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National Bank Platinum Mastercard

National Bank

3.6 / 5Rating

Mid-tier rewards card with no income requirement, mobile device insurance, and strong welcome bonus.

The National Bank Platinum Mastercard is a National Bank Mastercard card with a $70 annual fee. It earns 2 pts/$1 on Groceries & restaurants. Listed welcome offer value: Up to $290+ travel value + $70 fee waiver.

Last updated October 9, 2026Source: issuer page

Key facts

Annual fee
$70
Purchase interest rate
20.99%
Cash advance rate
22.49%
Earn rates
2 pts/$1 on Groceries & restaurants (On first $1,000 gross monthly account purchases, then 1.5 pts/$1); 1.5 pts/$1 on Gas, EV charging, recurring bills, À la carte Travel; 1 pt per $1.50 on All other purchases
Welcome offer
Up to $290+ travel value + $70 fee waiver
Foreign transaction fee
2.5%
Income requirement
No minimum listed

How this score is calculated

Formula
  • Net annual value(50%)3.9
  • Welcome bonus(15%)3.6
  • Foreign transaction fee(10%)2.5
  • Insurance & perks(15%)3.8
  • Purchase interest rate(10%)3.0

What are the fees and rates?

Verified 2026-10-09

Annual Fee

$70

Additional card: $35

Purchase Interest Rate

20.99%

Cash advance: 22.49%

Foreign Transaction Fee

2.5%

What rewards does this card earn?

The National Bank Platinum Mastercard earns 2 pts/$1 on Groceries & restaurants.

Groceries & restaurants

On first $1,000 gross monthly account purchases, then 1.5 pts/$1

2 pts/$1

Gas, EV charging, recurring bills, À la carte Travel

1.5 pts/$1

All other purchases

1 pt per $1.50

Is there a welcome offer?

Yes. The listed welcome offer value is Up to $290+ travel value + $70 fee waiver.

Up to 35,000 reward points + $70 annual fee waived first year: 10,000 pts with payment protection kept 3 months, 10,000 for $2,500 in first 3 months, 15,000 for $10,000 in first 12 months

Value: Up to $290+ travel value + $70 fee waiver

Offer valid until November 4, 2026. First-time National Bank Mastercard applicants only (no NB Mastercard now or in past 12 months).

Pros

  • No minimum income required
  • Mobile device insurance up to $1,000
  • First year annual fee waived
  • Strong 35,000 point welcome bonus

Cons

  • $70 annual fee after first year
  • Complex tiered earn structure

What perks are included?

  • No minimum income required
  • Mobile device insurance up to $1,000 (up to 2 years)
  • Travel insurance for trips up to 10 days
  • Purchase protection (180 days) + extended warranty
  • Points redeemable via À la carte Rewards (travel, gift cards, pay balance)

What insurance is included?

Travel Emergency Medical – Trips up to 10 days
Trip Cancellation/Interruption
Rental Vehicle Insurance
Purchase Protection – 180 days
Extended Warranty
Mobile Device Insurance – Up to $1,000, 2 years

Frequently asked questions

What is the annual fee on the National Bank Platinum Mastercard?

The National Bank Platinum Mastercard has a $70 annual fee.

What rewards does the National Bank Platinum Mastercard earn?

2 pts/$1 on Groceries & restaurants (On first $1,000 gross monthly account purchases, then 1.5 pts/$1); 1.5 pts/$1 on Gas, EV charging, recurring bills, À la carte Travel; 1 pt per $1.50 on All other purchases

What is the purchase interest rate on the National Bank Platinum Mastercard?

The purchase interest rate is 20.99%. The cash advance rate is 22.49%.

Is there a welcome offer on the National Bank Platinum Mastercard?

Up to 35,000 reward points + $70 annual fee waived first year: 10,000 pts with payment protection kept 3 months, 10,000 for $2,500 in first 3 months, 15,000 for $10,000 in first 12 months Listed value: Up to $290+ travel value + $70 fee waiver.

What income do you need for the National Bank Platinum Mastercard?

Income requirement: No minimum listed.

Last updated October 9, 2026Source: issuer page

Annual Fee

$70

Apply Now

On National Bank's secure website

Quick Facts

NetworkMastercard
Purchase APR20.99%
Cash Advance APR22.49%
Balance Transfer APR22.49%

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