National Bank^® Platinum Mastercard^®

The National Bank^® Platinum Mastercard^® is National Bank's mid-tier rewards card. It earns À la carte Rewards points at elevated rates on groceries, restaurants, gas, and recurring bills, and it comes with travel insurance for shorter trips and mobile device insurance.

There's no minimum income requirement, which makes it the most accessible points-earning card in National Bank's lineup.

The National Bank^® Platinum Mastercard^® is currently offering a welcome bonus of up to 35,000 À la carte Rewards points, available through November 4, 2026.^†

• 10,000 points when you spend $2,500 in purchases within the first three months
• 15,000 points when you spend $10,000 in purchases within the first 12 months
• 10,000 points when you enrol in credit card payment insurance and keep it for at least the first three months

As part of the same offer, National Bank refunds the $70 annual fee for the primary cardholder in the first year. There's a $35 fee for each additional card, which isn't covered by the refund.^†

The offer is open to new primary cardholders who haven't held a personal National Bank Mastercard in the past 12 months.

The National Bank^® Platinum Mastercard^® earns À la carte Rewards points at the following rates.

• Earn 2 À la carte Rewards points per dollar spent on grocery and restaurant purchases^†
• Earn 1.5 À la carte Rewards points per dollar spent on gas, electric vehicle charging, recurring bill payments, and travel booked through À la carte Travel^†
• Earn 1 À la carte Rewards point per $1.50 spent on all other purchases^†

The 2x rate on groceries and restaurants applies until you've charged $1,000 in gross monthly purchases to the account, regardless of category. After that, grocery and restaurant purchases earn 1.5 points per dollar spent until the next billing period.^†

À la carte Rewards points are worth the most when you redeem them for travel. Through National Bank's À la carte Travel agency, every 10,000 points takes $100 off a booking, for a value of 1 cent per point.

You can also book travel anywhere you like and redeem points for a statement credit within 60 days of the charge. This costs 12,000 points per $100, or 0.83 cents per point. If you redeem 55,000 points or more at once, the rate improves to 11,000 points per $100, or 0.91 cents per point.

Outside of travel, you can put points towards a National Bank RRSP, TFSA, or FHSA through À la carte Extras at 12,000 points per $100. Gift cards and merchandise from the online boutique return less, and paying down your card balance takes 25,000 points for $100, so it makes sense to save your points for a trip.