National bank credit cards are some of the best in the market. Most boast no annual fees while earning cardholders great rewards. There are eight National Bank credit cards available. They cover the typical categories, such as student, cashback, travel rewards, no annual fee, and low interest.
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There’s no single-best National Bank credit card because everyone has their own preferences. One credit card holder might enjoy the National Bank World Elite Mastercard because of its travel insurance. Another might enjoy it because it provides VIP lounge access. The better question would be, ‘What’s the best National Bank credit card for me?’ Consider what you're looking for in a credit card. The ECHO, Mycredit, World, and World Elite Mastercards are ideal if it's earning rewards you're after. For interest savings, you can look into the Syncro Mastercard. Students may find the MC1 and Syncro Mastercard an ideal first credit card because of its $0 annual fee.
Each National Bank credit card has specific requirements for approval. However, some criteria overlap between the different credit cards. This includes being the age of majority in your province, which is 18 or 19 years old. And being a Canadian resident. The only National Bank credit cards with an income requirement are the World and World Elite Mastercards. These are the income requirements for each credit card:
Unfortunately, you may not be approved for a National Bank credit card if you have less-than-perfect credit. All the National Bank credit cards require good to excellent credit. This means a low-interest credit card will be out of your scope if you need it to manage your debt. The specific credit score requirement for those living in Quebec is 640. If you live outside of Quebec, the credit score required for a National Bank credit card is 660. The best thing you can do if you have bad credit is to improve your credit score. That way, you’ll qualify for a National Bank credit card.
Yes, you can apply for a National Bank Credit Card online. Simply fill out an online application, which may take you less than five minutes. To begin an application, visit the National Bank website. Click on credit cards in the navigation bar. Browse the credit cards and pick one that’s suitable for you. Tap ‘apply now’ below the credit card’s description. You’ll be redirected to another page where you can begin your application. To apply for a National Bank credit card, you’ll need to provide information about yourself and your income. You’ll also need to verify your identity on the system.
National Bank credit card rewards points can be redeemed by signing into your account at rewards.nbc.ca. Alternatively, you can call the À la carte Rewards Centre’s toll-free line, which National Bank claims is easier and faster. Remember that you must meet some conditions before redeeming your rewards points. You must have a Canadian address. In addition, your credit card account must adhere to your credit card agreement conditions. This means you paid your annual fees and settled any minimum payments by their due dates. Rewards points can be redeemed for gift cards, beauty and home products, and donations. Also, you can redeem your points for travel through the À la carte Travel™ Agency.