National Bank^® Syncro^™ Mastercard^®

The National Bank^® Syncro^™ Mastercard^® is National Bank's low-interest credit card. Instead of earning rewards, it offers a variable interest rate tied to the prime rate, which can make a real difference if you sometimes carry a balance.

The National Bank^® Syncro^™ Mastercard^® doesn't currently have a welcome bonus.

The card has an annual fee of $35, and additional cards are free. There's no minimum income requirement, although National Bank looks for an excellent credit history.

The Syncro's rates are variable and move with National Bank's prime rate.^†

• Purchases are charged prime + 4%, with a minimum rate of 8.90%
• Balance transfers and cash advances are charged prime + 8%, with a minimum rate of 12.90%

By comparison, National Bank's other personal Mastercard products charge 20.99% on purchases and 22.49% on balance transfers and cash advances. A 21-day grace period applies to purchases when you pay your statement balance in full.

The Syncro doesn't earn points or cash back. If you pay your balance in full every month, a rewards card will serve you better, such as the National Bank^® ECHO^® Cashback Mastercard^®.

The National Bank^® Syncro^™ Mastercard^® comes with two forms of purchase coverage.^†

• Purchase protection against theft or damage for up to 90 days after purchase
• Extended warranty that doubles the manufacturer's warranty, up to one additional year

The card doesn't include any travel insurance.