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  • $35 Annual fee
  • $0 Welcome Bonus
  • 0% Rewards Rate
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National Bank Syncro Mastercard Overview

The National Bank Syncro Mastercard offers one of the lowest interest rates available. In addition, you’ll receive peace of mind with its comprehensive protection and insurance features.

Rather than offer reward points, the National Bank Syncro Mastercard focuses entirely on providing valuable features and saving you money. You’ll benefit from fraud protection through Mastercard Zero Liability and Mastercard ID Check and seamless payments through Mastercard Tap & Go. In addition, you’ll receive purchase protection and an extended warranty on eligible purchases made with your card.

As a bonus, your credit score doesn’t determine your chances of being approved for the National Bank Syncro Mastercard. Therefore, if you have a poor credit score, you can apply for this card.

The National Bank Syncro Mastercard has a low annual fee of $35. It also offers a 21-day interest-free grace period. Therefore, purchases made during the month won’t be charged with interest. This is as long as you pay your balance in full within 21 days of the statement due date. The interest rate on purchases is 4% + the prime rate.

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Overall, the National Bank Syncro Mastercard is a good fit for anyone who wants a low-interest, feature-rich credit card.

Essential Information

Network

Mastercard

Provider

National Bank

Card Type

Low interest

Key Perks

The National Bank Syncro Mastercard comes with the following benefits.

Tap and Go

Tap and Go is a convenient and fast way to make payments. All you have to do is tap your card on a reader to pay for your purchases. Tap & Go is one of the most valuable perks on the National Bank Syncro Mastercard.

Purchase Protection

The National Bank Syncro Mastercard provides purchase protection. This ensures purchases charged to your card are protected in case of theft or damage for up to 90 days.

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Fraud Protection

With the National Bank Syncro Mastercard, you never have to worry about being liable for unauthorized transactions made with your card. You’ll benefit from Mastercard’s Zero Liability policy.

In addition, you can call customer support if you notice suspicious or unusual activity on your account. You also have the option of temporarily locking your card through online banking.

Extended Warranty

As a National Bank Syncro Mastercard holder, you’ll benefit from an extended warranty. This doubles a manufacturer’s original warranty, granting any items you purchase an additional year of protection. To qualify for this perk, you must charge your purchase on your National Bank Syncro Mastercard.

Secure Online Purchases

This helpful feature further protects you against fraud. With the Mastercard ID Check perk, your identity is protected when making online purchases. This is achieved by a secure identity verification process. Therefore, you can have peace of mind while shopping online.

Costs and Fees

  • Annual fee: $35
  • Additional card fee: $0
  • The interest rate on purchases: 4% + prime rate or min. of 8.90% (current rate)
  • Cash advance interest rate: 8% + prime rate or min. of 12.90% (current rate)
  • Balance transfer interest rate: 8% + prime rate or min. of 12.90% (current rate)
  • Minimum credit limit: $500
  • Interest-free grace period: 21 days

FAQ

Should I Get the National Bank Syncro Mastercard?

The National Bank Syncro Mastercard is suited for anyone who doesn’t want a credit card with high fees. It’s also best if you’re looking for a low-interest credit card to minimize debt.

Am I Eligible for the National Bank Syncro Mastercard?

To be approved for the National Bank Syncro Mastercard, you must:

  • Be a Canadian resident
  • Be the age of majority in your province or territory (18 or 19 years old)
  • Meet the credit score requirement

What Is the Credit Score Requirement for this Card?

A fair to good credit score of 660 – 724 is required to qualify for the National Bank Syncro Mastercard.

What Information Do I Need to Provide in My Application?

You’ll need to provide your personal information, contact details, and financial information.

What Is a Prime Rate?

The prime rate is the annual variable interest rate determined by National Bank. It’s used to determine how much interest is charged on demand loans granted in Canada. And it varies depending on several factors.

How Can I Avoid High Card Fees With the National Bank Syncro Mastercard?

Pay your balance in full within 21 days of your statement due date. This way, you won’t have to pay any interest. Additionally, do not exceed your credit limit.

When Will I Receive My Credit Card?

If you’re approved for a National Bank Syncro Credit card, it will be mailed to you within 7-10 business days.

How Can I Find Out the Status of My Card Application?

You can check the status of your online application by signing into your National Bank account. Select ‘applications’, and you should see the status of your application.

What Should I Do If My Card Is Lost Or Stolen?

The safest thing to do is call the customer support number to temporarily deactivate your card. You can also temporarily freeze your card through your online banking portal.

National Bank Syncro Mastercard Details

Provider
National Bank
Network Provider
Mastercard
Card Type
Balance Transfer, Low Interest
Annual Fee
$$35
Purchase Interest Rate
8.9%
Cash Advance Rate
12.9%
Balance Transfer Rate
12.9%
Credit Needed
Good (660 - 724)
                                                                                                                    

National Bank Syncro Mastercard Offices

Phone Number
1-888-835-6281
Email
info@nbc.ca
Hours
Monday to Friday, 7 a.m. to 10 p.m. (ET), Saturday and Sunday, 8 a.m. to 8 p.m. (ET)
Address
600 Gauchetiere St W Montreal QC H3B 4L2 Canada
Social
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National Bank Syncro Mastercard Card Details
  • Min. Credit :
    Good (660 - 724)
                                                                    
  • Card Type : Balance Transfer, Low Interest
  • Providers : National Bank
  • Network Provider : Mastercard
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National Bank Syncro Mastercard Reviews
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Characteristics
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  • Rewards
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