{"id":321785,"date":"2026-02-07T08:00:00","date_gmt":"2026-02-07T13:00:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=321785"},"modified":"2026-05-09T08:31:03","modified_gmt":"2026-05-09T08:31:03","slug":"comparison-card-cobalt-american-express-vs-world-elite-mastercard-national-bank","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-card-cobalt-american-express-vs-world-elite-mastercard-national-bank\/","title":{"rendered":"Head-to-Head: American Express Cobalt Card vs. National Bank World Elite Mastercard"},"content":{"rendered":"\n<p>American Express Canada and National Bank each offer a credit card that earns 5 points per dollar spent in grocery stores and restaurants:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<\/a><\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621,401432\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card-compare--offer-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--value-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--fee-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-2\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>These are two basic cards that we often recommend when someone wants to earn points quickly and easily.<\/p>\n\n\n\n<p>So, we\u2019ll break down the key differences between these credit cards based on:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"#prime\">Welcome Bonus<\/a><\/li>\n\n\n\n<li><a href=\"#revenu\">Minimum Income<\/a><\/li>\n\n\n\n<li><a href=\"#accumulation\">Earning Points<\/a><\/li>\n\n\n\n<li><a href=\"#utilisation\">Using Points<\/a><\/li>\n\n\n\n<li><a href=\"#frais\">Annual Fee<\/a><\/li>\n\n\n\n<li><a href=\"#assurances\">Travel insurance<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-welcome-bonus\">Welcome Bonus<\/h2>\n\n\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/06\/american_express_cobalt_card.png\" alt=\"Head-to-Head: American Express Cobalt Card vs. National Bank World Elite Mastercard - American Express Cobalt<sup>&reg;<\/sup> Card\" class=\"wp-image-482004\"\/><\/figure>\n<\/div>\n\n\n<p>When you subscribe to the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>, you can earn <strong>up to 15,000 points<\/strong><strong>:<\/strong><\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>1,250 points per month for the first 12 months (monthly expenses of $750 or more)<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/01\/bnc-world-elite-EN-banque-nationale.png\" alt=\"Head-to-Head: BMO Ascend World Elite Mastercard vs. National Bank World Elite Mastercard - National Bank World Elite Mastercard\" class=\"wp-image-341958\"\/><\/figure>\n<\/div>\n\n\n<p>Through Milesopedia, you can get up to 50,000 points with this <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/cards\/nbc-world-elite-mastercard-offer\/\">exclusive welcome offer<\/a> for the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<\/a>:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>10,000 reward points<\/strong> upon enrollment in your credit card payment protection, for a minimum of 3 months of membership.<\/li>\n\n\n\n<li><strong>10,000 points<\/strong> when you make $5,000 in net purchases within the first 3 months.<\/li>\n\n\n\n<li><strong>20,000 points<\/strong> when you reach $20,000 in purchases within the first 12 months.<\/li>\n\n\n\n<li><strong>10,000 points<\/strong> when you combine your credit card with the opening of your first current account within 7 days of your credit card application.<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"125194,324829\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-american-express-cobalt-card\">Advantage: American Express Cobalt<sup>&reg;<\/sup> Card<\/h5>\n\n\n\n<p>The <a target=\"_blank\" href=\"\/go\/world-elite-mastercard-from-national-bank\/\">National Bank<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> wins this round thanks to its generous Milesopedia exclusive offer!<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-minimum-income\">Minimum Income<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/06\/american_express_cobalt_card.png\" alt=\"Head-to-Head: American Express Cobalt Card vs. National Bank World Elite Mastercard - American Express Cobalt<sup>&reg;<\/sup> Card\" class=\"wp-image-482004\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> requires no minimum income.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/01\/bnc-world-elite-EN-banque-nationale.png\" alt=\"Head-to-Head: BMO Ascend World Elite Mastercard vs. National Bank World Elite Mastercard - National Bank World Elite Mastercard\" class=\"wp-image-341958\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite<\/a> <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-world-elite-mastercard\/\">Mastercard<sup>&reg;<\/sup><\/a> <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-world-elite-mastercard\/\">card<\/a> requires:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>$80,000 individual income<\/li>\n\n\n\n<li>$150,000 household income<\/li>\n\n\n\n<li>or assets under management of $400,000 or more<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-american-express-cobalt-card\">Advantage: American Express Cobalt Card<\/h5>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> does not require a minimum income, unlike the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard.