- 1% on restaurant transactions and recurring automatic transfers 0,5% on all other eligible purchases.
- Protection for your mobile phone: Your new mobile devices, purchased with your card, or phone subscriptions paid for with your card or by automatic transfers from your mycredit account are protected against theft or damages for a period of up to 2 years.
- National Bank ranks #1 among credit card issuers for Customer Experience according to the Forrester CX Index1.
Annual Fee: $0
Rates:
- Purchase APR: 20.99%
- Balance Transfer APR: 22.49%
- Cash Advances: 22.49%
Min. Credit Score Range Recommended:
Good
Legal (from issuer):
*Variable interest rate in effect on September 1, 2021 Balance transfers and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
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 |
