National Bank® World Elite Mastercard®

Flytrippers opinion: A great offer on the card with the best travel insurance coverage and free access to 1 airport lounge (YUL).
Flytrippers Valuation
of Welcome bonus (net value)
ends June 30th

via NBC secure application link
≈ $ 750

Rewards: ≈ $750*

Card fee: $0 $150

Earn NBC Rewards
fixed-value rewards

Uses: for travel booked with NBC
How to unlock bonus
spend $5000 in 3 months

(*minimum value: $350
*maximum value: $750)
Card eligibility
min. income: $80k (or $150k household)

Welcome bonus eligibility
must not have had a NBC Mastercard in the past 2 years
Terms and conditions apply. Flytrippers editorial opinion only. NBC is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.
Flytrippers opinion: A great offer on the card with the best travel insurance coverage and free access to 1 airport lounge (YUL).
Flytrippers Valuation
of Welcome bonus (net value)
≈ $ 750

Rewards: ≈ $750*

Card fee: $0 $150

How to unlock bonus
spend $5000 in 3 months

(*minimum value: $350
*maximum value: $750)
fixed-value rewards
Uses: for travel booked with NBC
ends June 30th

via NBC secure application link
Card eligibility
min. income: $80k (or $150k household)

Welcome bonus eligibility
must not have had a NBC Mastercard in the past 2 years
Terms and conditions apply. Flytrippers editorial opinion only. NBC is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.

Summary of Flytrippers' review

WHY GET THIS CARD

  • Great welcome bonus of ≈ $750
  • Very simple rewards
  • Value offered every year
  • Unlimited free access to just 1 airport lounge (YUL)
  • Excellent insurance coverage (including for reward flights, for long trips, and for 65+)
  • Excellent multiplier earn rate and Boingo Wi-Fi

WHO SHOULD GET THIS CARD

  • Those who usually pay for travel extras
  • Those who are 65 and over
  • Those with income levels over $80k (personal) or $150k (household)
  • Those who can reach a minimum spend of $5000 in 3 months

Card details

Rewards from welcome bonus

You will have 45,000 points after unlocking the welcome bonus AND 2 credits of $150 in your 1st year.

That gives you:

  • $450 in free travel at the Flytrippers Valuation + $300 in credits for travel extras

Concrete examples of redemptions

Here are some of the actual redemptions you can get with the rewards portion:

$450 as a simple travel credit that can be applied to any travel expense booked through the À la carte Travel service

≈ $409 as a simple travel credit that can be applied to any travel expense booked with any provider

Here are some of the actual redemptions you can get with the travel credits:

$300 as credits that can be applied to airport parking, baggage fees, seat selection, seat upgrades, or airport lounge access ($150 in 2023, $150 in 2024)

‣Learn more about the best uses of À la carte points and National Bank credits for travel extras (coming soon)

Structure of the current increased offer

30,000 points Welcome bonus after spending $5,000 in 3 months
+
5,000 points Earn on the required spending (at the base earn rate of 1 pt/$)
+
10,000 points Bonus after adding payment insurance for 3 months

Additional renewal bonus of 30,000 pts ($300) if you spend another $7,000 in the first 12 months also offered but not included in our Flytrippers Valuation

‣Apply for the National Bank® World Elite Mastercard®

Flytrippers Valuation of the increased welcome bonus

$300 Welcome bonus (30,000 pts at 1¢/pt)
$50 Earn on the required spending (5,000 pts at 1¢/pt)
$100 Insurance bonus (10,000 pts at 1¢/pt)
≈ $150 Travel extras credit (2023)
≈ $150 Travel extras credit (2024)
–$0 Card fee (first year free)

≈ $750 in net value with the welcome bonus alone

(that’s 15% back on the spending requirement of $5,000 over 3 months)

Learn more our Flytrippers Valuation of welcome bonuses

Earn rates

5 points per $ (5%):

