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National Bank credit cards

Verified Oct 16, 2026CAD

1 National Bank card ranked on a family's spending, each with Year 1 against every year after. Annual fees run from $0 to $150.

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  1. #1National Bank World Elite Mastercard

    National Bank

    World Elite Mastercard

    $150 feeGroceries 5xDining 5x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$362
    Year 2+$362

    3 years $1,087 after fees· pays for itself in month 4

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$362
    Year 2+$362
    Rewards on spending$422 / $422Credits$90 / $90Fees (taken off the end)−$150 / −$150
    Pays for itself in month 4 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    5x
    Groc
    Groceries
    5x
    Dine
    Dining and takeout
    2x
    Gas
    Gas and EV charging
    1x
    Air
    Flights
    1x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    2x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #1 of 1. By 3-year value on the family preset's spending. Over 3 years it's worth $1,087 after fees.
    2. Year 1. $362 = rewards $422 + credits $90 − fee $150.
    3. Each year after. $362 = rewards $422 + credits $90 − fee $150.

    Points valued at 0.40¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption

All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.

Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.

Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.

3-year value on each preset

points at their cash value, after fees. "~" marks estimates.

CardStudentCoupleFamilyFrequent travellerBig spender
National Bank World Elite Mastercard$218$800$1,087$1,077$2,305

Frequently asked questions

Which National Bank card is best?

On a family's spending, National Bank World Elite Mastercard is worth the most over 3 years ($1,087).

What do National Bank cards cost?

Annual fees from $150 to $150 across the 1 cards listed here.

What rewards do National Bank cards earn?

National Bank À la carte Rewards. Points are shown in dollars at the program's cash or statement-credit value unless you choose another redemption.

Sources

Estimates for information only; not financial advice. See how cards are ranked.