The National Bank World Mastercard earns up to 2 À la Carte Rewards points on all purchases.
Rewards Rates
The National Bank World Mastercard earns À la carte rewards points for all purchases made on the card:
- 1.25 À la carte rewards points for every dollar spent on the first $20,000 in purchases during a cardholder year.
- 2 À la carte rewards points for every dollar spent between $20,000 and $30,000 in net spend during a cardholder year.
- 1.25 À la carte rewards points for every dollar spent on any purchases once the cardholder has spent $30,000 during a cardholder year.
Redeeming À la Carte Rewards Points
À la Carte Rewards points should be redeemed for travel purchases, as the best value for À la carte rewards points is to redeem them against travel purchases made through the À la carte rewards travel agency, as points will be worth 1 cent per point with this redemption option.
A close second is to redeem them against travel you have booked on your own, as points will be worth 0.833 cents per point with this redemption option.
Points can also be redeemed for statement credits, contributions to an investment account, gift cards, or merchandise, but these are much lower-value redemption options compared to using your points for travel.
Insurance Coverage
The National Bank World Mastercard offers several types of insurance coverage:
- Emergency medical insurance: Coverage of up to $5,000,000 for the first 60 days of any out-of-province trips for travelers aged 54 and under; or the first 31 days for those aged 55 to 64; or the first 15 days for those aged 65 to 75 (if the length of trip exceeds the maximum number of covered days, no coverage is offered for that trip)
- Trip cancellation insurance: Up to $2,500 per person
- Trip interruption insurance: Up to $5,000 per person
- Flight delay insurance: Up to $500 per person on a minimum 4-hour delay
- Delayed, lost, damaged, or stolen baggage insurance: Up to $1,000 per person (up to $500 for baggage delay)
- Rental car insurance: Comprehensive coverage for cars up to $65,000 MSRP
- Purchase protection: Coverage for accidental physical damage or theft for 180 days from the date of purchase
- Extended warranty: Triple the manufacturer’s original warranty up to two additional years
Refer to the National Bank World Mastercard insurance certificate for additional details, including terms and conditions for eligibility.
Top National Bank Cards
| Credit Card | ||
|---|---|---|
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25,000 À la carte Rewards Estimated value: $250 Ends Aug 4, 2025 |
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0 À la carte Rewards Estimated value: $0 |
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Details of eligible rewards points
Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points.
Credit Terms
Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.
Example of credit charges over a 30-day period
| Annual interest rate | Average balance | |
| $500 | $3,000 | |
| 22.49% | $9.24 | $55.45 |
| 20.99% | $8.63 | $51.76 |
| 12.90% | $5.30 | $31.81 |
| 8.9% | $3.66 | $21.95 |
*Variable interest rate in effect on September 1, 2021
Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
Travel and health insurance conditions
This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, their spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer’s warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.
Disclaimer: these responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.