Pros & Cons
Pros
—
Cons
- –High annual fee ($125/yr)
- –Foreign Transaction Fee (2.5%)
- –No airport lounge access despite fee
Our Review
The National Bank Business Platinum Mastercard is National Bank’s business rewards credit card, aimed at entrepreneurs who want to earn points on their business spending. It is available regardless of company size.
What the card gives you:
- 1.5 points per dollar on all eligible purchases, with no cap
- 1.5 additional points per dollar on eligible purchases made through the À la carte Travel agency, for 3 points per dollar in total
- Points that can be pooled with those from your personal National Bank credit card
- Travel insurance, purchase protection against theft and damage, and an extended warranty
- An annual fee that is tax deductible
The annual fee is $125, plus $50 per additional card. The annual interest rate is 20.99% on purchases and 22.99% on cash advances and balance transfers. A 2.5% conversion fee applies to foreign currency transactions. This card does not offer a welcome bonus.
Rewards
All Spending
1.5x
NBC Rewards pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
45,000
NBC Rewards/yr
Estimated Value
$405
After Fees
+$280
1st Year Value
$280
incl. welcome bonus
Annual rewards breakdown
Fees and interest rates
- Annual Fee$125
- Foreign currency conversion fee2.5%
- Purchase Rate20.99%
- Balance transfer rate22.99%
- Cash advance rate22.99%
Terms & Conditions
Legal
®Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.
®À LA CARTE REWARDS PLAN is a registered trademark of National Bank.
™À LA CARTE TRAVEL and À LA CARTE REWARDS are trademarks of National Bank of Canada. À la carte Travel is owned by Transat Distribution Canada Inc., holder of permit No. 753141 in Quebec.
1. Some restrictions apply. For more information, see the Rewards Plan section or the Points Earning Plan Rules.
2. This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card, and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, their spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer’s warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.
3. 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 will correspond to 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you are a business that chose the corporate responsibility, please refer to the cardholder agreement and account statement. Account statement: A statement is sent monthly.
Example of credit charges calculated over a period of 30 days
| Annual interest rate | Average balance | |
| $500 | $3,000 | |
| 22.99% | $9.45 | $56.69 |
| 20.99% | $8.63 | $51.76 |
| 14.5% | $5.96 | $35.75 |
| 11.7% | $4.81 | $28.85 |
*Variable interest rate in effect on April 24, 2023.
4. Subject to credit approval from National Bank. The total of all amounts transferred cannot exceed $5,000.
5. Certain conditions apply. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.
6. Certain restrictions apply. You must, therefore, first pay for your trip in full with an eligible credit card to redeem your points. Your travel credit will take effect approximately 72 hours after the exchange. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points.
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Un Accro du Rabais may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Banque Nationale. All trademarks are property of their respective owners.