2 points per $ (2%):

  • travel purchases booked with À la carte Travel
  • gas and electric vehicle charging
  • recurring bill payments

1 point per $ (1%):

  • everything else

(The multiplier earn rates only apply to $30,000 in purchases by membership year)

Earning with additional cards

Fee for additional cards: $50/year
Quantity allowed: N/A
Minimum age: N/A

‣Learn more about additional cards (coming soon)

$150 credits for travel extras
You get annual credits of $150 for baggage fees, airport parking, seat selection, seat upgrades, or airport lounge access. The $150 credits are offered every calendar year, so you can use it in 2023, then again in early 2024.

‣Learn more about the National Bank travel credits (coming soon)

Access to YUL airport lounge
The card gives you unlimited access to just 1 airport lounge for you and 1 guest (Montreal airport, non-USA international flights only).

Learn more about airport lounge access

Insurance included

Medical travel insurance for 60 days (54 years and under)
Medical travel insurance for 31 days (55 years to 64 years)
Medical travel insurance for 15 days (65 years to 75 years)
Trip cancellation insurance
Trip interruption insurance
Flight delay insurance
Car rental insurance
Delayed and lost baggage insurance
Travel accident insurance
Mobile device insurance
Purchase protection
Extended warranty

‣Learn more about the National Bank® World Elite Mastercard®‘s insurance coverage (coming soon)

Insurance not included

None

‣Learn more about the different types of insurance coverage (coming soon)

Redemptions
NBC À la carte points can be used as a simple travel credit (which can be applied to any travel booked through the À la carte Travel service).

Learn more about the NBC À la carte rewards program (coming soon)

Pricing
NBC À la carte points are fixed-value rewards (fixed value of 1¢).

Learn more about NBC À la carte points (coming soon)

Expiry
NBC À la carte points never expire as long as you have the card. And even if you no longer have the card, you can easily extend the expiration indefinitely.

Learn more about NBC À la carte points expiry (coming soon)

Pooling
It’s not possible to pool NBC À la carte points with travel companions.

Learn more about pooling NBC À la carte points (coming soon)

Transfers
NBC À la carte points cannot be transferred to more valuable rewards programs.

Learn more about point transfers (coming soon)

Other redemption options
NBC À la carte points can be used for rewards other than travel but this should be avoided.

Learn more about why you should always use your rewards for travel (coming soon)

Rewards program logistics
You can use your points directly on the NBC website.

Learn more about how to get started with NBC À la carte rewards (coming soon)

Rewards program summary
Rewards: NBC À la carte points
Type: Fixed-value rewards
Subtype: “Standard” rewards
Variety: Bank rewards
Flytrippers Valuation: 1¢ per point
Minimum value: 1¢ per point
Maximum value: 1¢ per point
Transferable: No 

Learn more about rewards programs basics (coming soon)

Card eligibility
Minimum income: $80,000 (personal) OR $150,000 (household) 
Age: Majority in your province
Estimated credit score: Excellent
Credit bureau: Equifax Canada

Learn more about credit card eligibility requirements (coming soon)

Welcome bonus eligibility
You must not have held a Mastercard issued by National Bank in the past 24 months.

Learn more about credit card welcome bonus eligibility rules (coming soon)

Offer end date
January 13, 2023

Subscribe to Flytrippers’ free travel rewards newsletter to get all card updates

Card details
Issuer: National Bank of Canada (NBC)
Network: Mastercard
Card Type: Credit card
Product Type: Personal card

‣Learn more about credit card types (coming soon)

Fees and rates
Card fee: $150/year (first year free)
Fee for additional card: $50
FX fee: 2.5%
Purchases annual interest rate: 20.99%
Funds advances annual interest rate: 22.49%
Balance transfer fee: 22.49%

Learn more about why Flytrippers recommends ignoring fees and rates (coming soon)

Promotional advantages and terms and conditions of the promotion (exclusive to certain NBC partner sites)

To benefit from this promotion, sign up for the National Bank World Elite Mastercard credit card no later than January 13, 2023. You must sign up via the hyperlink contained in one of the promotional emails sent by one of our participating partners, via one of the promotional banners on their websites, or via one of their webpages.