<\/a><\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-annual-fee\">Annual Fee<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/06\/american_express_cobalt_card.png\" alt=\"Head-to-Head: American Express Cobalt Card vs. National Bank World Elite Mastercard - American Express Cobalt<sup>&reg;<\/sup> Card\" class=\"wp-image-482004\"\/><\/figure>\n<\/div>\n\n\n<p>For individuals residing outside of Quebec, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a> has monthly fees of $15.99 (a total of $191.88). For individuals residing in Quebec, they are $191.88, payable once a year.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/01\/bnc-world-elite-EN-banque-nationale.png\" alt=\"Head-to-Head: BMO Ascend World Elite Mastercard vs. National Bank World Elite Mastercard - National Bank World Elite Mastercard\" class=\"wp-image-341958\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<\/a> has an annual fee of $150.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-national-bank-world-elite-mastercard\">Advantage: National Bank World Elite Mastercard<\/h5>\n\n\n\n<p>The annual fees for the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<\/a> are less expensive than the fees for the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>.<\/p>\n\n\n\n<p>What&#8217;s more, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<\/a> has a special advantage: it gives you a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/nbc-annual-travel-credit\/\" target=\"_blank\" rel=\"noopener\">$150 travel credit<\/a> every year!<\/p>\n\n\n\n<p>As a result, cardholders have a total of $150 to apply to certain travel expenses. Used to its full potential, <strong>it costs nothing<\/strong> each year, and even less in the first year with the current promotion.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"170863\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-earning-points\">Earning Points<\/h2>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> and the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<\/a> offer similar levels of point accumulation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-accumulation-levels\">Accumulation Levels<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/06\/american_express_cobalt_card.png\" alt=\"Head-to-Head: American Express Cobalt Card vs. National Bank World Elite Mastercard - American Express Cobalt<sup>&reg;<\/sup> Card\" class=\"wp-image-482004\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>, you can earn <strong>up to 5 points per dollar<\/strong>:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr style=\"height: 23px\"><td class=\"has-text-align-center\" data-align=\"center\"><strong>Category<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Points<\/strong><\/td><\/tr><\/thead><tbody><tr style=\"height: 47px\"><td class=\"has-text-align-center\" data-align=\"center\">Grocery, Restaurant, Home Food Delivery, Bars, Convenience Stores<\/td><td class=\"has-text-align-center\" data-align=\"center\">5*<\/td><\/tr><tr style=\"height: 10px\"><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"http:\/\/americanexpress.ca\/diffusion-en-continu\" target=\"_blank\" rel=\"noopener\">Streaming services<\/a> (Apple TV+, Apple Music, Crave, Disney+, Netflix, RDS, TSN, etc.)<\/td><td class=\"has-text-align-center\" data-align=\"center\">3<\/td><\/tr><tr style=\"height: 23px\"><td class=\"has-text-align-center\" data-align=\"center\">Local transport, service stations<\/td><td class=\"has-text-align-center\" data-align=\"center\">2<\/td><\/tr><tr style=\"height: 23px\"><td class=\"has-text-align-center\" data-align=\"center\">Other purchase<\/td><td class=\"has-text-align-center\" data-align=\"center\">1<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<p>For the 5X points category, you can earn <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/news\/cobalt-american-express-cap-5x-multiplier\/\" target=\"_blank\" rel=\"noopener\">5 points per dollar up to $2,500 in monthly purchases<\/a> in this category, charged to the card. Starting at $2,501, points are accumulated at a rate of 1 point per dollar for the 5 X points category.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/01\/bnc-world-elite-EN-banque-nationale.png\" alt=\"Head-to-Head: BMO Ascend World Elite Mastercard vs. National Bank World Elite Mastercard - National Bank World Elite Mastercard\" class=\"wp-image-341958\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard <\/a>you can also earn <strong>up to 5 points per dollar<\/strong>:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Category<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Points<\/strong><\/td><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Grocery and Restaurant<\/td><td class=\"has-text-align-center\" data-align=\"center\">5*<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Gasoline, Electric recharge, Recurring bill, \u00c0 la carte Travel<\/td><td class=\"has-text-align-center\" data-align=\"center\">2<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Other purchase<\/td><td class=\"has-text-align-center\" data-align=\"center\">1<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<p>For the Grocery and Restaurant category, you can earn 5 points for every dollar spent in the first $2,500 of monthly purchases (all categories combined) charged to the card. Starting at $2,501, points are accumulated at a rate of 2 points per dollar for the 5 X points category.