Offer
- Take advantage of a simple, efficient and convenient payment solution.
- Access funds from anywhere in the world.
- Protect your purchases with a purchase insurance program.
- Free yourself from liability for unauthorized purchases, thanks to the MasterCard® Zero Liability program.
Fees & Conditions
Advantages
Insurance
Travel Insurance
There may be a daily maximum amount depending on the type of fees paid
Other Insurance
Alternative Cards
Legal
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.
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% (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 balance transfer must be at least $250.