travel and everyday purchases
Award-winning customer service
Up to $150 in annual travel credits
Accepted at almost every retailer worldwide

Best Credit Card For Young Professionals

The Best National Bank Credit Cards – May 2026 - 2025 Milesopedia Awards Best Young Professionals Credit Card

The National Bank Platinum Mastercard^® is the Best Credit Card for Young Professionals in 2025 in Canada for these reasons:

Up to 2 points per dollar for groceries and restaurants
Good insurance for travel and shopping
Accepted in all stores
No minimum income required

Best Mastercard Credit Card

The National Bank World Elite Mastercard is the Best Mastercard Credit Card in 2025 in Canada for these reasons:

Generous insurance coverage for travel and everyday purchases
Up to 5 points per dollar for your purchases
Up to $150 in annual travel credits
Accepted at almost every retailer worldwide

Frequently Asked Questions

Here are some frequently asked questions in the milesopedia community about credit cards in Canada.

What's the best credit card for travel? NBC Banque Nationale

The National Bank credit cards for travel are:

These National Bank credit cards allow you to quickly accumulate reward points that you can redeem for rewards or travel credits. They also offer comprehensive travel insurance and a welcome bonus.

Which is the best NBC cashback credit card?

The NBC mycredit Mastercard is the best National Bank credit card with no annual fees, offering cash back.

You can earn cash back on most of your everyday purchases.

Which credit bureau is verified by NBC National Bank?

NBC National Bank partners with Equifax to check your credit report when you apply for a National Bank credit card.

What are the approval criteria for a National Bank credit card?

When you apply for a National Bank credit card, NBC will check your credit report with Equifax to determine if your credit application is approved. A good credit score is required for most National Bank credit cards.

In addition to the credit score, National Bank has income criteria for certain National Bank credit cards. For example, to get a National Bank World Elite Mastercard^®, you must have a personal income of $80,000 or a family income of $150,000.

How does Paypass NBC contactless payment work?

Contactless payment is the fastest way to pay for your purchases with your National Bank Mastercard credit card. Simply tap your National Bank credit card against a contactless reader at the checkout, and you’re done!

National Bank credit cards allow contactless payment beyond $100 at participating merchants. This makes it easy to earn cash back or reward points for your purchases.

How can I increase my credit limit NBC?

To request an increase to your National Bank credit card limit, log in to your National Bank online banking:

Click on Balance sheet in the left-hand menu.
Select your credit card
Click Increase my limit
Follow the instructions

When should I repay my National Bank credit card?

The due date for your payments is indicated on your National Bank credit card statement. To view your National Bank statement, you can either :

What types of rewards do National Bank credit cards offer?

National Bank credit cards offer either cash back or reward points.

You can use your National Bank Rewards points for travel, account spending, merchandise or gift cards. You’ll find all this information on the NBC Rewards portal, as well as a vast catalog of gift cards (SAQ gift cards, gas gift cards, and even Costco gift cards).

What is the National Bank Lounge?

The National Bank Lounge is a lounge VIP lounge at Montreal-Trudeau international airport, offering drinks, food and Wi-Fi in a relaxed atmosphere.

It is available to passengers traveling internationally only (excluding flights to Canada and the USA). Would you like to have free access with a guest on your next international trip?

This privilege is offered to holders of a National Bank World Elite Mastercard (the National Bank credit card also offering comprehensive travel insurance). Non-holder National Bank customers receive a discounted rate to enter.

How do I contact National Bank Mastercard customer service?

You can contact Mastercard National Bank at 1 888 622-2783.

What is the best National Bank Mastercard?

The best National Bank Mastercard is the National Bank World Elite Mastercard^®.

What is the annual interest rate on the National Bank World Elite Mastercard^®?

The annual interest rate for National Bank World Elite Mastercard^® purchases is 20.99%.

The annual interest rate for balance transfers and cash advances on the National Bank World Elite Mastercard^® is 22.49%.

We advise you to make the full payment on your National Bank credit card each month (and not just the minimum payment).

What is the annual interest rate on the National Bank World^® Mastercard^®?

The annual interest rate for National Bank World^® Mastercard^® purchases is 20.99%.

The annual interest rate for National Bank World^® Mastercard^® balance transfers and cash advances is 22.49%.

What is the annual interest rate on National Bank Platinum Mastercard^®?

The annual interest rate for purchases from the National Bank Platinum Mastercard^® is 20.99%.

The annual interest rate for balance transfers and cash advances from the National Bank Platinum Mastercard^® is 22.49%.

We advise you to pay your National Bank credit card in full monthly (and not just the minimum payment).

Which National Bank credit card offers the best rates?

We advise you to pay your National Bank credit card every month (and not just the minimum payment).

However, if you are looking for a National Bank credit card with the best rates, it is the National Bank Syncro Mastercard.

The National Bank Syncro Mastercard reduced rates for purchases: 8.90%. The interest rate for balance transfers and cash advances is 12.90%.