Annual Fee
$150
Purchase Rate
20.99%
Cash Advance Rate
22.49%
Rewards Program
À la carte Rewards
Fees & Interest Rates
Annual Fee
$150 per year
$150
Additional Card Fee
$50 per additional card
$50
Purchase Interest Rate
20.99%
Cash Advance Interest Rate
22.49%
Rewards & Features
Rewards Program
À la carte Rewards
Key Highlights
Earn up to 5 points per $1 on groceries and restaurants; 2x on gas/EV, recurring bills, and À la carte Travel; 1x elsewhere. $150 annual travel credit. National Bank Lounge + DragonPass access.
Detailed Benefits
Earn 5 points per dollar on eligible groceries and restaurants (subject to monthly spend thresholds), 2 points per dollar on gas/EV charging, recurring bills, and À la carte Travel, and 1 point per dollar on other purchases. Includes $150 annual travel expense credit, unlimited National Bank Lounge access at YUL, and DragonPass lounge network access. Accepted at Costco.
Insurance Coverage
Travel medical (up to 60 days under 55), trip cancellation/interruption, baggage, flight delay, car rental collision, purchase protection, extended warranty, mobile device.
Eligibility Requirements
Minimum $80,000 personal or $150,000 household annual income. Canadian resident; age of majority.
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