-
No annual fee
-
Purchase Insurance
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Accepted at Costco
Limited time offer: Get 1,600 AIR MILES Bonus Miles! That’s enough for $160 towards purchases with AIR MILES Cash*. Plus, save up to 32¢/L at Shell for a limited time only!
- Earn over 10x faster than other AIR MILES collectors:
- 3x the Miles for every $25 spent at participating AIR MILES Reward Partners.
- 2x the Miles for every $25 spent at any eligible grocery store.
- 2x the Miles for every $25 spent at any eligible wholesale clubs, membership-based retailers and alcohol retailers.
- Plus, 1 Mile for every $25 that you spend with your credit card everywhere else.
- Plus, you now have the flexibility to move your Miles between Cash and Dream with our new Transfer Miles feature, so if you want to turn your Cash Miles into a dream vacation, go for it!
- Enjoy a 7¢/L discount on Shell V-Power® premium fuel and 2¢/L on all other Shell fuel every time you fuel up!
- Purchase Protection and Extended Warranty*
- Zero Liability Protection
- No annual fee*.
*Terms and Conditions apply.
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
- Primary card $0
- Additional card $0
- Individual $15,000
- Household $15,000
- 2.5 %
- Purchase Rates 21.99 %
-
Cash Advance Rates
23.99 %
21.99 % (QC)
-
Balance Transfer Rates
23.99 %21.99 % (QC)
- AIR MILES partners0.12miles
- All Spending0.04miles
- Groceries0.04miles
- Year 1 $294
- Year 2+ $110
- Grocery stores
- AIR MILES
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
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Up to 5 points per dollar at grocery stores and restaurants
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Up To $150 Annual Credit
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Premium insurance
By clicking on the Apply Now, you will be redirected directly to the National Bank credit card application form. Make sure you have the following information on hand: contact details, employment status, income and valid ID.
- Earn up to 5 points per dollar spent on eligible grocery and restaurant purchases.*
- Earn 2 points per dollar spent on eligible gas and electric recharging expenses, recurring bills and purchases made À la carteTM travel purchases.*
- Earn 1 point per dollar spent on other purchases.
- Up to a $150 refund per year on travel expenses, including seat selection, airport parking, baggage fees, access to airport lounges worldwide, and ticket upgrades.
- Your credit card gives you access to a multitude of rewards. Our clients can choose from several options to treat themselves with the points they’ve accumulated:
- Get your hands on new electronics, kitchen accessories, gift cards and more
- Use your points to make a payment on your credit card
- Contribute to your RRSP and TFSA
- Make a donation to a participating charity
- Plan your next vacation
- And more!
- Enjoy unlimited free access for you and a guest at lounge from the National Bank at Montreal-Trudeau airport, including drinks, snacks, Wi-Fi, and much more*.
- Enjoy up to 60 days of coverage with our travel, trip cancellation/interruption, baggage loss and car rental insurance.
- Out-of-province hospital medical insurance, departure flight delay insurance, baggage insurance in case of delay, baggage insurance in case of theft or loss, vehicle rental insurance.
*Grocery and restaurant: Points earned on grocery and restaurant purchases depend on the total gross monthly amount charged to the credit card account, regardless of category. Earn 5 points per dollar spent on eligible grocery and restaurant purchases. Earn 5 points per dollar on the first $2,500 in gross monthly purchases charged to the account. Beyond that amount, eligible grocery and restaurant expenses earn 2 points per dollar spent. The total gross monthly amount is calculated based on your monthly billing period. Grocery purchases include any purchase made at a store that primarily sells food, i.e., grocery store, delicatessen, supermarket, greengrocer or specialty food store. Subscriptions to ready-to-cook services and meal delivery services are eligible. Excluded from this definition are retail stores and big-box stores whose main activity is the sale of non-food products. Some merchants may sell the same or similar products or services as eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made at other merchants only qualify for basic rewards points. An in-restaurant purchase refers to a purchase made in a restaurant, including fast-food restaurants, bars, discotheques, nightclubs and taverns.
Gas and Electric Vehicle Charging: To earn 2 points per dollar in purchases, you will need to purchase gas or an electrical vehicle charge from a service station or from certain big-box stores. Some merchants may sell the same or similar products or services as eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made at other merchants are eligible for basic rewards points only.
Recurring bill: Recurring bill payments are defined as payments made monthly or regularly that are automatically deducted by the merchant from your National Bank World Elite Mastercard. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. As a result, some payments may not qualify for Accelerated Rewards points.
À la Carte Travel: To earn 2 points per dollar in purchases, you must make your eligible purchases via the À la carte TravelTM Agency section of our À la carte RewardsTM site.
Other purchases: For example, if you spend $400 monthly on groceries, $200 on gas, $100 on recurring bills and $150 on other purchases, the $850 you spend will generate 2,750 points, broken down as follows: 2,000 points on groceries (since the total gross monthly amount is $850, or less than $2,500), 400 points on gas, 200 points on recurring bills and 150 points on other purchases.
Reimbursement of travel expenses
Clients must submit required documents within the given deadline. Certain conditions may apply. Only the primary cardholder (“Cardholder”) of National Bank World Elite Mastercard whose account is in good standing can request a refund of travel expenses.
