Interest rate on purchases1
Interest rate on balance transfers and cash advances2, 3
Additional card fees
Low rate on purchases1
Low rate on balance transfers and cash advances2, 3
Minimum limit credit1
Compensation plan in the event of fraud5
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® Mastercard is a registered trademark of Mastercard International Inc. Authorized user: National Bank of Canada.
® Ultramar is a registered trademark of Valero. Used under licence.
® CAA, the CAA logo, CAA Rewards and CAA Dollars are registered trademarks owned by, and the use of which is authorized by, the Canadian Automobile Association.
1 Subject to credit approval from National Bank.
2 Grace period: At least 21 days on purchases if you pay your full balance by the due date indicated on your monthly statement (no grace period applies to balance transfers and cash advances). Your minimum payment will correspond to 2.5% of your account balance plus any amount already due or $10, whichever amount is higher. If your account balance is lower than $10, you must pay the entire balance. If you exceed your credit limit, the amount of the minimum payment will be the highest of the following amounts: (a) 2.5% of the account balance or (b) the amount of the overlimit.
Example of credit charges calculated over a period of 30 days
*Variable interest rate in effect on July 1ST, 2017
3 Subject to credit approval from National Bank. The total of all amounts transferred cannot exceed $5,000.
4 This coverage applies to purchases and rentals made using the card, except (if applicable) out-of-province medical/hospital insurance for which it is not necessary to charge the travel arrangements to the card. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the distribution guide and insurance certificate associated with your card.
5 Certain conditions apply. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.
6 Donations made annually by National Bank representing a percentage of sales charged to the card over a period of 12 months by all Allure card holders. The total amount donated by National Bank will not exceed $450,000 a year. To find out more about the calculation period and applicable conditions, visit yourallure.ca.
7 The discount applies when you purchase gift cards for Allure partners on yourallure.ca. It will be applied to the total gift card amount. Gift cards can be purchased in multiples of $25. No discounts will be granted in store upon presentation of an Allure card. Allure card partners are subject to change. Gap, Old Navy and Banana Republic gift cards can be used at any Gap, Old Navy or Banana Republic store in North America. Gap, Old Navy and Banana Republic gift cards can be redeemed for in-store merchandise only and cannot be replaced in the event of loss or theft. If you have any questions concerning Gap, Old Navy or Banana Republic gift cards, call (respectively) 1-800-GAP-STYLE, 1-800-OLD-NAVY or 1-888-BR-STYLE.
8 Please note that the three discounts combined may not exceed $250 a year.
9 All purchases charged to your Ultramar Mastercard are taken into account in determining your rebate percentage, excluding purchases made at Ultramar service stations or Ultramar Business & Home Energy.
10 The prime rate is the annual variable interest rate that the bank publishes from time to time which is used to determine the interest rate for on demand loans granted in Canadian dollars. To find out the prime rate, dial 1-888-622-2783 (toll-free) or visit nbc.ca.
11 The interest rate for the Syncro card consists of a variable prime rate set by National Bank plus a fixed adjustment rate of 4% for purchases and 8% for balance transfers and cash advances. Please note that the annual interest rate for the Syncro card cannot be less than 8.9% for purchases and 12.9% for balance transfers and cash advances.
12 The net purchase volume is the amount of purchases charged to the account minus returned items or refunds. Annual fees, balance transfers and cash advances are not included in the calculation.
13 Subject to presentation of required supporting documents.
14 Rebate limits of $100 for airport parking, $50 for seat selection and $100 for baggage fees (per year and per account).
15Guests must present their credit card and boarding pass to access to the National Bank Lounge. Guests cannot spend more than three (3) hours in the Lounge. For National Bank clients who do not have free Lounge access and for additional guests, admission is around $40 for adults and $25 for children, plus tax. Admission is free for children under three. The entry price may change at any time without notice and at the discretion of the Lounge operator.
16 Certain restrictions apply. Please consult the terms and conditions applicable to your credit card.
17 User fees apply to balance transfers and cash advances.
19 Coverage is underwritten by American Bankers Life Assurance Company of Florida and American Bankers Insurance Company of Florida, under group insurance policies NBC0516 and NBCL0516. Details of the insurance coverage, including definitions, benefits, limitations, and exclusions, are set out in the insurance certificate sent with your card. Please read the insurance certificate, keep it in a safe place with your other important documents, and bring it with you when you travel.
21 Coverage is underwritten by American Bankers Life Assurance Company of Florida and American Bankers Insurance Company of Florida, under group insurance policies NBC0316 and NBCL0316. Details of the insurance coverage, including definitions, benefits, limitations, and exclusions, are set out in the insurance certificate sent with your card. Please read the insurance certificate, keep it in a safe place with your other important documents, and bring it with you when you travel.
22 You earn CAA Dollars equal to 1% of eligible purchases made using your CAA Rewards Mastercard credit card. At the end of each month, your CAA Club will receive information on the accumulated CAA Dollars from National Bank. Your CAA Club is responsible for the issuance, administration and redemption of CAA Dollars in accordance with the terms and conditions of the program. CAA Dollars are not earned on cash advances, balance transfers, cash-like transactions, Mastercard cheques, payments, credits, interest charges, foreign exchange fees, credit insurance premiums and other fees and charges. CAA Dollars are not earned on any purchases prohibited by the laws of Canada or any other country. You will qualify to earn CAA Dollars as soon as your card is activated and purchases are made, unless your account is not in good standing, your account has been suspended or terminated, or other qualifications for eligibility are not met.
24 National Bank's prime rate means the annual variable interest rate posted by National Bank, from time to time, and used by the Bank to determine the interest rates on the demand loans it grants in Canadian dollars in Canada.
25 User fees apply when using Mastercard cheques.
26 This content is made available by National Bank and its affiliates for information purposes only. It does not create any legal or contractual obligations for National Bank and its affiliates. The conditions described herein are not exhaustive and are subject to change.
27 Some of our cards offer a compensation plan in the event of fraud by a cardholder. If necessary, the fraud compensation plan entitles you to a refund limited to the real loss resulting from fraudulent use of the card or account by the cardholder. This plan only applies in the event of fraudulent use by a cardholder who is not also an authorized signatory. The refund amount can be up to $100,000 per account per 12-month period. To use this plan, the company and all authorized signatories must fully collaborate with the Bank and file an official complaint with law enforcement authorities. The application of the fraud protection plan is governed by the conditions set out in section 14 of the credit card agreement. In particular, the plan does not apply if, through negligence, the cardholder contributed to the unauthorized or fraudulent use of the card or account by any person other than a cardholder.