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-draw\">Draw<\/h5>\n\n\n\n<p>Depending on your needs and the majority of your expenses, you may choose one or the other. Since groceries are a major budget item, getting 5 points per dollar on one of these 2 credit cards for this expense is excellent.<\/p>\n\n\n\n<p>Don&#8217;t forget the possibility of buying gift cards at the grocery store to maximize your points: you earn <strong>5 points per dollar<\/strong>, even on Walmart, Amazon, Sports Experts, Canadian Tire <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/special-offers\/5-points-stores\/\">gift cards<\/a>, and so on.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"131976\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-redeeming-points\">Redeeming Points<\/h2>\n\n\n\n<p>Both cards are part of different loyalty programs:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/nbc-a-la-carte-rewards\/\" target=\"_blank\" rel=\"noopener\">NBC Points <\/a> from the NBC \u00c0 la carte Rewards Program for the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/membership-rewards-american-express\/\">American Express Membership Rewards<\/a> for <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<p>Thus, the ways of using the points are different.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-redeeming-points\">Redeeming Points<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/06\/american_express_cobalt_card.png\" alt=\"Head-to-Head: American Express Cobalt Card vs. National Bank World Elite Mastercard - American Express Cobalt<sup>&reg;<\/sup> Card\" class=\"wp-image-482004\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> is highly versatile and flexible. You can redeem Membership Rewards points for a statement credit on:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Travel purchases (car rental, hotels, flights, etc.);<\/li>\n\n\n\n<li>Everyday purchases (groceries, gas, bill payments, etc.).<\/li>\n<\/ul><\/div>\n\n\n\n<p>The usage rate is <strong>1,000 points = $10<\/strong>.<\/p>\n\n\n\n<p>So use your Membership Rewards points to simply pay off your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card balance. <\/a><\/p>\n\n\n\n<p>A <strong>minimum of 1,000 points<\/strong> (minimum $10) is required, and thereafter in increments of one cent per point.<\/p>\n\n\n\n<p>In addition, redeem your Membership Rewards points to:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/american-express-fixed-points-travel-program\/\">Save on flights<\/a> with American Express&#8217;s flat-rate pricing;<\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/tutorial-transfer-membership-rewards\/\">Points transfers to travel partners <\/a>: Aeroplan British Airways Executive Club, Air France KLM Flying Blue, Delta SkyMiles, Etihad Guest, Asia Miles, Marriott Bonvoy and Hilton Honors.<\/li>\n<\/ul><\/div>\n\n\n\n<p>It offers plenty of opportunities, depending on what you need and when you want it.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/01\/bnc-world-elite-EN-banque-nationale.png\" alt=\"Head-to-Head: BMO Ascend World Elite Mastercard vs. National Bank World Elite Mastercard - National Bank World Elite Mastercard\" class=\"wp-image-341958\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<\/a>, it\u2019s different. NBC points cannot be transferred to other rewards programs.<\/p>\n\n\n\n<p>To redeem your <a class=\"thirstylink\" title=\"National Bank World Elite Mastercard\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-world-elite-mastercard\/\" data-wct-parsed=\"1\">National Bank World Elite Mastercard <\/a>you will need to log in to your online account <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/nbc-a-la-carte-rewards\/\">NBC \u00e0 la carte Rewards program<\/a>.<\/p>\n\n\n\n<p>You can then use these points NBC thanks to various options:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Rewards<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Points for $100<\/strong><\/td><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Exchange on the NBC \u00e0 la carte Rewards dedicated portal<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>10&nbsp;000<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Flexible travel discount\n(from 55,000 points redeemed)<\/td><br><td class=\"has-text-align-center\" data-align=\"center\">11,000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Flexible travel discount (on travel purchases you book yourself)<\/td><td class=\"has-text-align-center\" data-align=\"center\">12&nbsp;000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Extras \u00e0 la carte<\/strong>\nRRSP or TFSA contribution<br>Repayment of all-in-one mortgage or mortgage loan<\/td><br><td class=\"has-text-align-center\" data-align=\"center\">12&nbsp;000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Gift card<\/td><td class=\"has-text-align-center\" data-align=\"center\">12,000 &#8211; 13,500<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Statement credit<\/td><td class=\"has-text-align-center\" data-align=\"center\">25,000<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-american-express-cobalt-card\">Advantage: American Express Cobalt Card<\/h5>\n\n\n\n<p>Thanks to the great flexibility of the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> and Membership Rewards points, they can be used in a variety of ways. Points can be used for travel purchased on the card:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Flights<\/li>\n\n\n\n<li>Rental Cars<\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/hotels\/\">Hotel<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/save-money-airbnb\/\">Airbnb rental<\/a><\/li>\n\n\n\n<li>Etc<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"138018,194706\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-other-benefits\">Other Benefits<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/06\/american_express_cobalt_card.png\" alt=\"Head-to-Head: American Express Cobalt Card vs. National Bank World Elite Mastercard - American Express Cobalt<sup>&reg;<\/sup> Card\" class=\"wp-image-482004\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> you can also enjoy:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Various <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/special-offers\/american-express-offers\/\" target=\"_blank\" rel=\"noopener\">promotional offers<\/a> (which can offset the monthly fee)<\/li>\n\n\n\n<li>Access to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/book-best-concerts-shows-credit-cards\/#avant-premi_remd_d_american_express_\" target=\"_blank\" rel=\"noopener\">exclusive presale Front Of The Line<sup>&reg;<\/sup> tickets to concerts<\/a> and plays through American Express<sup>&reg;<\/sup> Experiences<\/li>\n\n\n\n<li>Amazon&#8217;s Shop with Points program<\/li>\n\n\n\n<li>Hotel reservations at The Hotel Collection with specific perks<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/01\/bnc-world-elite-EN-banque-nationale.png\" alt=\"Head-to-Head: BMO Ascend World Elite Mastercard vs. National Bank World Elite Mastercard - National Bank World Elite Mastercard\" class=\"wp-image-341958\"\/><\/figure>\n<\/div>\n\n\n<p><strong>Each calendar year<\/strong>, the holder of a <a class=\"thirstylink\" title=\"The National Bank's World Elite Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-world-elite-mastercard\/\" target=\"\" rel=\"noopener noreferrer\" data-linkid=\"26730\">National Bank World Elite Mastercard<\/a> cardholder has a travel credit of $150 to reimburse certain travel expenses:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Airport parking<\/li>\n\n\n\n<li>Baggage fees<\/li>\n\n\n\n<li>Seat selection<\/li>\n\n\n\n<li>Access to airport lounges<\/li>\n\n\n\n<li>Airline ticket upgrades<\/li>\n<\/ul><\/div>\n\n\n\n<p>It also offers:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Free, <strong>unlimited<\/strong> access to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/airport-lounges\/national-bank-airport-lounge-montreal-trudeau\/\" target=\"_blank\" rel=\"noopener\">lounge National Bank<\/a> at Montreal-Trudeau International Airport<\/li>\n\n\n\n<li>A subscription to the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/how-dragonpass-works\/\" target=\"_blank\" rel=\"noopener\">DragonPass program<\/a>, which gives you access to over 1,300 airport lounges worldwide (USD 32 per person).<\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/flexiroam-esim-mastercard\/\" target=\"_blank\" rel=\"noopener\">Free Wi-Fi access on the move<\/a>, anywhere in the world, thanks to <a href=\"https:\/\/redeem.boingo.com\/mccan\/?lang=fc\" target=\"_blank\" rel=\"noopener\">Boingo<\/a><\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-national-bank-s-world-elite-mastercard\">Advantage: National Bank&#039;s World Elite Mastercard<sup>&reg;<\/sup><\/h5>\n\n\n\n<p>With its wide range of travel benefits, the <a class=\"thirstylink\" title=\"The National Bank's World Elite Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-world-elite-mastercard\/\" target=\"\" rel=\"noopener noreferrer\" data-linkid=\"26730\">National Bank World Elite Mastercard<\/a> is unbeatable in this respect.<\/p>\n\n\n\n<p>Whereas for the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card <\/a>its advantages lie more in everyday shopping.