Account in good standing” means a credit card account that does not contravene the Credit Card Agreement in any way and on which no restrictions apply.
For example, the annual fees related to the credit card must have been paid in full. The maximum reimbursement of $150 can be claimed from January 1 to December 31 of each year.
Eligible expenses include:
-
-
- airport parking
- baggage fees
- seat selection fees
- access to airport lounges worldwide
- airline ticket upgrades
-
The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. Travel expenses must be charged to the National Bank World Elite Mastercard credit card account. The maximum reimbursement amount is $150 per account. The refund will be issued within 7 business days following the request approval date and after receiving all required information.
National Bank reserves the right to request additional supporting documents for validation purposes (e.g. invoices). You must keep all receipts and supporting documents for a period of 12 months from the date of your claim. An amount not claimed in a year cannot be carried over to the following year. You can apply online at rewards.nbc.ca or by calling 1-800-341-8083 (toll-free) and an agent will assist you with your travel claim.
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 is the greater of 5% of your account balance, plus any overdue amounts, or $10.
If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.
Statement of account: a statement of account is sent monthly.
Example of credit charges over a 30-day period
| Annual interest rate | Average balance | |
| $500 | $3,000 | |
| 22.49% (regular card) | $9.24 | $55.45 |
| 20.99% (regular card) | $8.63 | $51.76 |
| 12.95% (Syncro card) | $5.32 | $31.93 |
| 8.95% (Syncro card) | $3.68 | $22.07 |
*Variable interest rate in effect on September 1, 2021.
Balance transfer and cash advance are subject to credit approval by National Bank. Each amount transferred cannot be less than $250.
- Primary card $150
- Additional card $50
- Individual $80,000
- Household $150,000
- 2.5 %
- Purchase Rates 20.99 %
- Cash Advance Rates 22.49 %
- Balance Transfer Rates 22.49 %
- Groceries5Points
- Dining and Food delivery5Points
- Gas2Points
- Year 1 $923
- Year 2+ $923
- Grocery stores
- NBC Rewards
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
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Balance Transfer Offer
- Get a 2.99% introductory interest rate with 0% fee on balance transfers for the first 6 months (22.99% after that; annual fee $39). The offer ends on October 31, 2025.
- Earn 2% cash back on all eligible purchases at gas stations, grocery stores, drugstores and on recurring payments.
- Earn 1% cash back on all other eligible purchases.
*Conditions apply.
- Primary card $39
- Additional card $15
- Individual $12,000
- Household $12,000
- 2.5 %
- Purchase Rates 19.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 22.99 %
- Groceries2%
- Gas2%
- Drugstores2%
- Year 1 $321
- Year 2+ $321
- Grocery stores
- Cash Back
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
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No annual fee
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Reduced interest rate on balance transfers
- Welcome Offer : Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases)
Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (2% fee per cash advance, 22.99% after that; annual fee $0). Offer ends June 30, 2025. - 1% cash back on all eligible purchases at gas stations, grocery stores, drugstores and on recurring payments.
*Conditions apply.
- Primary card $0
- Additional card $0
- Individual $12,000
- Household $12,000
- 2.5 %
- Purchase Rates 19.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 22.99 %
- Groceries1%
- Gas1%
- Drugstores1%
- Year 1 $280
- Year 2+ $180
- Grocery stores
- Cash Back
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
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No Foreign Transaction Fee
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Access to VIP Lounges
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Visa Infinite Benefits
- Earn up to $1,300* in value in the first 12 months, including up to 40,000 bonus Scene+ points.
- Earn 3x Scene+ points* on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating
Co-ops and more - Earn 2x Scene+ points* for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways, taxis and more)
- Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
- Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
- No Foreign Transaction Fee
- 6 Complimentary Airport Lounge Access
- Comprehensive Travel Insurance coverage
- Visa Infinite* Concierge Services
- Visa Infinite* Hotel Collection
- Visa Infinite* Dining and Wine Country Program
*Conditions apply. Rates, fees and other information are effective as of January 3, 2025. Subject to change.
- Primary card $150
- Additional card $0
- Individual $60,000
- Household $100,000
- 0.00 %
- Purchase Rates 20.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 22.99 %
- Groceries2Scene+ Points
- Dining and Food delivery2Scene+ Points
- Local Transport2Scene+ Points
- Year 1 $797
- Year 2+ $397
- Grocery stores
- No conversion fees
- Daily transit
- Scene+
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
5X points on groceries and dining
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No Foreign Transaction Fee
-
American Express Online Promotional Offers
- Earn up to $780* in value in the first 12 months, including up to 40,000 bonus Scene+ points.*
- You will not pay 2.5% in transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
- Earn 6x Scene+ points on every $1 you spend at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
- Earn 5x Scene+ points for every $1 you spend on restaurant, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
- Earn 5x Scene+ points for every $1 you spend in Canada on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
- Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more.
- Earn 3x Scene+ points¹ for every $1 CAD you spend in Canada on eligible select streaming services.
- Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases. Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
- No Foreign Transaction Fee
- Comprehensive Travel Insurance coverage
*Conditions apply. Rates, fees and other information are effective as of January 3, 2025. Subject to change.
- Primary card $120
- Additional card $29
- Individual $12,000
- Household $12,000
- 0.00 %
- Purchase Rates 20.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 22.99 %
- Groceries5Scene+ Points
- Dining and Food delivery5Scene+ Points
- Entertainment5Scene+ Points
- Year 1 $861
- Year 2+ $461
- Grocery stores
- No conversion fees
- Scene+
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
No annual fee
-
American Express Online Promotional Offers
- Earn up to 7,500 bonus Scene+ points within your first 3 months (that’s up to $75 towards travel).
- Earn 3x Scene+ points on every $1 you spend at IGA, Sobeys, Safeway, Freshco, and more.* FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
- Earn 2x Scene+ points for every $1 you spend on restaurants, fast food, drinking establishments and other eligible grocery stores.* Includes popular food delivery and food subscriptions.
- Earn 2x Scene+ points for every $1 you spendon eligible entertainment purchases.* Includes movies, theatre and ticket agencies stores.
- Earn 2x Scene+ points for every $1 you spend on eligible gas and daily transit.* Includes rideshares, buses, subway, taxis and more.
- Earn 2x Scene+ points for every $1 you spend on eligible select streaming sevices
- Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
- Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
- Mobile Device Insurance coverage
- American Express Invites®
Rates, fees and other information are effective as of May 1, 2025. Subject to change.
Offer description and conditions: The bonus offer of 7,500 Scene+ points (the “Offer”) applies only to new American Express credit card accounts at the Bank (the “Accounts”) opened between May 1, 2025 and October 31, 2025, subject to the conditions below.
To be eligible for 2,500 bonus Scene+ points (the “2,500 Point Bonus”), you must have at least $250 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To be eligible for an additional 5,000 bonus Scene+ points (the “Additional 5,000 Point Bonus”), you must have at least $1,000 in eligible purchases posted to your new Account in your first 3 months of Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.
Point Bonus Fulfilment The applicable point Bonus(es) will be credited to the Scene+ account within approximately 8 weeks after qualifying for a Bonus, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 2,500 Point Bonus and Additional 5,000 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $250 or $1,000) in the appropriate time frame (i.e., first 3 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 2,500 Point Bonus or the Additional 5,000 Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended without notice at any time and cannot be combined with any other offers.
Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.
Rates and Fees: There is currently no annual fee for the primary card and no fee for each additional card (including those issued to co-borrowers and supplementary cardholders).
The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.
- Primary card $0
- Additional card $0
- Individual $12,000
- Household $12,000
- 2.5 %
- Purchase Rates 19.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 22.99 %
- Groceries2Scene+ Points
- Gas2Scene+ Points
- Dining and Food delivery2Scene+ Points
- Year 1 $418
- Year 2+ $343
- Grocery stores
- Scene+
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
5X points on groceries and dining
-
Use your points as a statement credit on any purchase
-
Transfer your points to airline and hotel partners
- In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets
- Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
- Earn 3x the points on eligible streaming subscriptions in Canada
- Earn 2X the points on eligible ride shares, transit & gas in Canada
- Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online
- Earn 1X point for every $1 in Card purchases everywhere else
- Enjoy access to hotel bookings, a room upgrade (when available), 12pm check-in and late check-out (when available), and up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
- Transfer points 1:1 to several frequent flyer and other loyalty programs
- Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
- Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex ExperiencesTM
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.
- Primary card $155.88
- Additional card $0
- Individual $0
- Household $0
- 2.5 %
- Purchase Rates 21.99 %
- Cash Advance Rates 21.99 %
- Balance Transfer Rates —
- Groceries5Membership Rewards Points
- Dining and Food delivery5Membership Rewards Points
- Convenience Stores5Membership Rewards Points
- Year 1 $1,054
- Year 2+ $799
- Grocery stores
- AeroplanAsia MilesBritish Airways Executive ClubEtihad GuestFlying BlueHilton HonorsMarriott BonvoyAmerican Express Membership Rewards
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
$100 Annual Credit
-
Access to VIP Lounges
-
Transfer your points to airline and hotel partners
- Earn up to 60,000 Membership Rewards® points:
- New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card
- This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation
- Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more
- Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else
- The Card is now available in your choice of Gold or Rose Gold metal options
- Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card
- You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online
- As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply
- Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used
- Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit
- Transfer points 1:1 to several frequent flyer and other loyalty programs
- 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster
- Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details
American Express is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, click on the Apply now link. Terms and conditions apply.
- Primary card $250
- Additional card $0
- Individual $0
- Household $0
- 2.5 %
- Purchase Rates 21.99 %
- Cash Advance Rates 21.99 %
- Balance Transfer Rates —
- Groceries2Membership Rewards Points
- Gas2Membership Rewards Points
- Drugstores2Membership Rewards Points
- Year 1 $1,439
- Year 2+ $589
- Grocery stores
- AeroplanAsia MilesBritish Airways Executive ClubEtihad GuestFlying BlueFlying BlueHilton HonorsMarriott BonvoyAmerican Express Membership Rewards
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit