- Earn up to 2 points on ALL card purchases* without restrictions*!
- Reassuring protection. Travel with peace of mind thanks to our comprehensive insurance coverage for up to 60 days:
- Out-of-province-of-residence medical/hospital insurance
- Departure flight delay insurance
- Baggage insurance in case of delay
- Baggage insurance in case of theft or loss
- Rental vehicle insurance
- Medical, general and legal assistance
- Purchase protection in case of theft or damage*
- Extended Warranty*
- Concierge service
- With the À la carte Rewards Plan® (the “À la carte Plan”), you earn points for every dollar on eligible purchases. These points may be exchanged for rewards such as merchandise, a travel package, a gift card, a travel discount, a donation, a financial product, repayment with rewards points or any other reward offered under the À la carte Plan.
Annual Fee: $115
Rates:
- Purchase APR: 20.99%
- Balance Transfer APR: 22.49%
- Cash Advances: 22.49%
Min. Credit Score Range Recommended:
Excellent
Legal (from issuer):
*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.
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 |