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-insurance\">Insurance<\/h2>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr style=\"height: 24px\"><td>Insurance<\/td><td><img class=\"wp-image-162053 aligncenter\" title=\"Business Platinum Card<sup>&reg;<\/sup> from American Express\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/cobalt-card-450x285.png\" alt=\"cobalt card\" width=\"186\" height=\"118\"><\/td><td><img decoding=\"async\" class=\"wp-image-341957 aligncenter\" title=\"National Bank World Elite Mastercard exclusive offer\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/01\/bnc-world-elite-FR-banque-nationale-450x284.png\" alt=\"Image of a National Bank World Elite Mastercard credit card with an exclusive badge.\" width=\"181\" height=\"114\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/01\/bnc-world-elite-FR-banque-nationale-450x284.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/01\/bnc-world-elite-FR-banque-nationale-200x126.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/01\/bnc-world-elite-FR-banque-nationale.png 600w\" sizes=\"(max-width: 181px) 100vw, 181px\" \/><\/td><\/tr><\/thead><tbody><tr style=\"height: 24px\"><td>Trip Cancellation Insurance<\/td><td>&#8211;<\/td><td>up to<strong> $2,500<\/strong><\/td><\/tr><tr style=\"height: 24px\"><td>Trip interruption insurance<\/td><td>&#8211;<\/td><td>up to <strong>$5,000<\/strong><\/td><\/tr><tr style=\"height: 48px\"><td>Out-of-province\/country emergency medical coverage<\/td><td>Up to <strong>$5,000,000<\/strong> for <strong>15 days<\/strong><\/td><td>Up to <strong>$5,000,000<\/strong> for up to <strong>60 days<\/strong><\/td><\/tr><tr style=\"height: 24px\"><td>Flight delay insurance<\/td><td>Up to $500\nafter 4 hours<\/td><br><td>Up to $500<br>after 4 hours<\/td><\/tr><tr style=\"height: 24px\"><td>Baggage Delay Insurance<\/td><td>Up to $500\nafter 6 hours<\/td><br><td>Up to $500<br>after 6 hours<\/td><\/tr><tr style=\"height: 24px\"><td>Baggage loss or theft insurance<\/td><td>up to $500<\/td><td>up to<strong> $1,000<\/strong><\/td><\/tr><tr style=\"height: 24px\"><td>Hotel burglary insurance<\/td><td>up to $500<\/td><td>&#8211;<\/td><\/tr><tr style=\"height: 24px\"><td>Rental car theft and damage insurance<\/td><td>up to <strong>$85,000<\/strong><\/td><td>up to $65,000<\/td><\/tr><tr style=\"height: 24px\"><td>Travel accident insurance<\/td><td>$250,000<\/td><td><strong>$500,000<\/strong><\/td><\/tr><tr style=\"height: 24px\"><td>Purchase Protection<\/td><td>1 additional year<\/td><td><strong>2 additional years<\/strong><\/td><\/tr><tr style=\"height: 24px\"><td>Purchase Guarantee<\/td><td>Up to $1,000\n90 days<\/td><br><td>Up to $1,000<br><strong>180 days<\/strong><\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-national-bank-s-world-elite-mastercard\">Advantage: National Bank&#039;s World Elite Mastercard<sup>&reg;<\/sup><\/h5>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/travel-national-bank-world-elite-mastercard\/\" target=\"_blank\" rel=\"noopener\">National Bank World Elite Mastercard<\/a> offers much more generous additional coverage than the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>.<\/p>\n\n\n\n<p>What&#8217;s more, it requires only <strong>a portion of<\/strong> travel purchases to be charged to the card. The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/cobalt-card-best-card-canada\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> Card, on the other hand, requires the entire trip to have been charged to it.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>So? Which card is the winner?<\/p>\n\n\n\n<p>In our opinion, these two credit cards <strong>complement each other<\/strong>. For everyday purchases, it&#8217;s the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>. For travel purchases and its insurance, it&#8217;s the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard.<\/a><\/p>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> is the perfect way to do whatever you want with your points without breaking the bank! In addition, it stands out with:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Its advantages for everyday purchases (credits for purchases in certain shops, access to show pre-sales, etc.);<\/li>\n\n\n\n<li>The absence of a minimum income requirement;<\/li>\n\n\n\n<li>Its points that can be used on anything;<\/li>\n\n\n\n<li>The possibility of transferring points to several other loyalty programs.<\/li>\n<\/ul><\/div>\n\n\n\n<p>While the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<\/a> stands out thanks to:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Its $150 travel credit;<\/li>\n\n\n\n<li>Its robust travel insurance package, one of the best of any credit card;<\/li>\n\n\n\n<li>The possibility of using it at Costco;<\/li>\n\n\n\n<li>The opportunity to invest your points in an RRSP, TFSA or to pay off your mortgage;<\/li>\n\n\n\n<li>Unlimited access to the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/airport-lounges\/national-bank-airport-lounge-montreal-trudeau\/\" target=\"_blank\" rel=\"noopener\">National Bank Lounge<\/a> before your trip to<a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/yul-montreal-trudeau\/\" target=\"_blank\" rel=\"noopener\"> Montreal-Trudeau International Airport<\/a>.