Save on annual fees the first year:

The primary cardholder will be refunded their annual card fee the first year. The refund will appear as a fee and a credit on their statement no later than 4 months after the account was opened.

Reward points:

You will earn reward points or a combination of points as follows:

Welcome points

World Elite: You will earn 30,000 reward points if you charge a net purchase amount of $5,000 to the credit card within 3 months of opening your account.

Points are earned on net purchases for a period of 3 months from when the account was opened. Your reward points will be added to your credit card account in a single disbursement and appear on your statement no later than 5 months after the account was opened.

Points when you sign up for credit card payment insurance:

World Elite: You will earn 10,000 reward points if you sign up for credit card payment insurance for a minimum of 3 months. To obtain your reward points, complete the sections related to the Credit Card Payment Protection (CCPP) on the credit card application when you open your account.

Your reward points will be added to your credit card account in a single disbursement and appear on your statement no later than 5 months after the account was opened.

Points earned on the 1st anniversary of account opening date:

You will earn 30,000 reward points if you charge a net purchase amount of $12,000 to the credit card within 12 months of opening your account.

Points are earned on net purchases for a period of 12 months from when the account was opened. Your reward points will be added to your credit card account in a single disbursement and appear by the 2nd statement following your account anniversary date.

Reward points and refund conditions

Net purchases: The net purchase volume is the amount of purchases charged to the account minus returned items and refunds. Annual fees, balance transfers, cash advances (including transactions that can be directly converted to cash, such as money orders, bank transfers, travellers cheques and gaming transactions), interest charges and any other fees or adjustments not considered purchases are not included in the calculation of net purchases.

Account in good standing: The account must be open and in good standing at the time when annual fees are refunded or reward points are applied.

Reward limit: There is a limit of one cashback amount per category (welcome points, points for signing up for credit card payment insurance, and points earned on the 1st anniversary of the account opening date) per credit card account and per client during the promotion, regardless of the number of cards linked to the account.

Other conditions

– The card is issued subject to credit approval by National Bank of Canada. Certain conditions apply.

– You must not have a National Bank Mastercard credit card or have had one in the past 24 months.

– The promotion may not be combined with another promotion applicable to National Bank credit cards, nor is it retroactive.

– You must not be employed by us or by an entity in our group.

– The promotion may be modified or withdrawn without notice.

– Minimum purchase and insurance product required

Start earning rewards today

And make sure to download our free checklist for when you get a new card—it includes very important mistakes to avoid
(it will open in a separate tab, or you can click here)

via NBC secure application

*Beta version of card page. Sign up to get updated guide soon.*

This content is not sponsored. However, this page may contain some affiliate links that allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone. This helps us fulfill our mission of helping Canadians travel more for less.

The views and opinions expressed on this page are purely our own. They have not been provided, approved, endorsed, or ratified by any third party mentioned on the site.

Financial institutions are not responsible for updating or ensuring the accuracy of the information on Flytrippers’ website. All the information was independently collected by Flytrippers and not provided by financial institutions.

All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions, which can be found on their official website. No efforts are spared to ensure this page is up to date but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.

Flytrippers’ website does not contain all available credit card offers or all available credit card products on the market. In addition, Flytrippers never shares an offer if it is not considered advantageous for some travelers, at its sole discretion.

No author on Flytrippers’ website is a financial advisor, a financial planner, a legal professional, or a tax professional. No author on Flytrippers’ website can in any way be considered as such.

All articles, pages, and content on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered advice for specific situations. It is your responsibility to perform your own personal research to ensure that travel rewards are appropriate for your own situation.

You can learn more about our terms of use here.