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The National Bank World card earns À la Carte Rewards points and offers cardholders a free Boingo WiFi membership.
Rewards Rates
The National Bank World credit card 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 in 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.
This card earns À la carte rewards points based on the net spending on the card during the cardholder year. This card earns the most points per dollar spent on the $10,000 in spending between $20,000 and $30,000 total in net spend.
Redeeming À la Carte Rewards Points
À la Carte Rewards points are a flexible currency that can be redeemed for travel purchases (either made with National Bank or booked on your own), statement credits, contributing to an investment account, gift cards, and merchandise.
The best value for your À la carte rewards points is to redeem them against travel purchases made through the À la carte rewards travel agency. A close second is to redeem them against travel you have booked on your own.
Click to learn everything about the À la Carte Rewards program.
Benefits
National Bank World Mastercard cardholders are eligible to sign up for free Boingo WiFi at over one million hotspots worldwide. Through Boingo, you are also able to access free in-flight WiFi on WestJet flights.
Insurance Coverage
The National Bank World card offers nine types of insurance coverage:
- Trip cancellation insurance
- Trip interruption insurance
- Out-of-province medical and hospital coverage
- Flight delay coverage
- Delayed baggage insurance
- Theft or loss of baggage insurance
- Rental car insurance
- Purchase protection
- Extended warranty coverage
Refer to the National Bank World card insurance certificate for additional details, including terms and conditions for eligibility.
Other A la Carte Rewards Cards You Might Consider
| Credit Card | Welcome Bonus | Net Value | ||
|---|---|---|---|---|
|
National Bank Platinum | 0 À la carte Rewards | $-70 | Apply |
|
National Bank World Elite | 0 À la carte Rewards | $-150 | Apply |
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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.