<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621,401432\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-3\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"64086,170863\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faq-cobalt-vs-nbc-world-elite\">Frequently Asked Questions about the head-to-head between the American Express Cobalt and National Bank World Elite Mastercard<\/h2>\n\n\n\n<p>Here are frequently asked questions in <a target=\"_blank\" class=\"thirstylink\" title=\"the milesopedia facebook group\" href=\"\/go\/fbgroupe\/\" rel=\"nofollow noindex\">the milesopedia community<\/a> about this card.<\/p>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_card_earns_more_points_on_groceries_and_restaurants_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich card earns more points on groceries and restaurants?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Both cards earn 5 points per dollar on groceries and restaurants up to a $2,500 monthly cap, so they tie at the maximum. Above the cap, the Cobalt drops to 1 point per dollar while the National Bank World Elite drops to 2 points per dollar, giving NBC the edge for households with higher monthly food spending. However, Membership Rewards points (Cobalt) are valued around 2 cents each when transferred to Aeroplan, while NBC \u00c0 la carte points sit closer to 0.9 cent, so the Cobalt&#8217;s effective return on the first $2,500 monthly is roughly double.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"is_the_nbc_world_elite_really_fee-free_with_the_150_travel_credit_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIs the NBC World Elite really fee-free with the $150 travel credit?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes, in practical terms. The $150 annual fee is offset by an automatic $150 yearly travel credit applied to the first eligible travel charges (baggage fees, seat selection, lounge passes, parking). As long as you spend at least $150 on travel-adjacent purchases each year, the card is effectively free. Travelers who never fly may not redeem the credit fully, in which case the $191.88 Cobalt becomes the better economic choice if you&#8217;re not extracting the travel credit.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_i_transfer_national_bank_la_carte_points_externally_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I transfer National Bank \u00c0 la carte points externally?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>No. \u00c0 la carte points stay locked inside National Bank&#8217;s internal redemption portal, which means flights and hotels are priced at fixed cents-per-point with no airline transfer partners. The Cobalt, by contrast, transfers Membership Rewards 1:1 to Aeroplan, British Airways Avios, Air France-KLM Flying Blue and others, plus 5:6 to Marriott Bonvoy. For award-chasers who want to book premium cabins or use sweet-spot redemptions, the Cobalt&#8217;s flexibility is in another league.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_card_has_stronger_travel_insurance_coverage_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich card has stronger travel insurance coverage?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The National Bank World Elite Mastercard wins decisively. It includes up to $5 million in emergency medical coverage (60-day trip duration), trip cancellation up to $2,500, and $500,000 in common carrier accident insurance. The Cobalt offers a lighter package: emergency medical to $5 million but only on 15-day trips for under-65s, plus baggage delay and trip interruption coverage at lower limits. Frequent travelers and snowbirds should lean NBC; lighter travelers who prioritize redemption flexibility get more from the Cobalt.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-go-further-with-membership-rewards\">Go further with American Express Membership Rewards<\/h2>\n\n\n\n<p>To maximize your Membership Rewards earning, check our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/membership-rewards-american-express\/\">complete American Express Membership Rewards program guide<\/a> and our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/membership-rewards\/\">best American Express Membership Rewards credit cards ranking<\/a>, updated monthly by the Milesopedia team.<\/p>","protected":false},"excerpt":{"rendered":"<p>Here&#8217;s our detailed comparison of the American Express Cobalt\u1d39\u1d30 Card and the National Bank World Elite Mastercard\u00ae Credit Card.<\/p>","protected":false},"author":3,"featured_media":349126,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45831],"tags":[],"mc_loyalty_program":[690,700],"class_list":["post-321785","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","mc_issuer-american-express-canada-en","mc_issuer-national-bank-of-canada","mc_loyalty_program-american-express-membership-rewards","mc_loyalty_program-bnc-rewards","mc_market-all-of-canada","tutorial-comparisons"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - 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